DBS Woman's World Card

DBS Woman's World Card

DBS Woman's World Card

DBS Woman's World Card

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DBS Woman’s World Card is a great rewards and air miles credit card for ladies and men. Benefits include an attractive 10X Points program for online spend, annual fee waiver, Agoda staycation deals, and other promotions. DBS Points earned can be redeemed for miles, AirPods via the DBS Rewards Apple Store, cash back, and more.
S$5 = 10 DBS Points (equivalent to 4 Miles per S$1)
on Online Purchases
S$5 = 3 DBS Points (equivalent to 1.2 Miles per S$1)
on Overseas Purchases
S$5 = 1 DBS Point (equivalent to 0.4 Miles per S$1)
on all Other Purchases

Quick Facts

Get the maximum value by

Using this as an online shopping card to make full use of the 10X Points program

Good for

Rewards and air miles enthusiasts looking for a good airline miles earn rate; both males and females

Categories to maximise this card

Online shopping in local currency; fashion and beauty promotions and deals

What people use it for

As an online shopping credit card to maximise rewards points earned

Get if

You prefer online shopping, are looking to accumulate air miles, and can diligently track and transfer rewards points before they expire

All Details

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DBS Woman’s World Card Benefits 2024

Despite its name, the DBS Woman’s World Card is a gender-neutral rewards and air miles credit card which is available to both women and men. Currently, it offers a generous 10X Points program for online spending, an annual fee waiver, Agoda staycation deals, and other promotions*. The DBS Points accumulated can be redeemed for miles, AirPods through the DBS Rewards Apple Store, cash back, and more*.

Here’s a quick look at the requirements, pros and cons and other relevant details of the DBS Woman’s World Card before you decide to get your hands on this card.

*Note that the content below is accurate at the time of writing on 15 July 2024 and subject to change from time to time at DBS Bank's discretion.

Pros & Cons

Pros

  • Up to 10X DBS Points per S$5 spent on online purchases (equivalent to 4 miles per $1 spent)
  • Up to 3X DBS Points per S$5 spent on overseas purchases (equivalent to 1.2 miles per S$1 spent)
  • Up to 1X DBS Points per S$5 spent on other purchases (equivalent to 0.4 miles per $1 spent)
  • First year waiver of annual fee available
  • Complimentary e-Commerce Protection on online purchases
  • Flexibility to convert DBS Points into air miles on the go via DBS digibank mobile app
  • Instant redemption of DBS Points to pay for online purchases or in-store ones
  • Option to redeem your DBS Points for cash credits, shopping vouchers, grocery and dining vouchers and more
  • Access to exclusive travel bookings promotions (with complimentary travel insurance) on DBS Travel Marketplace

Cons

  • Interest rate of 27.80%, which is higher than other cashback credit cards in the market
  • DBS Points cap (4 miles per $1 spent) for online purchases fixed at S$1,500
  • Expiry of DBS Points earned in the first year is fixed within a year from card application, subsequent DBS Points earned will expire a year from earned date
  • Minimum spend of at least S$25,000 to your card each year to waive the annual fee for the following year

Compare DBS Woman’s World Card vs. UOB Lady's Card vs. HSBC Revolution Card

Aside from the DBS Woman’s World Card, the UOB Lady’s Card and HSBC Revolution Card are also popular choices designed for frequent travellers and active spenders.


Among these options, the DBS Woman’s World Card is a more premium, higher-tier card offering more attractive benefits. To qualify for this card, an annual income of $80,000 or more is required — which is more than two times of the minimum income requirement of both UOB Lady's Card and HSBC Revolution Card.


While the DBS Woman’s World Card and the UOB Lady’s Card offer miles and reward points earn rates which are as attractive as HSBC Revolution Card’s, these two cards charge annual fees, unlike the HSBC Revolution card which does not charge any.


As compared to the UOB Lady's Cards and HSBC Revolution Card, the DBS Woman's World Card has a stricter cap on miles and rewards points, with a $1,500 limit on online purchases (4 miles per $1 spent), while the UOB Lady's Card has a 1,800 UNI$ cap. On the other hand, the HSBC Revolution Card which has a cap of 10,000 reward points per month gives greater flexibility to gain more rewards.


In a nutshell, the DBS Woman’s World Card is great for high spenders who shop online regularly, draw an annual income of above $80,000 (both women and men) and can afford to maximise the benefit of 10X DBS Points per $5 spent on all online purchases (equivalent to 4 miles per S$1).

