Review: DBS Woman’s World Card

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The DBS Woman's World Card is one of the best options for online spending- and it's not just for ladies.

Most people see the DBS Woman’s World Card and assume from the name that its appeal is limited to 50% of the population. But that would be a bad mistake to make, because you’d be missing out on one of the best kept secrets in Singapore. 

In fact, this is pretty much an essential card for all miles chasers, thanks to its excellent bonuses on online spending. 

dbs woman's world cardDBS Woman’s World Card
★★★1/2
Don’t let the branding throw you off. The DBS Woman’s World Card is an excellent option for online spending, and an easy way to generate up to 96,000 miles a year with just S$2,000 of expenditure per month. 
The goodThe bad
  • 4 mpd on all online spending
  • Relatively high 4 mpd cap of S$2,000 per month
  • Open to both genders
  • Points only valid for 1 year
  • No points for Amaze
Full List of Credit Card Reviews

Overview: DBS Woman’s World Card

Let’s start this review by looking at the key features of the DBS Woman’s World Card. 

dbs woman's world cardApply Here
Income Req.S$80,000 p.a. Points Validity1 year
Annual FeeS$192.60
(First Year Free)
Min. Transfer5,000 DBS Points
(10,000 miles)
Miles with
Annual Fee
NoneTransfer Partners
  • SIA
  • Cathay Pacific
  • Qantas
  • Air Asia
FCY Fee3.25%Transfer FeeS$26.75 (per xfer)
S$42.80 (per yr)
Local Earn0.4 mpdPoints Pool?Yes
FCY Earn1.2 mpdLounge Access?No
Special Earn4 mpd on online spendingAirport Limo?No
Cardholder Terms and Conditions

Do note that DBS has two different Woman’s cards: the Woman’s Platinum Mastercard (left), and the Woman’s World Card (right). 

dbs woman's card review

We will be focusing on the DBS Woman’s World Card in this post, since there’s really no reason why you should be getting the Woman’s Platinum Mastercard to begin with (don’t worry about the income requirement- see below).

Dude, I’m a guy…

Good for you. Pump more iron and console yourself that applying for a lady’s card does not make you less of a man in any way shape or form. 

Unlike the gender-exclusive UOB Lady’s Card, the DBS Woman’s World Card is open to both men and women. Don’t believe me? Scroll up and look closely at the name DBS put on the card art. 

How much must I earn to qualify for a DBS Woman’s World Card?

income requirement

The DBS Woman’s World Card supposedly has an S$80,000 annual income requirement, but don’t let that put you off applying- as I’ve laid out before, any income requirement above the MAS-mandated minimum of S$30,000 is purely arbitrary. 

The fact of the matter is, plenty of people who earn S$30,000 per year get approved for a DBS Woman’s World Card with no drama whatsoever. It helps if you already hold an existing DBS credit card. Click through this link, and select the DBS Woman’s World Card.

dbs woman's world card application

Select “Yes” when asked if you already have a DBS card, and login to your ibanking. You should then receive an instant decision, and from the data points I’ve seen so far, earning less than S$80,000 has never been an issue. 

How much is the DBS Woman’s World Card annual fee?

 Principal CardSupp. Card
First YearFreeFree
SubsequentS$192.60S$96.30

The DBS Woman’s World Card has an annual fee of S$192.60 for the principal cardholder, and S$96.30 for each supplementary card. This is waived for the first year, and subsequent years’ annual fees can be waived when you spend at least S$25,000 a year. 

Don’t take this as a hard and fast rule: I’ve got my annual fee waived many times before despite spending nowhere near S$25,000. It’s extremely easy to request an annual fee waiver via DBS’s online channels or hotline, so don’t be afraid to try. 

How many miles do I earn?

🇸🇬 SGD Spending🌎 FCY Spending➕ Bonus Spending
0.4 mpd1.2 mpd4.0 mpd on online transactions

SGD/FCY Spending

DBS Woman’s World Card members earn 1 DBS Point for every S$5 spent in Singapore Dollars, and 3 DBS Points for every S$5 spent in FCY (a 3.25% FCY fee applies).

