Are you a frequent traveller or a savvy shopper looking to maximise your miles and rewards in Singapore?
DBS offers three miles credit cards that span entry-level to premium: the Altitude for beginners who want fuss-free miles that never expire, the Woman’s World for online shoppers chasing accelerated rewards, and the Vantage for high-income cardholders who want lounge access and lifestyle perks. This guide maps all three so you can find the right fit and dig into the details from there.
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⚡ DBS Miles Cards: Quick Comparison
| Features | Altitude | Woman’s World | Vantage |
|---|---|---|---|
| Annual fee | S$196.20 | S$196.20 | S$599.50 |
| Min. income (SG/PR) | S$30,000 p.a. | S$80,000 p.a. | S$120,000 p.a. |
| Min. income (Foreigners) | S$45,000 p.a. | S$80,000 p.a. | S$120,000 p.a. |
| Local earn rate | 1.3 mpd | 0.4 mpd | 1.5 mpd |
| Overseas earn rate | 2.2 mpd | 1.2 mpd | 2.2 mpd |
| Accelerated earn | None currently | 4 mpd online (capped S$1,000/month) | None |
| Miles/points expiry | Never | 1 year from earning period | 3 years |
| Lounge access | 2 Priority Pass visits/year | None | 10 Priority Pass visits/year |
| Hotel benefit | None | None | ALL Accor+ Explorer — 2 Stay Plus certificates/year |
| Miles/cashback switch | No | No | Yes — switch monthly |
| Annual fee waiver | 1st year auto-waived; S$25,000 spend waiver discontinued Aug 2026 | 1st year auto-waived | Not waivable 1st year; S$60,000 spend waiver discontinued Aug 2026 |
| FX fee | 3.25% | 3.25% | 3.25% |
✈️ Travelling abroad? All three cards charge 3.25% on overseas spend. Pairing any of them with a zero-FX-fee card like YouTrip removes that cost entirely — no annual fee, no markup.
📚 Table of Contents:
- DBS Altitude Card
- DBS Woman’s World Card
- DBS Vantage Card
- Minimum Income Requirements
- Which DBS Miles Card Should You Get?
- Best Travel Card for Overseas Spending
- FAQ
DBS Altitude Card
Image Credits: AK Credit
| Feature | Details |
|---|---|
| Annual fee | S$196.20 (incl. 9% GST) — 1st year auto-waived |
| Min. income | S$30,000 p.a. (SG/PR); S$45,000 p.a. (Foreigners) |
| Local earn rate | 1.3 mpd |
| Overseas earn rate | 2.2 mpd |
| Lounge access | 2 Priority Pass visits/year |
| Miles expiry | Never |
| Annual fee waiver | Spend-based waiver (S$25,000/year) discontinued from Aug 2026 |
| FX fee | 3.25% |
The DBS Altitude Card is Singapore’s most popular entry-level miles card. Its value proposition is simple: consistent earn rates, no miles expiry, and a first-year fee that’s automatically waived. The 2.2 mpd overseas rate is competitive for a card at this price point, and there’s no cap on earning.
Note that the previously popular 3 mpd on online flight and hotel bookings has been discontinued — check DBS’s official site for any current promo earn rates.
Also worth flagging: the spend-based annual fee waiver (previously S$25,000/year) is being removed from August 2026, after which the fee is a discretionary waiver only via DBS digibank. Paying the fee earns 10,000 bonus miles.
✅ Pros
- Miles never expire — accumulate without pressure
- Lowest income threshold of the three DBS miles cards
- First-year annual fee auto-waived
- 10,000 bonus miles when annual fee is paid in subsequent years
- Straightforward earn structure with no caps on general spending
- 2 Priority Pass lounge visits per year
❌ Cons
- 3.25% FX fee — poor for day-to-day overseas spending
- Spend-based annual fee waiver discontinued from August 2026
- No accelerated earn categories currently available
- Only 2 lounge visits per year — limited for frequent flyers
- Miles transfer fee of S$27.25 per conversion applies
📖 Full guide: DBS Altitude Card Guide: Miles, Benefits, Lounge Access & Fees
DBS Woman’s World Card
Image Credits: DBS
| Feature | Details |
|---|---|
| Annual fee | S$196.20 (incl. 9% GST) — 1st year auto-waived |
| Min. income | S$80,000 p.a. (SG/PR and Foreigners) |
| Local earn rate | 0.4 mpd (1X DBS Points per S$1) |
| Online earn rate | 4 mpd on eligible online spend |
| Overseas earn rate | 1.2 mpd |
| Online earn cap | 9,000 bonus points per month (~S$1,000 eligible spend) |
| Miles/points expiry | 1 year from earning period |
| Lounge access | None |
| FX fee | 3.25% |
Despite its name, the DBS Woman’s World Card is open to everyone. It’s built for online spend — earning 4 mpd on eligible online purchases, including platforms like Amazon, Shopee, and Netflix.
