DBS Woman's World Card

DBS Woman's World Card

Bring out your inner shopaholic as you earn an equivalent of 4mpd on online spend with the DBS Woman's World Card, while enjoying exclusive card privileges in shopping, dining, and travel, all year round.
Highlights
Benefits
Quick Facts
More Info
Guides
Eligibility
Fees
Others
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Highlights

Card benefit
 DBS points / dollar
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Annual Fee
S$ 196.2
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Minimum Annual Income
S$ 80,000
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Things to consider

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Online shopping rebate

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Overseas rebate

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Installment

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Rebate cap applied

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Benefits

Cashback

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Cashback Base Rate
0.17  %
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Cashback Local
0.17  %
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Cashback Overseas
0.5  %
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Cashback Local Online Shopping
1.67  %
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Cashback Overseas Online Shopping
1.67  %
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AirMiles

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Airmiles Base Rate
0.4  miles / dollar
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Airmiles Local
4  miles / dollar
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flight
Airmiles Overseas
4  miles / dollar
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Airmiles Retail
4  miles / dollar
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restaurant
Airmiles Dining
4  miles / dollar
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Airmiles Local Online Shopping
4  miles / dollar
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shopping_bag
Airmiles Overseas Online Shopping
4  miles / dollar
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Airmiles Department Store
0.4  miles / dollar
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Airmiles Supermarket
4  miles / dollar
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Airmiles Hotel Booking
4  miles / dollar
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Airmiles Flight Booking
4  miles / dollar
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luggage
Airmiles Travel
4  miles / dollar
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Airmiles Bonus Cap
S$ 1,500  per calendar month
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Quick Facts

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10X DBS points (20 miles) for every S$5 spent on online purchases.

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3X DBS points (6 miles) for every S$5 spent on overseas purchases.

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1X DBS points (2 miles) for every S$5 spent on other purchases.

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Complimentary e-commerce protection for online purchases.

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Enjoy special promotions and discounts for certain fashion, beauty and wellness stores.

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Both women and men can apply.

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DBS points are only awarded for every S$5 spent.

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10X DBS points are only applicable for the first S$1,500 online spend per calendar month.

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Minimum income requirement for Singaporeans/PRs: S$80,000.

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Minimum income requirement for foreigners: S$80,000.

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Guides

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Eligibility

Eligibility

Minimum Age
21  years old
Minimum Annual Income
S$ 80,000
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Fees / Repayment

Fees

Annual Fee Waiver
1 year
Annual Fee
S$ 196.2
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Foreign Currency Transaction Fee
3.25  %
Cash Advance Service Charge
S$ 15  %
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Air Miles Conversion Fee
S$ 25
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Repayment

Minimum Payment
3  %
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Late Payment Charge
S$ 100
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Interest on Purchase
27.8  %
Interest on Cash Advance
28.5  %
Interest Free Period
25  days
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Others

Association

Mastercard

Supported Payment Type

Google Pay

Apple Pay

Samsung Pay

NETSPay

Tags

DBS Woman's World Card DBS Woman's World Card

Read Singsaver’s full review of the DBS Woman's World Card

 

Pros & cons

Pros 

Cons
  • High rewards on online spend: Earn up to 4 miles per $1 (or 10X DBS Points) on online purchases — from shopping and groceries to travel bookings.
  • Flexible redemption options: DBS Points can be converted to miles, cashback, or vouchers, making rewards customisable to your lifestyle.
  • E-commerce protection included: Enjoy complimentary coverage for eligible online purchases, adding peace of mind when shopping digitally.
  • Monthly rewards cap: The 10X DBS Points rate applies only up to $1,500 in online spend each month — additional spend earns at a lower rate.
  • High foreign transaction fee: Overseas purchases incur a 3.25% fee, which may offset the value of the rewards for frequent travellers.
  • High income requirement: With a minimum annual income of $80,000, this card may be out of reach for fresh grads or lower income earners.

 

Who is this card for

This card is perfect for online shoppers who want to maximise rewards on everyday purchases, from fashion and gadgets to food and travel. It also appeals to miles collectors seeking flexibility, as points can be converted into air miles, vouchers or cashback when travel is not on the cards. With its $80,000 income requirement and bonus cap, it suits high earners with steady online spending habits. Plus, it offers peace of mind for those who value extra protection, thanks to complimentary e-commerce coverage.

 

Compare to other cards

When it comes to maximising miles on online spend, the DBS Woman’s World Card offers one of the highest earn rates — up to 4 miles per $1, capped at $1,500 spend per month. This makes it a favourite among frequent online shoppers, and those who like racking up miles. Its flexibility also extends to rewards redemption, with options for miles, cashback or vouchers. However, the high income requirement ($80,000) may put it out of reach for some, and offline spend earns at a modest rate.