1 DBS Point is worth 2 airline miles, so that’s an equivalent earn rate of 0.4 mpd for local spending, and 1.2 mpd for FCY spending. 

Bonus Spending

This is where the DBS Woman’s World Card really shines, because cardholders will earn 10 DBS Points for every S$5 spent online, regardless of currency. That’s equivalent earn rate of 4 mpd, capped at S$2,000 per calendar month.  Any spend in excess of this cap earns 0.4 mpd. 

Some (non-exhaustive) examples of online transactions include:

  • shopping at sites like Amazon, eBay, Lazada, Qoo10, Shopee, Taobao
  • buying air tickets or booking hotels (provided the transaction is processed online)
  • booking movie or attraction tickets
  • taking Grab or gojek rides
  • ordering food delivery
  • buying books
  • paying for streaming services like Netflix and Spotify

It’s a very wide range, so you can see why this card is useful. Just think of how many online transactions you do in a typical week, and imagine earning 4 mpd on that instead of the usual 1.1-1.4 mpd with general spending cards. 

For the avoidance of doubt, if a transaction is both online and in foreign currency, you’ll earn 4 mpd, and not 1.2 mpd. 

Don’t forget that from now till 31 July 2022, you can earn up to 6 mpd on DBS Woman’s World Card transactions simply by opting for a 0% interest installment plan. The bonus is capped at the first S$500 of instalments per calendar month during the promotion period. 

Great deal: Enjoy up to 6 mpd and interest-free instalments on the DBS Woman’s Card

When are DBS Points credited? 

It’s important to know that DBS Points on the DBS Woman’s World Card are not all credited at once. Depending on the type of transaction you’re doing, some will be credited when the transaction posts, others will only post at the end of the next calendar month following the transaction. 

Offline Local Spend1 DBS Point on the next working day when transaction posts
Online Local Spend1 DBS Point on the next working day when transaction posts, 9 DBS Points by the end of the next calendar month following the transaction
Offline FCY Spend3 DBS Points on the next working day when transaction posts
Online FCY Spend3 DBS Points on the next working day when transaction posts, 7 DBS Points by the end of the next calendar month following the transaction

How are DBS points calculated?

Here’s how you can work out the DBS Points earned on the DBS Woman’s World Card:

Online Local Spend1X: Divide transaction by 5 and multiply by 1.0. Round down to nearest whole number
9X: Divide transaction by 5 and multiply by 9.0, round to 2 decimal places.
Online FCY Spend
3X: Divide transaction by 5 and multiply by 1.0, round down to nearest whole number, divide transaction by 5 and multiply by 2.0, round down to nearest whole number, add both
7X: Divide transaction by 5 and multiply by 7.0, round to 2 decimal places

If you’re an excel geek, here’s the formulas you need to calculate: 

Online Local Spend1X: =ROUNDDOWN ((X/5)*1,0)
9X: =ROUNDDOWN ((X/5)*9,2)
Online FCY Spend
3X: =ROUNDDOWN ((X/5)*1,0) + ROUNDDOWN ((X/5)*2,0)
7X: =ROUNDDOWN ((X/5)*7,2)
Where X= Amount Spent

For the full list of formulas that banks use to calculate credit card points, do refer to these articles:

What transactions aren’t eligible for DBS Points?

The following transactions are ineligible for DBS Points, as per the general DBS rewards T&Cs. 

