Unlike what the name of the card may suggest, the DBS Woman’s World Card is available to all genders and is the ticket to unlocking 4 mpd on online spending.
Key Features:
*Insert an infographic of DBS Woman’s World Card*
+Introduction
Don’t let the name fool you. The Woman’s World Card does not discriminate by gender and is open for all to apply. With the increasingly digital world where transactions are increasingly conducted online, the Woman’s World Card has seen its popularity sore.
Under the DBS Woman’s Credit Card branding, there are 2 different cards and the difference can be found below:
| Name of Card | *Insert Picture*DBS Woman’s Card | *Insert Picture*DBS Woman’s World Card |
| DBS points on online purchases | 5 DBS points per $5 spent (2 mpd) | 10 DBS points per $5 spent (4 mpd) |
| Cap on bonus points | S$1,000 | S$1,500 |
With our focus on miles accumulation, the DBS Woman’s World Card with its 4 mpd earning rate will be the primary card reviewed in this article given that most of its’ competitors are also offering 4 mpd. However, information for the DBS Woman’s Card will still be shown in the respective tables for those who are considering that option (which honestly you shouldn’t as explained in the “Qualifaction by Salary” section).
+Eligibility Requirements
-Qualification by Salary
| DBS Woman’s Card | DBS Woman’s World Card | |
| Minimum Income | Singpaporeans & PRs: S$30,000Foreigners: S$40,000 | S$80,000 |
While the DBS Woman’s World Card has a rather high minimum income requirement, any minimum income requirement above S$30,000 for Singaporeans & PRs and S$40,000 for Foreigners is arbitrary. As a data point, I got my DBS Woman’s World Card with an annual income below S$80,000. In fact, I got approved for the DBS Woman’s World Card just a month after starting my very first job after graduating from university.
Hence, even as a first DBS card, it is much better to get the DBS Woman’s World Card. If you get rejected, you can also consider 4 mpd alternatives from other banks and build up credit history before reattempting the application.
In my humble opinion, the 2 mpd offered by the DBS Woman’s Card is insufficient to justify adding it into the card collection when there are other 4 mpd alternatives.
-Qualification by Fixed Deposit
If you are unable to meet the salary requirements, DBS provides individuals between the age of 21 and 75 with the option to get a secured card by maintaining a SGD Fixed Deposit Account with a minimum of S$10,000 placement. This applies for both the DBS Woman’s Card and DBS Woman’s World Card so why not just get the latter since it is superior in both the bonus cap and earn rate. If you have further questions, you may wish to head to any DBS branch to check with the DBS staff.
+Annual Fees
| Annual Fee | DBS Woman’s Card | DBS Woman’s World Card |
| Principal Card | 1st Year: FreeSubsequent Year: S$163.50 | 1st Year: FreeSubsequent Year: S$196.20 |
| Minimum Spending for automatic fee waiver | S$15,000 | S$25,000 |
| Supplementary Card | S$81.75 | S$98.10 |
Like most entry level credit cards, the DBS Woman’s World Card offers a first year fee waiver. To have automatic fee waiver after the first year, you would have to charge at least S$25,000 in the preceding year. If you do the math, a S$1,500 cap on the bonus points would mean that you would only be spending S$18,000 in a year on the card if you are hitting the cap exactly on the dot every month.
But don’t worry, you can still apply for a fee waiver if you do not hit the minimum spending requirement. From my experience, fee waivers are pretty easy to get.
-Applying for Fee waiver
If you do not qualify for the automatic fee waiver, you may apply for a fee waiver once the annual fee has been charged to your card. Application for fee waiver can be done via the DBS digitbot (available on both DBS mobile app and DBS website) or phone banking.