DBS Woman’s World Card

Interest rate: 27.80%

Annual fee: $196.20 (first year waiver available)

Minimum annual income:

  • $80,000 for Singaporean, PRs and foreigners

    • Rewards benefits:
  • 10X DBS Points per S$5 spent on online purchases (equivalent to 4 miles per $1 spent)
  • 3X DBS Points per S$5 spent on overseas purchases (equivalent to 1.2 miles per S$1 spent)
  • 1X DBS Points per S$5 spent on other purchases (equivalent to 0.4 miles per $1 spent)
  • Complimentary e-Commerce Protection on online purchases
  • Ease of converting DBS Points into air miles on the go via DBS digibank mobile app
  • Instant redemption of DBS Points purchases online or in store, for cash credits, shopping vouchers, grocery and dining vouchers and more

    • UOB Lady's Card

    Interest rate: 27.80%

    Annual fee: $196.20 (first year waiver available)

    Minimum annual income:

  • $30,000 for Singaporeans and PRs
  • $40,000 for foreigners

    • Rewards benefits:
  • 10X UNI$ (4 miles per S$1) on on 7 spending categories including groceries, dining, travel, beauty and wellness, dining, and more
  • Additional up to 15X UNI$ (6 miles per S$1) when you save with UOB Lady's Savings Account
  • Complimentary e-Commerce insurance coverage and travel insurance
  • UOB Lady’s Card members’ special birthday month discounts
  • Convenience of converting UNI$ into air miles at the conversion rate of UNI$1 = 4 miles
  • Ease of redeeming UNI$ on UOB TMRW to offset bills and purchases for 7 different spending categories every quarter

    • HSBC Revolution Card

    Interest rate: 26.90%

    Annual fee: None

    Minimum annual income:

  • $30,000 for Singaporeans and PRs
  • $40,000 for foreigners

    • Rewards benefits:
  • 10X rewards points (equivalent to 4 air miles or 2.5% Cashback) for every S$1 spent online or via contactless payments
  • 1X reward point for every $1 spent on all other categories
  • Up to 21.15% fuel savings at Caltex and Shell
  • Complimentary access to ENTERTAINER with HSBC app, with over 1,000 1-for-1 deals on dining, lifestyle and travel worldwide
  • Cap of 10,000 rewards points per calendar month on eligible purchases
  • HSBC Reward points awarded are valid for 3 years and 1 month from the date of opening of the credit card account
  • No minimum spend requirement

    • Find Out More About The Best Rewards Cards In Our Blog Review!

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    DBS Woman’s World Card Application

    Here are 3 simple steps to apply for the DBS Woman’s World Card

    Step 1

    Apply via MoneySmart’s credit cards page

    You may begin your application by clicking on our DBS Woman’s World Card application link.

    When you choose to apply online via SingPass MyInfo, DBS will pull your identity and income data from SingPass (which is already verified), thus cutting short the processing time. The approval-in-principle page will appear within minutes of submitting your MyInfo.

    Step 2

    Provide all documentation required

    You’ll need to provide all the necessary documentation in order for DBS to approve your credit card application. This list of documents include:

  • NRIC or other identification details
  • Latest computerised payslip
  • Latest 12 months’ CPF Contribution History Statement
  • Latest Income Tax Notice of Assessment (NOA)

    • Step 3

    Receive your DBS Woman’s World Card

    You’ll be able to activate your DBS Woman’s World Card through the DBS digibank mobile app, and enter a One-Time Password (OTP) after keying in your 6-digit Online Banking PIN to secure all your credit card transactions. Thereafter, it’s ready for you to use on any of your purchases and you can track your cashback rewards and credit card statements with your DBS digibank app!

    Frequently Asked Questions

    Are there any fees if I apply for the DBS Woman’s World Card?

    The DBS Woman’s World Card charges an annual fee of $196.20 (first year waiver available) and other fees like late payment fee, minimum monthly payment, foreign currency transaction fee, cash advance transaction fee, overlimit fee.

    Am I eligible for the DBS Woman’s World Card?

    If you’re a Singapore Citizen, Permanent Resident (PR), you’re eligible to apply for the DBS Woman’s World Card, as long as you’re aged between 21 and above, and earn a minimum annual income of $80,000 (for Singaporeans, PRs and foreigners).