The catch: the online bonus cap was cut from S$1,500 to S$1,000 per month from August 2025, capping the maximum monthly bonus at 9,000 points. Beyond the 10X category, base earn drops to 0.4 mpd locally — low for a card with an S$80,000 income threshold.
DBS Points also expire after one year, so this card suits active spenders who convert regularly rather than long-term accumulators. There’s no lounge access, no hotel benefit, and a 3.25% FX fee — making it a local-use card first.
✅ Pros
- 4 mpd on online spend is among the highest accelerated rates in Singapore
- Complimentary e-commerce purchase protection on online transactions
- First-year fee auto-waived
- DBS Points pool across all DBS cards
- No minimum spend required to earn bonus points
❌ Cons
- Online bonus cap reduced to S$1,000/month from August 2025 (was S$1,500)
- DBS Points expire 1 year from earning period — no long-term accumulation
- Base earn of 0.4 mpd on local spend is very low
- No lounge access
- S$80,000 income requirement is higher than the Altitude
- 3.25% FX fee; overseas earn rate of 1.2 mpd is below the Altitude
📖 Full guide: DBS Woman’s World Card: Miles, Features & Perks Explained
DBS Vantage Card
Image Credits: MoneySmart
| Feature | Details |
|---|---|
| Annual fee | S$599.50 (incl. 9% GST) — not waivable 1st year |
| Min. income | S$120,000 p.a. (all applicants) |
| Local earn rate | 1.5 mpd (or 1.5% cashback) |
| Overseas earn rate | 2.2 mpd (or 2.2% cashback) |
| Miles/cashback switch | Yes — switch once per calendar month |
| Lounge access | 10 Priority Pass visits/year (principal cardholder only) |
| Hotel benefit | Complimentary Accor Plus Explorer membership (2 free hotel nights/year) |
| Renewal miles | 25,000 miles on annual fee payment |
| Points expiry | 3 years |
| Annual fee waiver | S$60,000 spend waiver discontinued from August 2026 |
| FX fee | 3.25% |
The DBS Vantage Card is DBS’s premium miles card, distinguished by its flexibility to switch between earning miles or cashback monthly — a feature no other card in this comparison offers.
The 10 Priority Pass lounge visits and ALL Accor+ Explorer membership provide genuine lifestyle value. From October 2025, the hotel benefit was upgraded to 2 Stay Plus certificates per year (up from 1) — though each now requires a minimum two-night stay with at least one paid night, making it a buy-one-get-one-free deal rather than a standalone complimentary night. Participating properties include Sofitel Singapore Sentosa, Swissôtel The Stamford, Pullman, and Fairmont.
However, two important changes take effect from August 2026: the annual fee waiver for S$60,000 spenders is being removed, making the S$599.50 fee strictly non-waivable going forward. At that point, the card’s value rests entirely on how much of the lounge access, hotel night, and dining perks you actively use.
The card is not invite-only — anyone meeting the S$120,000 income threshold can apply.
✅ Pros
- Unique miles/cashback monthly switch — maximum flexibility
- 10 Priority Pass lounge visits per year — 5× the Altitude
- ALL Accor+ Explorer membership with 2 Stay Plus certificates/year
- 25,000 renewal miles on annual fee payment
- 1.5 mpd local earn — highest base local rate of the three DBS cards
- Metal card with Visa Infinite tier
❌ Cons
- S$599.50 annual fee becoming strictly non-waivable from August 2026
- 3.25% FX fee — poor for day-to-day overseas spending
- DBS Points expire in 3 years — unlike Altitude’s no-expiry miles
- 10 lounge visits are for the principal cardholder only; supplementary cards excluded
- No current sign-up bonus at the time of writing
- S$120,000 income requirement
📖 Full guide: DBS Vantage Card Singapore: Miles, Fees, Benefits & Overseas Spending
Minimum Income Requirements
| Card | Min. Income (SG/PR) | Min. Income (Foreigners) |
|---|---|---|
| Altitude | S$30,000 p.a. | S$45,000 p.a. |
| Woman’s World | S$80,000 p.a. | S$80,000 p.a. |
| Vantage | S$120,000 p.a. | S$120,000 p.a. |
Which DBS Miles Card Should You Choose?
- Get the Altitude if you want a simple, entry-level miles card with no expiry pressure. The lowest income threshold, auto-waived first-year fee, and consistent earn structure make it the most accessible and fuss-free of the three.
