Credit Cards

Hack your way to 4 miles on everything

Edit (25/3/16): Imagine now dead. Oh well

Why do I need a prepaid card?

Prepaid cards were originally created for people who didn’t earn sufficient income to qualify for a credit card, but still wanted to make purchases online or overseas. You might think that this is of completely no interest to you- but read on, you’ll be surprised.

Remember our good friend the DBS Woman’s World Card (which, despite its name, is open to members of both sexes) and the 4 miles per $1 it gives on $2,000 of online spend each month?

dbs woman's card
DBS Woman’s World Card on the right- this one gives you 4 miles per $1 on online spend, but requires income of $80,000. The regular DBS Woman’s Card on the left only requires income of $30,000, but earns only 2 miles per $1 of online spend

As it turns out, reloading a prepaid card online DOES count as an online transaction, which opens up some interesting possibilities…

EDIT: People have been asking whether or not UOB Pref Plat Visa will earn a bonus for topping up the Imagine/FEVO. Answer is no. See T&C in bold

* Online retail transactions are transactions for purchases of goods or services via the internet using the Card. Online merchants include merchants that fall within the categories of bookstores, cinemas, entertainment, electronics, fast food, music and retail shopping, but excludes all merchants that fall within the categories of airline, travel, transport,top-ups for any pre-paid card, government, utilities, telecommunications, brokerage/securities, insurance, education/tuition, online money transfers and online gambling websites and such other categories of online merchants as UOB may exclude from time to time.

AMEX Imagine

The AMEX Imagine card retails at $50, with a limited time promotion of $40 credit preloaded.


You make an initial load of maximum $100 and pay $3.50 for it to be shipped to your address. Subsequently though, you can top it up using your DBS Woman’s Card and earn 4X on that top up. You then slowly use the IMAGINE card to pay for your expenses that month.

So to illustrate- I top up $1,000 (the maximum balance at any time on the IMAGINE card is $1,000 ) to the IMAGINE Card, thereby earning 4,000 miles. I then use the card for whatever expenses arise- effectively earning 4 miles on spend which would not normally get any bonus. I then repeat this within the month to max out the $2,000 cap on 4 miles for the DBS Woman’s card.

There is normally a loading fee but it is waived if you load more than $50 at one go. Also, the IMAGINE card has an Ezlink function which means that you can carry it around without having to add another card to your wallet



For those of you who want the convenience of Mastercard, you can look at the FEVO card instead. However, you’ll pay a bit more for it. The card itself retails at $28, without any stored value (vs $10 for the IMAGINE AMEX, after you take the $40 credit into account)

The FEVO comes in a few different options- you can put your own image on it, you can get an NFC version or an EZ Link version if you want. If you’re ok with paying $28 upfront in exchange for wider acceptance, the FEVO card might be better for you.

EDIT: Fevo used to waive the 1% top up fee for loads of $50 or more but that no longer appears to be the case


There are some who will say I am doing the travel hacking community a disservice by writing about this so publicly, which will lead the banks to close this loophole. My stance is this: the banks aren’t stupid- there is no way they don’t already know about this. But since the maximum “damage” that can be done per month is $2,000, and if it gets them a good number of people signing up and using what would otherwise be a very niche card (you don’t see a lot of men with the DBS Woman’s Card), what do they care?

Remember, the banks earn every time you spend using their card- so go out there and make them happy!

cover photo by robert donnovan

Related Posts

Leave a Reply

121 Comments on "Hack your way to 4 miles on everything"

Notify of


Does paying via mobile apps using DBS Woman Card will get 4 miles or paying must be via website ? If is not considered online very bad i just make huge purchasing using airasia and lazada apps also top up my FEVO and Imagine card using their own apps : (

i’d be curious to know if this works on the UOB preferred platinum visa (which has a 12k annual limit on online spend)

Hi, are you taking into account the 1% convenience fee that is levied on each top-up transaction?

Hi, can the Fevo card be reloaded using Amex CC?

Hi! If you can only get 1 card, which one would you recommend? FEVO or Imagine?

Hi Aaron, as per your advice, i have gotten myself the altitude and woman world card now. Based on this article, would the best strategy be to get an imagine card, reload it up to 2k a month using woman card, and only use the altitude card for expenses beyond 2k?

That’s correct. Technically uob prvi Is better for local spend because it is 1.4 vs 1.2 for dbs but yeah. First 2k through imagine

Thanks Aaron! Gonna forgo the 0.2 miles for the sake of consolidating dbs miles together. 🙂

Hi Aaron,

how about using credit card like debit card/nets?

Immediately pay the credit after each transaction? Will it affect the miles and points? or pay the credit before it is billed.

Thanks for your reply.

