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DBS Woman's World Card
Miles card by DBS · Easy · No minimum spend
Earns 4 mpd on online spend (local or overseas). Everything else in S$ earns 0.4 mpd. Annual fee: S$196.20.
Best rate4 mpdOnline spend
Everything else0.4 mpdin S$
Bonus capS$1,000a month
Annual feeS$196.20
Checked against DBS's own terms on 21 Oct 2026. See the documents
How you earn
| Where | How you pay | You earn |
|---|---|---|
| Online spend (local or overseas) | Pay online | 4 mpd |
| Everything else, in S$ | Any way of paying | 0.4 mpd |
| Everything else, in a foreign currency | Any way of paying | 1.2 mpd |
The bank's full earning rules
- Per S$5 spent: 1X DBS Point on all eligible spend (0.4 mpd).
- Overseas spend: additional 2X (3X total, 1.2 mpd).
- Online spend: additional 9X for local online spend, or additional 7X for overseas online spend (10X total either way, 4 mpd).
- Online means a retail transaction made via the internet and processed by the merchant or acquirer as an online transaction through Mastercard's network.
- Online bonus cap: S$1,000 of online spend per calendar month from 1 Aug 2025 (product page). Base and bonus beyond this earn 1X, or 3X overseas.
- Bonus points for online spend are credited at the end of the next calendar month.
Where the bonus applies
- Any online retail purchase of goods and services, local or overseas, that isn't excluded below
- Overseas in-store spend earns 3X (1.2 mpd), not the 10X online bonus
Earns nothing on
- MCC: 4784, 4829, 4900, 5047, 5199, 5960, 5993, 6010, 6011, 6012, 6050, 6051, 6211, 6300, 6381, 6399, 6513, 6529, 6530, 6534, 6540, 7349…
- Descriptors: AMAZE, AXS, AXS BizPay, BAGUS, CANTINE, EZ-LINK, PAYPAL AXS, RAZERPAY, SAM, SEDAP, SGeBiz, SHOPEEPAY, SINGTEL DASH, Singapore…
- Instalment plans (0% IPP, My Preferred Payment Plan), interest, finance charges, cash advances, balance transfers, smart cash, AXS and SAM…
- Online bonus also excludes payments via online banking and telephone or mail order
Fees and limits
Annual feeSGD 196.20. DBS used to waive it if you spent S$25,000 in the previous card year; that waiver stops from 1 Aug 2026.
Minimum incomeSGD 80,000 a year.
Overseas fee3.25% on foreign currency transactions (1.00% card association + 2.25% DBS).
Rewards expiryDBS Points expire one year from the date earned; first-year points are redeemable for up to 12 months from the card opening date (DBS Rewards Programme T&Cs, clause 2.12, Sep 2026).
Turning rewards into miles or cash5,000 DBS Points = 10,000 KrisFlyer miles, in blocks of 5,000 points (1 DBS Point per S$5 = 0.4 mpd; 10X = 4 mpd). Admin fee S$27.25 incl. GST per conversion.
Good to know
From 1 Aug 2026, DBS no longer waives the annual fee for spending S$25,000 in the previous card year.
DBS's Woman's Card terms (updated 27 Jul 2026) confirm the online bonus is limited to the first S$1,000 of online spend per calendar month.
Where these facts come from
DBS Woman's World Card product pageno date shown
DBS Rewards Programme Terms and ConditionsLast Updated Sep 2026 (some exclusions effective 1 Dec 2025)
DBS credit card annual fees pageno date shown; read 21 Oct 2026 (mentions 1 Aug 2026 waiver change)
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