DBS Website
- To access the digibot on DBS website, click on the message icon with the “May I help you?” speech bubble at the bottom right of the webpage
- Type Fee Waiver into chat
- Click on “Fee Waiver” followed by “Authenticate me”
- Complete the authentication process using either iBanking Login or Card & Pin
- Select Credit Cards Fee Waiver
- Select the Type of Fee Waiver you wish to apply for
- Select the Credit Card to be waived
- Review and confirm the details and click on confirm
DBS Mobile App
- Log in into DBS Digibank app
- Tap on the question mark icon at the top right of the application
- Scroll all the way down and tap on the “Ask Digibot” option
- Type Fee Waiver into chat
- Tap on “Fee Waiver” > “Proceed” > “Credit Card Fee Waiver” > “Annual Fee” > Select Credit Card
- Review details and tap on confirm
Phone Banking
- Dial 1800 111 1111 (from Singapore) or (+65) 6327 2265 (from Overseas)
- Press 1 for English > Enter your NRIC > Authenticate through SMS OTP > Press 1 for Fee waiver request > Press 1 for Credit Card Fee Waiver
+Foreign Currency Transaction Fees
The DBS Woman’s World Card charges a maximum foreign currency transaction fee of 3.25% which comprises the conversion factor levied by Mastercard and the administrative fee charged by DBS.
*Insert Table of Foreign Currency Transaction Fees*
+Rewards Program
| All Spending in Singapore dollars (except those in exclusion list) | All Spending in Foreign Currency (except those in exclusion list) | Online purchases |
| 1x DBS point per S$5 spent (0.4 mpd) | 3x DBS point per S$5 spent (1.2 mpd) | 10x DBS point per S$5 spent (4 mpd) |
-> Basic Earn Rate
The DBS Woman’s World Card rewards cardholders with 1x DBS points per S$5 spent. Given the exchange rate of 1 DBS point = 2 airline miles, the basic earn rate of DBS Woman’s World Card is 0.4 mpd.
->Foreign Currency Spending
The DBS Woman’s World Card rewards cardholders with 3x DBS points per S$5 spent (1.2 mpd).
->Online Purchases
The DBS Woman’s World Card rewards cardholders with 10x DBS points per S$5 spent on online purchases. For avoidance of doubt, the bonus points are awarded on both spending in Singapore dollars and foreign currency spending. This is capped at S$1,500 per calendar month. Unlike most other cards which uses posting date to calculate the bonus cap, the DBS Woman’s World Card uses the transaction date to calculate the bonus cap.
From personal experience, transactions done on the 1st of the month may have a transaction date of the previous month. Hence, to err on the side of caution, it is advisable to hold off spending on the 1st few days of every month on the DBS Woman’s World Card.
The DBS Woman’s World Card adopts a blacklist approach when awarding bonus points which means that as long as the mode of payment is online and the transaction is not explicitly excluded in the T&Cs, the transaction is deemed to be an online transaction. This is pretty useful when it comes to MCCs which are frequently not included in the bonus categories of other 4 mpd cards such as buying furniture online on IKEA’s website and paying medical bills on HealthHub.
Unlike the Citi Rewards Mastercard, the DBS Woman’s World Card rewards bonus points on in-app spending via Apple Pay or Google Pay. This makes the DBS Woman’s World Card a good option for spending on Kris+ and other in-app purchases.
+Rewards Program Information
The DBS Woman’s World Card credits the DBS points in 2 tranches:
| SGD Transactions | Foreign Currency Transactions | |
| Base DBS points(When transaction posts) | 1x DBS point per S$5 spent | 3x DBS points per S$5 spent |
| Bonus DBS points (By end of following calendar month) | 9x DBS point per S$5 spent | 7x DBS points per S$5 spent |
At first glance, it looks like DBS points are awarded on a S$5 block similar to how UOB does it. However, DBS points are calculated more generously as rounding happens on the calculated DBS points rather than on the transaction amount. You can find the calculation in the below table.
| Reward Calculation | SGD Transactions | Foreign Currency Transactions |
| Base DBS points | Divide the transaction amount by 5. Round down to the nearest number | Divide the transaction amount by 5 then multiply by 3. Round down to the nearest number |
| Bonus DBS points | Divide the transaction amount by 5 then multiply by 9. Round down to the nearest number | Divide the transaction amount by 5 then multiply by 7. Round down to the nearest number |
From the above table, we can see that while SGD transactions below S$5 are not eligible for base DBS points, as long as the transaction is over S$0.56, it is eligible for bonus DBS points.