I like to stop thinking about upcoming bill… So paying asap is something I like to do…


Hi Aaron

So is it better to pay via giro or pay at AXS machine/AXS online using Imagine/Fevo and earn 4 miles per 1 dollar to pay utilities bills and credit card bills?

Hi Aaron.

Can I confirm if this 4 miles imagine hack still working?

Cos I did a top up on the 1st and I didn’t get any of the bonus dbs point on the 16th?


U will get bonus on the 16th of next month not the current month

Oh okie. I’ll Keep a look out


Hi Guys, I have a few concerns that I hope can be clarified.

1. Does topping up the M1 Prepaid Mastercard earns 4miles/$ using DBS WC now?

2. I see that if you top up through AXS, there will be no top up fees charged. Has anyone tried topping up the prepaid master card via AXS online? Does it earn you 4 miles/$ as well?

Look forward looking from you guys soon.


Is it possible to use the imagine card on a transaction >$1000?

Not usually

@@C That’s too bad. Was thinking hard of max-loading 2 imagine cards over several months to foot a wedding banquet bill. Guess paying 12k at one shot would not work?

Absolutely no chance for $12K unfortunately. Try search some similar threads in forum. U may have better idea on some strategies others adopt 🙂

Don’t forget to read this too

Thanks for the reminder.

Has anyone tried topping up the imagine using uob pp visa and rewarded 4x?

Seems like imagine amex is gone. Just received an email from them that sale of card, topping and usage will be terminated at different period.

just received news that the imagine card is gonna be discontinued

Hi there… is it possible to get the Woman’s World MasterCard twice in order to have the twice the rewards cap? I am booking hotels and such quite frequently for business travel, so I would easily max out twice the rewards cap.

I know, the alternative would be the Altitude with 3Miles / $, or the the Citi Premiermiles for Kaligo and Expedia (as long as it lasts…), but why make it more complicated…?

Any experience ?

I am afraid you cannot hold multiple copies of a card in your name. Any wife/gf/partner you can leverage?

I dont think u can have two DBS Woman World Master Card. A few alternative options available 1) HSBC Advance CC earns you 10x rewards/4 miles per dollar spend for online, local restaurant, and local entertainment venue. There is no cap to the spending except transaction to Ez-Link Pte Ltd is cap at 200 per month (the company you paid to when you top up your imagine/fevo) The downside is that you would have to open an advance account with them which required a minimum deposit of 30k, alternatively, you can credit your salary to HSBC which would also meet… Read more »

Called DBS today, it is true, you can’t hold the same credit card twice.

Thanks for the alternatives… for the sake of simplicity I will go for the Altitude as my 4th card. Then the miles game can begin.

I’m new to dbs credit cards. What is the cut off date for spend? Is it 15th to 15th? Want to confirm to ensure that the $2000 falls within the correct period. Thanks!

I asked DBS. It is based on calendar month. 1-31.

Thanks Mark. This means that it’s not according to the statements?

Yes its not according to statement, points is only awarded on 16th of the following month.

Hi Guys,

We can now top up NETS FlashPay with DBS WC via mobile app. Anyone knows if this will allow you to gain 4miles/dollar?

Read the news here

Hi Arron,
here for me, there is one question regarding the FEVO prepaid card,as after I topped up $2,000, where can I spend it? how can i use it to pay my bills? thanks.

I read somewhere that Fevo not eligible for the bonus recently. Is there a change in their rewarding category? By the way it’s for DBS WW top up to Fevo.. Anyone able to clarify who uses this methos?

I received 8000 miles this month for last month’s fevo top up. Where did u read that it is not eligible?

Heard someone saying at hwz..

Cause points is awarded only at 16th of next month, and lots of people spreading rumors don’t read their T&C correctly or bother to test these out themselves. If your worried, get the 5x rewards DBS plat woman and topup some small amount yourself.

Hi, I just got myself a Fevo card. Topped up the card and realised that biller is Ezylink Pte Ltd. Will still get my bonus miles for the DBSWWC? Please advise.

Does topping up fevo using woman card via fevo Mobile app get 10x?

Hi Aaron,

Do you think the UOB Visa Signature card is better than the DBS womans card? Since it has a higher cap at $4000?

Though it has a $1000 minimum spend.

Do correct me if I am wrong. =D

To my knowledge , the visa signature is capped at $2K.

VS , u can bring overseas to swipe in foreign currency. WMC is strictly online to get 10x.

does dbs womens work with uber ie. does it count as online spending?

Yes. It does.

Say goodbye to womens mc. New t&c came out. Wont work on many thing including prepaid merchabts like fevo.

Another card bites the dust, along with fevo haha.
I generally find sg credit cards to be pretty shitty compared to other places around the world.

Does this FEVO trick work with any cards now? Or are they all gone?

Works with a few other cards, but none with 4miles per $1.

Can you share what other cards would reward points for FEVO top ups? Thanks!

