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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Airmiles Overseas
1.2-4 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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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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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

DBS Woman’s World Card

The DBS Woman’s World Card is ideal for online shoppers who want to maximise rewards and enjoy added peace of mind.

It allows you to earn 4 miles per S$1 on online spend (capped at S$1,000 per month), 1.2 miles per S$1 on overseas spend, and 0.4 miles per S$1 on local spend.

Additionally, you’ll enjoy complimentary e-Commerce protection for your online purchases, flexible miles redemption to over 40 airline and hotel partners, and access to DBS Points that never expire.

Spend Category Rewards Earned
S$1 Online Spend 4 miles
S$1 Foreign Currency Spend 1.2 miles
All Other Spend 0.4 miles

 

SingSaver’s Offer


Welcome offer comparison

Provider Offer
SingSaver <insert offers/rewards>
DBS Website Nil
Other Platforms Nil


Best offer: The Singsaver promotion offers the most value.

 

DBS Woman’s World Card at a glance


Air miles

4/5 Stars

  • 4 miles per S$1 on online spend
  • 1.2 miles per S$1 on overseas spend
  • 0.4 miles on all other spend
  • Points are awarded as DBS Points and have to be converted to miles
  • Cap for online bonus awards is S$1,000 per calendar month


Overseas spending

3/5 Stars

  • A decent earn rate on FCY spend, but not the highest
  • Accepted globally and travel-friendly


Travel

3/5 Stars

  • Complimentary e-Commerce protection for online purchase
  • Access to DBS Points redemption with over 40 airline and hotel partners, including KrisFlyer, Asia Miles, and Qantas
  • Exclusive travel deals with Agoda (up to 10% off hotels) and Kaligo (up to 10 miles per S$1 spend)
  • No complimentary airport lounge visits or travel insurance 

Bill payment

2/5 Stars

  • No rewards on bill payments via AXS or similar channels
  • Not suitable for recurring utilities or tax payments

 

Petrol

1/5 Stars

  • No fuel savings or petrol station deals
  • Better alternatives for drivers

Annual interest rate and fees

  • Annual principal fee: S$196.20 (inclusive of GST)
  • Supplementary annual fee: S$98.10
  • Fee waiver: 1-year waiver for principal card
  • Interest-free period: 25 days
  • Annual interest rate: 27.8% p.a.
  • Late payment fees: S$100 if outstanding balance is more than S$200
  • Minimum monthly repayment: 3% of statement balance or S$50, whichever is higher
  • Foreign currency transaction fee: 3.25%
  • Cash advance transaction fee:  8% or S$15, whichever is higher
  • Overlimit fee: S$40

 

Minimum income requirements

  • All applicants minimum income: S$80,000

Why apply for the DBS Woman’s World Credit Card

 

Miles benefits

  • 4 miles per S$1 on online spend (capped at S$1,000 per calendar month
  • 1.2 miles per S$1 on overseas spend
  • 0.4 miles per S$1 on all other local spend
  • DBS Points never expire and can be converted to over 40 airline and hotel partners, including KrisFlyer and Asia Miles

Additional benefits

  • Complimentary e-Commerce protection for online purchases
  • Exclusive travel and hotel deals with partners like Agoda and Kaligo
  • Access to periodic airline tie-ups for bonus miles or discounts

Everyday value

  • Flexible redemption of DBS Points into miles, cash rebates, or vouchers
  • Instant conversion via the DBS PayLah! app or iBanking
  • Bonus earn rate tailored for frequent online shoppers

SingSaver’s take

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.

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.

 

Card comparison

Card Miles/Rewards Annual Fee (Principal) Other Perks
DBS Woman’s World Card 4 mpd online, 1.2 mpd overseas, 0.4 mpd on all other spend S$196.20 (1-year waiver) Complimentary e-commerce protection for online purchases, points pooling available with other DBS cards
UOB Lady’s Solitaire Card 4 mpd on two chosen categories, 0.4 mpd on all other spend

 S$414.20 (1-year waiver) Interest-free payment plans over 6 or 12 months, e-Commerce Protection on online purchases, complimentary travel insurance coverage of up to USD100,000
OCBC Rewards Credit Card 6 mpd on Watson’s and select online spend (until 31/12/2025), 4 mpd on certain retail categories S$196.20 (1-year waiver) Up to 8 mpd on selected bookings, travel insurance, high overseas earn rate

 

Application process

  1. Click “Apply Now” on this page.
  2. Fill in your personal and financial details. For faster processing, use MyInfo via SingPass to auto-fill your details securely.
  3. Upload the required income and identity documents (especially if you’re not using MyInfo).
  4. Submit your application and wait for DBS to approve your card (typically within 3 to 5 working days).
  5. Receive and activate your card.
  6. Receive your rewards via Singsaver within 4 weeks.

Related pages

 

Frequently asked questions about 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, 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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