Credit Card Combo: Why Pair DBS Woman's World Card & DBS Altitude | Singsaver

Credit Card Combo: Why Pair DBS Woman’s World Card & DBS Altitude

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Two is better than one when it comes to credit cards that let you chalk up flexible DBS Points.

Are you a loyal DBS customer looking to maximise the number of DBS Points you could potentially earn on every dollar charged to your credit card? Pairing two rewards credit cards might just be the magic solution you need to fast-track your mission to collect rewards points. 

For the uninitiated, DBS Points are pretty versatile. They are essentially rewards points that you can exchange for cash rebates, air miles, shopping and dining vouchers, movie discounts and everything in between. Some of the DBS Points do not expire at all, while others have a shorter validity period — this depends on the specific DBS card you’re using. 

If you’re interested in collecting those flexible DBS Points, we recommend you pair the DBS Woman’s World Card with DBS Altitude to chalk up those rewards points. 

DBS Woman’s World Card 

Despite its name, both women and men can apply for the DBS Woman’s World Card as long as  they are able to meet the S$80,000 annual income requirement. The best part of the DBS Woman’s World Card? There’s no minimum spend in order for one to start earning generous rewards of up to 10 DBS Points for every S$5 spent. 

Here’s a quick look at what this rewards credit card has to offer: 

  • 10 DBS Points (20 miles) for every S$5 spent on online purchases 
  • 3 DBS Points (6 miles) for every S$5 spent on overseas purchases
  • 1 DBS Points (2 miles) for every S$5 spent on other purchases
  • Complimentary e-commerce protection for online purchases

Keep in mind the 10 DBS Points per S$5 spent applies to the first S$2,000 online spend per calendar month. 

Alternatively, consider DBS Woman’s Card if the S$80,000 annual income requirement is out of reach at the moment. The DBS Woman’s Card has a S$30,000 annual income requirement. It offers 5 DBS Points (10 miles) for every S$5 spent on online purchases and 1 DBS Points (2 miles) for every S$5 spent on other purchases. 

For this card, the 5 DBS Points per S$5 spent applies to the first S$1,000 online spend per calendar month.

DBS Woman’s World Card

DBS Altitude

While the DBS Altitude is often marketed as a miles credit card, this credit card lets users earn expiry-free DBS Points on every eligible purchase charged to the card. There’s no minimum spend in order to start earning these expiry-free DBS Points, too. 

Here’s a quick look at what this rewards credit card has to offer: 

  • 3 DBS Points per S$5 spent locally, including bus and train rides (i.e. 1.2mpd)
  • 5 DBS Points per S$5 spent on overseas purchases in foreign currency (i.e. 2mpd)
  • Additional 4.5 DBS Points per S$5 spent locally on online flight and hotel transactions (i.e. 3mpd)
  • Additional 2.5 DBS Points per S$5 spent in foreign currency on online flight and hotel transactions (i.e. 3mpd) 

Cardmembers can stand to earn even more DBS Points when they spend on Agoda, Expedia, and Kaligo.

While there’s no limit to how many DBS Points you can earn every month, take note that the 7.5 DBS Points you can earn on every S$5 spent on online flight and hotel transactions are capped at S$5,000 per month. 

Another quick and easy way to chalk up DBS Points? Simply pay the annual fee when it’s time for you to renew your card membership. In exchange, DBS will deposit a whopping 5,000 DBS Points into your account balance. For those who are wondering, that’s equivalent to 10,000 miles.

Why DBS Points chasers should consider this card combination 

In this day and age where everyone regularly shops online, it is only logical that we use a card that lets us earn rewards quicker when we spend. Extra brownie points if there’s no minimum spend required to start earning these rewards points! 

DBS Points earned on DBS Altitude do not expire while those earned on DBS Woman’s World Card expire after 12 months. The thing is, your DBS Points are pooled at the point of redemption — this makes things easier when you’re redeeming blocks of 5,000 DBS Points. 

Also, you’ll be happy to know the DBS system deducts Points with the earliest expiry first. 

Example

Credit cardDBS Points balanceDBS Points balance after redemption of 5,000 DBS Points 
DBS Woman’s World Card4,0000
DBS Altitude1,200200

Take for instance you have 4,000 DBS Points earned on your DBS Woman’s World Card and 1,200 DBS Points earned on the DBS Altitude. When you redeem 5,000 DBS Points, the bank will deduct 4,000 of those points from your DBS Woman’s World Card account and another 1,000 from your DBS Altitude account. The remaining 200 you have in the latter will stay expiry-free as intended. 

The cherry on top? The DBS digibank app ranks pretty highly among local banks in Singapore.


Welcome Gift: Enjoy S$300 cashback when you key in the promo code OCTFLASH upon application. A minimum spend of S$300 must be made within 60 days of card approval. Valid till 18 Oct 2021. T&Cs apply.

If you’re not a new DBS/POSB credit cardmember, consider these promotions instead.


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By Denise Bay
While Denise has a thing for travel, K-dramas, 0% sugar bbt (with boba!), Japanese cuisine and flat white, her curious nature means all sorts of random tabs are open on her phone 24/7. She doesn’t like to pay full price for anything, too.