The UOB Lady’s Solitaire Card, on the other hand, gives users the power to select their preferred bonus categories (like dining, beauty, fashion or travel), earning up to 6 miles per $1 on those spends with no monthly cap. This makes it particularly attractive to those with targeted spending habits who want to maximise rewards in specific areas, though male applicants are not eligible for this card. Unlike DBS, it is more suited to shoppers with focused lifestyle preferences rather than broad online spending.

Meanwhile, the OCBC Rewards Credit Card (formerly OCBC Titanium) takes a more versatile approach. Cardholders earn 10 OCBC$ per $1 spent on eligible online and offline retail purchases — also equivalent to 4 miles per $1 — but enjoy a much higher annual cap compared to DBS Woman’s World. It’s ideal for those who shop both online and in-store across categories like fashion, electronics and department stores. However, its lower general spend earn rate and shorter bonus category list make it less appealing for those chasing miles aggressively through daily online transactions.

DBS Woman’s World Card

UOB Lady’s Solitaire Card

OCBC Rewards Credit Card

Interest rate: 27.8 p.a.

Interest rate: 27.8% p.a.

Interest rate: 27.8% p.a.

Annual fee: $196.20 (First year waived; subsequent waiver with $25,000 annual spend)

Annual fee: $414.20 (First year waived; subsequent waiver possible)

Annual fee: $414.20 (First year waived; subsequent waiver possible)

Minimum annual income: $80,000 (for Singaporeans, PRs, and foreigners)

Minimum annual income: $120,000 (for Singaporeans and PRs)

Minimum annual income: $120,000 (for Singaporeans and PRs)

Benefits

Benefits

Benefits
  • 10X DBS Points (4 miles per $1) for online purchases, capped at $1,500/month
  • 3X DBS Points (1.2 miles per $1) on overseas spend
  • 1X DBS Point (0.4 miles per $1) on other spend
  • Complimentary e-commerce protection for online purchases
  • Points pooling available with other DBS cards
  • 10X UNI$ (4 miles per $1) on up to two self-selected bonus categories (e.g., fashion, dining, travel), capped at $2,000/month
  • Base earn rate of 1 UNI$ per $5 spent (0.4 miles per $1)
  • Access to exclusive lifestyle privileges and promotions tailored for women
  • 10 OCBC$ per $1 spent on eligible online and retail purchases, equivalent to 4 miles per $1
  • Annual cap of 120,000 bonus OCBC$
  • Points redeemable for air miles, cash rebates, or vouchers
    Bonus 2% cash rebate for electronics purchases at BEST Denki
 

Read Review

Read Review

 

Credit card application

Step 1: Start your application on SingSaver

  • Go to the DBS Woman's World Card page on SingSaver.
  • Click on the “Apply Now” button.
  • You’ll be redirected to DBS’s secure application portal to complete your application.

Step 2: Fill in your personal and financial details

  • Provide basic information such as your name, NRIC, contact details, and income.
  • For faster processing, use MyInfo via SingPass to auto-fill your details securely.
  • If you prefer, you can also enter your information manually.

Step 3: Upload your supporting documents

To verify your eligibility, you’ll need to provide the following documents (especially if you’re not using MyInfo):

  • Front and back of NRIC (for Singaporeans and PRs) or passport and work pass (for foreigners)
  • Latest computerised payslip (or salary-credited bank statement from the past 3 months)
  • Latest Notice of Assessment (NOA) from IRAS

Step 4: Submit your application

  • Review your details carefully and submit your application.
  • DBS typically processes applications within 3 to 5 working days. You’ll receive email or SMS updates on your application status.

Step 5: Receive and activate your card

  • Once approved, your new DBS Woman's World Card will be mailed to your registered address.
  • Follow the activation instructions included with your card (or activate via DBS’s mobile banking app).
  • Once activated, you can start spending to earn miles!


Credit card application resources

Need a card that matches how you spend and live? Check out our top recommendations by category below:


Frequently asked questions about the DBS Woman's World Card

What’s the difference between the DBS Woman's World Card and DBS Woman’s Card?

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The main difference lies in their income requirements and rewards potential. 

The DBS Woman’s World Card is the premium option, requiring a higher annual income ($80,000) and offering significantly better rewards — especially 10X DBS Points (or 4 miles per $1) on online purchases, capped at $1,500 per month. 

The DBS Woman’s Card, on the other hand, has a lower income requirement ($30,000) but offers lower rewards rates, making it more suitable for those new to credit cards or with lower annual income.

Is the DBS Woman's World Card only available to women?

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No, unlike the UOB Lady’s Solitaire Card, all genders can apply for the DBS Woman's World Card. 

What is the difference between the DBS Woman's World Card and the OCBC Rewards Credit Card?

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Get the DBS Woman’s World Card if you shop online often and want to maximise miles (4 miles per $1) within a monthly cap.

Choose the OCBC Titanium Rewards Card if you prefer flexible rewards and shop across a wider range of retail categories, both online and offline.

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