  • Bill payments and all transactions via AXS (except Pay+Earn), SAM, eNETS;
  • Payments to educational institutions;
  • Payment to government institutions and services (court cases, fines, bail and bonds, tax payment, postal services, parking lots and garages, intra-government purchases and any other government services not classified here);
  • Payment to insurance companies (sales, underwriting, and premiums);
  • Payments to financial institutions (including banks and brokerages);
  • Payment to non-profit organisations;
  • Payments to hospitals;
  • Payments on utilities;
  • Betting (including lottery tickets, casino gaming chips, off-track betting, and wagers at race tracks) through any channel;
  • Any top-ups or payment of funds to payment service providers, prepaid cards, any prepaid accounts or purchase of prepaid cards/credits (including but not limited to EZ-Link, GrabPay, NETS FlashPay and Singtel Dash);
  • Any transaction with transaction description “AMAZE*”
  • Instalment payment plan purchases, preferred payment plans, balance transfer, fund transfer, cash advances, annual fees, interest, late payment charges, all fees charged by DBS, miscellaneous charges imposed by DBS (unless otherwise stated in writing by DBS).

The T&Cs of the DBS Woman’s World Card state some further exclusions as to what counts as online spending.

  • Bill payments and all transactions via AXS, SAM, eNETS;
  • Payments made to CardUp, iPaymy and SmoovPay;
  • Payments to educational institutions;
  • Payments to financial institutions (including but not limited to banks, online trading platforms and brokerages);
  • Payments to government institutions and services (court cases, fines, bail and bonds, tax payment, postal services, parking lots and garages, intra-government purchases and any other government services not classified here);
  • Payments to hospitals;
  • Payments to insurance companies (including but not limited to sales, underwriting, and premiums);
  • Payments to non-profit organisations;
  • Payments made via online banking;
  • Payments to professional service providers (including but not limited to accounting, auditing, bookkeeping services, advertising services, funeral service and legal services and attorneys, and Pay+Earn);
  • Payments made via telephone or mail order;
  • Payments to utility bill companies;
  • Any top-ups or payment of funds to payment service providers, prepaid cards, any repaid accounts or purchase of prepaid cards (including but not limited to EZ-Link, NETS FlashPay and Singtel Dash);
  • Any betting transactions (including but not limited to Levy Payments to Local Casinos, Lottery Tickets, Casino Gaming Chips, Off-track Betting and Wagers);
  • Any transactions related to crypto currencies;
  • Instalment payment plan purchases, preferred payment plans, balance transfer, fund transfer, cash advances, annual fees, interest, late payment charges, all fees charged by DBS, miscellaneous charges imposed by DBS (unless otherwise stated in writing by DBS); and
  • Any other transactions determined by DBS from time to time

To summarize, this is not the card to use for CardUp/ipaymy, education, government transactions, insurance, charitable donations, utilities, hospitals or GrabPay top-ups. Even if these are processed online, you won’t earn any points. 

Amaze transactions have ceased to earn DBS Points, effective 1 June 2022. 

Nerfed: DBS adds Amaze to rewards exclusion list from 1 June

What do I need to know about DBS Points?

❌ Expiry↔️ Pooling✈️ Transfer Fee
1 yearYesS$26.75 per conversion 
OR S$42.80 per year

DBS Points earned on the DBS Woman’s World Card expire after one year. This is a relatively short expiry period, so you’ll want to monitor your points balance closely.

DBS Points earned on different cards pool together for the purposes of redemption. If I have a 12,000 points on the DBS Altitude and 8,000 points on the DBS Woman’s World Card, I’ll be able to redeem 20,000 points at one shot, paying a single conversion fee. 

However, DBS Points are not pooled when it comes to card cancellations. If I have a DBS Altitude and DBS Woman’s World Card and decide to cancel the latter, I’ll need to transfer my points out before cancelling or forfeit them. 

DBS partners with the following frequent flyer programmes:

Frequent Flyer ProgrammeConversion Ratio
(DBS Points: Miles)
5,000: 10,000
5,000: 10,000
5,000: 10,000
500: 1,500

Transfers cost S$26.75 per programme, regardless of how many points are transferred.

For KrisFlyer miles specifically, DBS offers an alternative “auto conversion programme”. This charges a flat fee of S$42.80 per membership year, and automatically converts DBS Points to KrisFlyer miles each calendar quarter in blocks of 500 points. However, this is only available to DBS Insignia, DBS Black Treasures Elite, and DBS Altitude cardholders. 