- Get the Woman’s World if you spend heavily online and want the highest accelerated earn rate in the DBS range. Use it as a complement to the Altitude — Woman’s World for 10X online categories, Altitude for everything else. Just be mindful of the 9,000 monthly bonus cap and the 1-year points expiry; this card rewards active spenders, not long-term accumulators.
- Get the Vantage if lounge access, the Accor hotel stays, and the miles/cashback flexibility are genuinely part of your lifestyle. Note that the hotel benefit now requires a minimum two-night stay per certificate — it works best if you’re already planning multi-night stays at Accor properties.
- None of the three are strong overseas spending cards. All charge 3.25% in FX fees. For meals, transport, and day-to-day purchases abroad, a zero-FX-fee card like YouTrip saves more in real terms — then use your DBS card for the categories and perks where it actually earns its keep.
📖 Related Guide: Best Miles Card in Singapore: Top 4 Credit Cards Compared (UOB, HSBC, Citi, DBS)
Best Travel Card for Overseas Spending: YouTrip
While DBS’s credit cards are great for miles collectors, they come with annual fees, exclusions, and foreign transaction fees that can eat into your savings. That’s where YouTrip stands out.
Why YouTrip is the smarter alternative:
- 0% foreign transaction fees – save up to 3.25% per overseas transaction compared to credit cards.
- Real-time wholesale exchange rates in 150+ countries
- Lock in & exchange 12 popular currencies in-app
- No annual fee or hidden charges
- Instant top-ups via PayNow or a Linked Bank Account (eGIRO) for convenience
- Travel flexibility – use it for everything from flights to online shopping, without worrying about excluded categories.
👉Best for: Travellers who value cash savings and flexibility more than miles or luxury perks.
📖 Related Guide: Best Multi-Currency Cards In Singapore: A Full Comparison Guide
DBS Miles Credit Cards FAQs
Altitude (S$196.20/year, S$30,000 income) is the entry-level card with no miles expiry, 2 lounge visits, and consistent earn rates. Vantage (S$599.50/year, S$120,000 income) is the premium card with 10 lounge visits, 2 Accor Stay Plus certificates (buy-one-get-one-free), and a monthly miles/cashback switch.
If lounge access and hotel perks are important, Vantage. If you want a reliable, low-cost miles card, Altitude.
Online spend. It earns 4 mpd on eligible online purchases — one of the highest accelerated rates in Singapore. Best used alongside DBS Altitude for a two-card strategy.
Note the 9,000 monthly bonus cap (~S$1,000 eligible spend) and 1-year points expiry.
It depends on the card. Altitude miles never expire. Woman’s World DBS Points expire 1 year from the earning period. Vantage DBS Points expire after 3 years.
S$120,000 p.a. for all applicants — Singaporeans, PRs, and foreigners. The card is open to anyone meeting this threshold; it is not invite-only.
Via the DBS digibank app. The conversion rate is 5,000 DBS Points = 10,000 miles (1 DBS Point = 2 miles). A transfer fee of S$27.25 (incl. GST) applies per conversion.
Conversions are also available to Asia Miles and Qantas Points.
The Altitude’s spend-based waiver (S$25,000/year) and the Vantage’s spend-based waiver (S$60,000/year) are both being discontinued from August 2026.
After that, Altitude waivers are discretionary only (requestable via DBS digibank); Vantage becomes strictly non-waivable. The Woman’s World first-year fee is auto-waived; subsequent waivers may be requested.
Yes. All three charge 3.25% on non-SGD purchases.
More conditional than before. Without a sign-up bonus and with the spend-based fee waiver ending in August 2026, the S$599.50 fee needs to be justified by actively using the 10 lounge visits, the 2 Accor Stay Plus certificates (each requiring a minimum two-night stay with one paid night), and the 25,000 renewal miles.
Yes — DBS Points pool across all DBS cards under the same account, which is useful for meeting conversion minimums when using multiple cards.
Ready to Try YouTrip?
Find a card that suits your needs best — whether you’re looking for the best rates in town or one with zero fees.
Not a YouTrooper yet? Singapore’s go-to multi-currency wallet helps you save with great FX rates and zero fees. Skip the money changer and get a free YouTrip card + S$5 YouTrip credits with code <YTBLOG5>.
Then, head over to our YouTrip Perks page for exclusive offers and promotions — we promise you won’t regret it. Join our Telegram (@YouTripSG) and Community Group (@YouTripSquad) for travel tips, event invites, and more!
Happy travels!
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Information is accurate as of March 2026, sourced from official DBS Singapore product pages and YouTrip’s individual card guides. Card benefits, fees, and earn rates are subject to change — always verify current terms at dbs.com.sg before applying.