->Validity of DBS points
The DBS points earned by the DBS Woman’s World Card has a validity of between 1 year and 1 year 3 months. The expiry of DBS points accrued by DBS Woman’s World Card only happens on the last day of each periodic quarter. Hence, DBS points earned at the start of the quarter have an extra 3 months validity as compared to those earned on the last day of the quarter.
For clarity, you may refer to the below table on the expiry dates of the DBS points earned in the different periods.
DBS points earned period
Jan-Mar25: 31 Mar 26
Apr-Jun25: 30 Jun 26
Jul-Sep25: 30 Sep 26
Oct-Dec25: 31 Dec 26
Given the relatively short expiry period of DBS points, it is advisable to regularly check the expiry date of your points and transfer them out before they expire.
Additionally, before you cancel your card, do remember to transfer your points out of the card as you will be forfeiting all remaining points on the card upon the cancellation of the card.
Transfer Partners
DBS points are pooled for the purpose of redemption and the points with the earliest expiry dates will be consumed first. You are able to convert all your DBS points across all cards at one shot and be able to pay just a single conversion fee.
DBS points can be transferred to Singapore Airlines, Cathay, Qantas & AirAsia frequent flyer programs with the ratio in the table below.
| Transfer Program | Rate (UNI$ : Partner Programme) |
| Krisflyer (Singapore Airlines) | 5,000 : 10,000 |
| Asia Miles (Cathay) | 5,000 : 10,000 |
| Qantas Frequent Flyer | 5,000 : 10,000 |
| AirAsia | 500 : 1,500 |
Disregarding the AirAsia option (because converting to AirAsia is a waste), you are able to transfer DBS points in blocks of 5,000 at a rate of 1:2. Each transfer will cost the cardholder S$27.25 irregardless of the amount of DBS points being transferred.
DBS also offers an “auto conversion programme” for Krisflyer transfers if you own a DBS Insigna, DBS Black Treasures Elite or DBS Altitude card. This cost cardholders S$43.60 per membership year and DBS points will be automatically converted to Krisflyer miles every quarter in blocks of 500. Unless you have a reason to convert DBS points more than twice in a year, the auto conversion programme is not worth it. Additionally, the 3 year expiry clock for Krisflyer miles starts ticking once the DBS points are transferred.
DBS states that processing time for miles transfer are as follows:
- First-time Transfer: up to 10 working days
- Subsequent Transfers:
Krisflyer Miles, Qantas Points and Air Asia Points: Up to 5 working days
Asia Miles: Up to 7 working days
-Krispay
If you ever find yourself needing Krisflyer miles immediately, Krispay allows you to transfer DBS points to Krisflyer miles in a 2 step process at a rate of 100 DBS points to 170 Krisflyer miles.
- Transfer UNI$ to Krispay miles
- Transfer Krispay miles to Krisflyer miles (must be done within 7 days or else they would be stuck as Krispay miles)
While the pros of this method is the instantaneous transfer and lack of fees, the lowered conversion ratio of 1 DBS points to 1.7 Krisflyer miles compared to the 2 Krisflyer miles you get for the normal rewards program signifies a 15% haircut which is often not worth it. However, the small block of 100 DBS points would be useful for orphan balances if you are looking to cancel your card.
+Summary
With the versatility of the DBS Woman’s World Card when it comes to online spending, the DBS Woman’s World Card should be a top pick to consider if you are a large online spender. Hitting the S$1,500 bonus cap every month entails a 72,000 miles per year reward and this is one of the lowest effort cards you can have. All you need to remember is to charge your online spending onto the DBS Woman’s World Card and barring the transaction falling foul of the exclusion list, you will be entitled to 4 mpd.