DBS tells customers to expect points to be credited in 1-2 weeks, but in reality it usually takes about 3-4 working days at the very most. 

dbs points to krispay miles transfer

If you need your points credited instantly, you can do so via KrisPay.

100 DBS Points can be transferred to 170 KrisPay miles, which can then be transferred to KrisFlyer miles at a 1:1 ratio. Transfers are immediate, but those 100 DBS Points would normally have earned you 200 KrisFlyer miles, so you effectively take a 15% haircut. 

Other card perks

There’s no lounge or airport limo benefits with the DBS Woman’s World Card, but by virtue of its World Mastercard tier, it’s eligible for certain generic Mastercard benefits. These include discounted airport limos, discounted airport lounge access, and even some fast track status offers. 

Otherwise, you’ll have access to the usual generic DBS benefits, which can be found here

Summary Review: DBS Woman’s World Card

dbs woman's world cardApply Here

Given the sheer number of online transactions performed on a daily basis, you absolutely need to have a dedicated online spending card. With an earn rate of 4 mpd, the DBS Woman’s World Card is one of the best options for this category. The monthly 4 mpd cap of S$2,000 is also higher than other cards which offer bonuses on online spending, like the Citi Rewards or UOB Preferred Platinum Visa. 

The main drawback is the one year points expiry, which knocks half a star off for me. This means you’ll have to commit to transferring your points at least once a year- hardly a deal-breaker, but annoying nonetheless. 

So that’s my review of the DBS Woman’s World Card. What do you think?

Overall Score
★★★★1/2
Ratings Guide
5 Stars
★★★★★
An essential card for miles chasers, with few viable alternatives 
4 Stars
★★★★
A very good card, although other equally good alternatives may exist
3 Stars
★★★
A decent card to round out your collection, but not absolutely essential
2 Stars
★★
Very limited use cases, and outperformed by most other cards
1 Star

Paperweight. Use for picking teeth or ninja stars
Aaron Wong
Aaron Wong
Aaron founded The Milelion to help people travel better for less and impress chiobu. He was 50% successful.

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Syok

Aaron I like you

D K

Expired points can be clawed back to redeem for gifts but not miles. I was told the miles conversion fee is for per transfer transaction. I was also told that there’s no longer an annual version of that fee.

D K

ok got it – annual fee is only for auto conversion and not applicable for WWMC
 

Last edited 2 years ago by D K
Ed Z

Ladies and gents, this is one of the must-have cards!

Sammy

Hi Aaron,
Will top up Shopee wallet considered as online transaction?

XYZ

I did this in Jun and Aug and got points. However YMMV

Max

got points but not 10X point. I only got 20 points for 100 dollar top up which equals 0.4 mpd.

Ray

How do you deal with the 1 year expiry (on a quarterly basis)? Do you redeem on a yearly basis (to reduce the admin fee for the conversion) or on quarterly basis (to maximise the validity of the miles)?

Ray

I meant the quarter in which the miles would expire, but yearly is probably a good way to go about it.

dkdk

Goddamn it! Didn’t know that the income requirements can be 30k! I came across this site late and didn’t see the article about the lax income requirement! I didn’t apply this because I always thought I need to wait until my pay gets to 80k…

Smudger

I think the WWMC online spend suffers the SAME syndrome as CRMC due to the mastercard online tagging issues. Tried both Live Fresh and WWMC, qualifies online for live fresh (visa) but does not awarded 9X WWMC bonus for Favepay payment at F&B outlets. Fortunately, DBS can be more lax in considering appeals unlike Citi who can be stuck up on this sticky issue.

Guest

agreed! for instance, i had transactions for Guardian On and Foodpanda, CRV get 9x bonus but CRMC!!! what the…

CB of 2020

I wonder if the SC X card will take your coveted 1 star paperweight rating.

PSA

PSA:
 
Fave doesn’t track correctly, and they refused to reinstate points for my transactions.
 