I think HSBC Advance, though only up to $200/month. 4miles/$

Thanks, I know that as well. Any other cards that you guys might know of?

Is there any difference between the FEVO $28 card and the M1 FEVO card which only costs $5?

I would like to know as well. Any kind souls out there to help?
Thanks in advance.

Does this still work?? Anyone getting points for sept or oct 2016?

Works so far. Oct points will be in on 16th Nov.


Oct points in.

Hi, I have already maxed out my $2000 on DBS WWMC. What’s the next best card to top up my Fevo?

DBS WMC, the scaled down version of the WWMC. Gives you 2mpd.

can a person own both the WWMC and WMC concurrently ? Anyone ever tried ?

They are not mutually exclusive. I have both cards.

Hi Aaron

When u make a hotel stay purchase on spg website, is the purchase also processed by and hence considered non-hotel purchase?

Can someone confirm if DBS woman’s world card still given 10X for fevo card top up for Dec 2016?

What he said! ^

hi, for places that only accepts nets or cash, is there a ‘nets’ card that i can purchase which I can top-up through credit card?

any nets flashpay card, topped up by credit card through the MRT General Ticketing Machine will work.


I am currently testing out the following cards for online spending:
HSBC Advance Platinium
OCBC Titanium
Citibank Rewards

Do you think these will work for the FEVO topup?

Thanks in advance

HSBC Advance and Citibank Rewards doesn’t work for Fevo.

Not sure about OCBC Titanium.

I think HSBC Advance work up to 200 SGD Online Transactions means retail transactions made via the internet and processed by the respective merchants/acquirers as an online transaction type through the Visa Worldwide networks. For the avoidance of doubt, transactions made on brokerage/securities and/or money payment/transfer websites are not classified as retail transactions and are expressly excluded. For Online Transactions which involve any pre-paid card top-ups including but not limited to EZ-Link, Transitlink or NETS Flashpay, 10x Rewards points are capped at 2,000 HSBC Rewards points per Account per calendar month (i.e. up to S$200 spend). For OCBC Titanium Rewards,… Read more »

For OCBC Titanium, is it confirmed that it will get 10x rewards up to $200? From the T&C it doesnt say that it will earn 10x explicitly, maybe 1x rewards only..?

Anyway I just charged my OCBC titanium for EZreload ATU..

Hey there,

How would the 3 cards stack up:

DBS Women’s World
Citi Rewards
OCBC Titanium?

Do the qualifying spend under “online transactions” differ much?

Thanks Rio and Mark for their reply.

Guess I’ll just bite the bullet and apply for the DBS Women’s World MasterCard. Was hoping to consolidate the points… oh well

Last I checked DBS WWC no longer awards 10x for Fevo top-ups. Can anyone confirm?

Hope someone can confirm this too!

Still working as of 16 Jan (awarded bonus points for Dec spend).

That’s brilliant!

It seems fevo party stops this Feb, can anyone cross check?

What do you mean? I checked today and it credited 10x.

I checked mine today and realized that 10x is credited! Thanks!

I guess it’s more of a problem with those new to the miles game. Some are lazy and want others to spoon feed everything. At the minimum they need to read the omnibus pages on this site.

Maybe put in bold red letters the “updated as at XXX” date with a caveat that information is only correct as of that date and to check the bank’s website for changes.

Better than to do away with it completely. I still find the Omnibus very useful as a quick reference tool and supplement it by going to the bank’s site for confirmed details.

I got mine for WWC but not WC for AXS transactions. Happened last month and this month. CSA said AXS not entitled but I told her that I was issued for WWC. She offerred to investigate but I declined as I didn’t want my WWC card AXS bonus points to be stopped as well.

Anyone having AXS bonus points not issued for Woman’s Card (green one)?

…a good guideline when getting points awarded for stuff that is explicitly excluded in T&C is not to raise it to the bank.

Similarly, when not awarded such points, it’s probably best to cut your losses and move on.

Amen to that. Don’t understand why some people just don’t get it.

bcoz ppl feel self entitled. or naive.

fevo still works? LOL

i didnt get bonus rewards get for AXS payments on my WWC card for March’s spend. Anyone face the same?

DBS stopped issuing points for AXS payments long back. If you got some recently, you have just been lucky.

Hi FEVO card is out of stock. Is the M1 prepaid MasterCard equivalent to FEVO? Will we get 4 miles per $1 for topping up the M1 card?

It comes with MAJOR bugs – can’t log on online.

For the fevo top up using DBSWWC to get the 4mpd – are you guys topping up to the Mastercard purse or Ezlink purse?

Hi, do you have any clue if Citibank awards citidollars for Fevo card top ups?

I think the fevo top up using wwmc no longer have 4mpd. Anyone has a better suggestion to use which card for axa insurance and sp bill?