Quite a few other types of transactions don’t track correctly, and the product team tries to impose a time limit of 3 months from transaction date (though this isn’t anywhere in the T&Cs and you get your bonus points only in the next cycle…).
 
They don’t have the legal right to do that since the 3 month deadline isn’t mentioned in the T&Cs, but it’s a pretty tiring fight.

Kyeo

Hi Aaron, i have been trying to find out what the best card to use for business class tickets purchase since I travel frequently for work on business on my own account. Thanks!

Vik

Hey Aaron, I have just applied for this card. Do you know if Gym membership falls under online transactions. Typically, they save our card details and charge it monthly or bi-weekly! Thank you

G T

Hi! Do you know if payment made through PayPal are entitled to the 10x DBS points?

nigel

Under the T&C further exclusions, what is counted as ‘advertising services’? Is Facebook ads excluded too?

Grace

Hey Aaron,

I have a couple of big ticket items that are slightly over 1k each. Right now, charging two to the card would take it up to 2200 for the current month.

Is it worth it to sacrifice the 200 surplus or risk not hitting the monthly cap this month? One item would be 1200 and I cannot find another 800 to charge this month.

Also, is the monthly cap reset every 1st of the new month or exactly one month from card approval?

Thanks!

CCK

I have both Altitude card & WW card, when i convert my DBS points to Krisflyer, will they convert the points at First In First out basis or on first expiring first out basis?

S_Tay

Hi Aaron! I am just recently starting my miles game. I have Altitude currently and thinking of applying for this card. I currently have over 20k DBS Points. Should I transfer all of them out before getting this card as you mentioned about the fifo transfer if I start using this card instead? (But covid …)

Thank you!

Amin Haissac

Just a heads up. DBS WWMC no longer rewarding points (Both bonus and basic points) for Shopeepay transactions as per 14 May 2021 TnC.

Last edited 1 year ago by Amin Haissac
Candy

I just learnt of the benefits of this card, after so long! May I know if contactless payment is the same as online payment Will contactless payment also earn 4mpd?

Candy

Thanks for the reply, Aaron! What about about payment using the card in Apple Pay and Google Pay?

SQ Flyer

Doesn’t count either unless the purchase was made through your phone browser or an app.

D K

Hi Aaron! Just wondering since u travel a lot, when you buy train tickets eg on Deutsch Bahn or TGV or Trenitalia do purchases of Train ticket count under online purchase with the DBS Woman‘A World Card/Citi Rewards/HSBC Revolution? Thanks!

SQ Flyer

Yes for DBS WWMC and HSBC Revo.

Sky

hi Aron, thanks for sharing such a useful article.
just confirm, I’m holding Woman’s World Card, so I will earn 1.2 mpd when I made any purchases on retails/offline stores with foreign currency transactions out of Singapore.
in this case, UOB PRVI Miles earns 2.4mpd which is much better than WWC.

Ronald

Does payment using Kris+ considered as an online and eligible for 4mpd?

Jack

yes. I use it since last year. No problem

James Tan

are Carousell purchases included for the bonus miles?

iota

Nice write up, Aaron. Keep rocking!

Also, a gentle reminder that you are a month behind schedule on the annual $120K roundup (waiting for DBS’ new offering or just busy?). Since you don’t do a $500K roundup, this acts as a decent proxy.

It will be interesting to see how you value OCBC Voyage this time. I am seeing Voyage in a new light after 3 trips in the last month were courtesy VM while SQ Awards were wait-listed even as a TPPS. Optimising for mile earning works well till it doesn’t!

Miles Chaser

Hi Aaron, I have been looking around but can’t find the answer.

Do recurring Apple Subscriptions count towards 4 mpd for the online transaction category?

Jimmy

Just tried to request for waiving annual fee of DBS women’s world card twice on 2 different days and both times get rejected.

Maybe they change their policy and will definitely charge annual fee for those didn’t spend enough, or maybe they just don’t think I am valuable customer to them.

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