Are you a frequent traveller or a savvy shopper looking to maximise your miles and rewards in Singapore?
DBS has some of the most popular miles credit cards in Singapore, from beginner-friendly options to premium, high-income cards. Whether you’re after miles that never expire, big rewards on online shopping, or premium lounge access, DBS has a card for every lifestyle.
In this guide, we break down the DBS Altitude Card, DBS Woman’s World Card, and DBS Vantage Card — with reviews, benefits, annual fee details, exclusions, and comparisons to help you choose the right card to suit your lifestyle.
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📚 Table of Contents:
- ⚡ TL;DR: The Best DBS Miles Cards at a Glance
- DBS Altitude Card Review
- Benefits & Earn Rates
- Annual Fee Waiver
- Travel Insurance & Lounge Access
- Exclusions
- How to Redeem Miles
- FAQs
- DBS Woman’s World Card Review
- Benefits & Earn Rates
- Annual Fee & Waivers
- Exclusions
- FAQs
- DBS Vantage Card Review
- Benefits & Earn Rates
- Annual Fee & Fee Waiver
- Lounge Access & Perks
- FAQs
- Conclusion: Which DBS Miles Card Should You Choose?
- Travel Card Alternative: YouTrip
- FAQs: DBS Miles Cards
⚡ TL;DR: The Best DBS Miles Cards at a Glance
Here’s a side-by-side comparison between the DBS Altitude Card, DBS Woman’s World Card, and the DBS Vantage Card.
| Feature | DBS Altitude Card (Visa/Amex) | DBS Woman’s World Card | DBS Vantage Card |
| Annual Fee | S$196.20 (1st year waived, waiver with S$25k annual spend) | S$196.20 (1st year waived) | S$599.50 (non-waivable for the first year; comes with 25,000 bonus miles) |
| Income Requirement | S$30k (SG/PR), S$45k (foreigners) | S$80k (SG/PR/foreigners) | S$120k/year (invite-only) |
| Miles Earn Rate (Local) | 1.3 mpd | 0.4 mpd (Local) 4 mpd (Online) | 1.5 mpd |
| Miles Earn Rate (Overseas) | 2.2 mpd | 1.2 mpd | 2.2 mpd |
| Bonus Miles | N/A | 4 mpd on online spending | N/A |
| Miles Expiry | Never expire | DBS Points expire 1 year from period earned | Never expire |
| Lounge Access | 2 free Priority Pass visits/year | None | 10 free Priority Pass visits/year |
| Travel Insurance | Complimentary (when full fare charged) | Complimentary (when full fare charged) | Complimentary (with higher coverage tiers) |
| Other Perks | 10k bonus miles if you pay the annual fee | Free e-commerce protection for online purchases | Accor Plus Explorer membership (free hotel night + dining perks) |
| Best For | Beginners who want fuss-free miles | Online spenders (travel, shopping) | High-income frequent flyers who want premium perks |
📖 Related guide: Revolut Singapore (2025): The Ultimate Guide To The Revolut Card, Account & Fees
DBS Altitude Card Review
The DBS Altitude Card (Visa or Amex) is Singapore’s go-to start miles card. With no expiry on miles, competitive earn rates, and easy lounge perks, it’s a great entry point.
Image Credits: AK Credit
▶️ DBS Altitude Card Benefits
- 1.3 miles per S$1 local spend
- 2.2 miles per S$1 overseas spend
- Miles never expire – accumulate stress-free
▶️ DBS Altitude Card Annual Fee Waiver
- Annual fee: S$196.20
- First year waived
- Subsequent waiver if you spend S$25,000/year
- Earn 10,000 bonus miles if you pay the annual fee
▶️ DBS Altitude Card Lounge Access & Priority Pass
- Comes with a digital Priority Pass membership
- 2 free visits per year, additional visits are chargeable
▶️ DBS Altitude Card Exclusions
No miles typically on:
- Bill payments
- Education, insurance, utilities
- Government services
- GrabPay/TransitLink top-ups
*Check T&Cs
▶️ FAQs
- Q: What is the minimum spend?
None for miles earning; S$25,000/year for a fee waiver. - Q: Eligibility criteria?
Age 21-75; S$30,000 annual income (SG/PR), S$45k (foreigners). - Q: What’s the difference between Amex & Visa?
Visa is more widely accepted + Priority Pass; Amex sometimes has unique promos. - Q: DBS Altitude Visa limit?
Up to 4x monthly income, subject to credit assessment.
💡Travel Tip: While the DBS Altitude Card is a strong starter for miles, frequent travellers should note the foreign currency transaction fee (3.25%). If you’d rather save instantly on overseas purchases, YouTrip offers 0% FX fees across 150+ currencies — no minimum spend, no annual fee, no exclusions.
📖 Explore next: Discover the Best Miles Credit Card in Singapore (2025): The Ultimate Guide
DBS Woman’s World Card Review
Despite the name, the DBS Woman’s World Card is open to everyone. It’s designed for online spend – ideal for online shoppers.
Image Credits: DBS
▶️ DBS Woman’s World Card Benefits
- 0.4 miles per S$1 local spend (capped at S$1,000/month)
- 1.2 miles per S$1 on overseas spend
- 4 miles per S$1 on online spend
- Complimentary e-commerce protection insurance
▶️ DBS Woman’s World Card Annual Fee
- Annual fee: S$196.20
- First year waived
▶️ DBS Woman’s World Card Exclusions
- No points on insurance, utilities, government payments, education, prepaid top-ups
▶️ FAQs: DBS Woman’s World Card
- Q: What is the minimum spend?
None for miles earning; S$25,000/year for a fee waiver. Also note: the monthly cap for online bonus spend was cut from S$1,500 to S$1,000 on 1 August 2025. - Q: Eligibility?
S$80,000 annual income (SG/PR/foreigners) - Q: Does it have lounge access?
No lounge perks. - Q: DBS Woman’s World Card vs UOB Lady’s Card
- DBS Woman’s World: Simple – 4 mpd on all online spend (up to S$1,500/month)
- UOB Lady’s: Flexible – choose categories (dining, fashion, beauty, transport, etc.) for 10X rewards
- 👉 DBS is better for consistent online spenders, and UOB Lady’s is better for those with specific lifestyle categories.
- Q: DBS Woman’s World Card vs Citi Rewards Card
- DBS Woman’s World: Higher monthly cap for 4mpd, fewer bonus category restrictions, pooled across all DBS cards.
- Citi Rewards: More airline transfer partners & longer points validity.
- 👉DBS Woman’s World is simpler, and Citi Rewards is good for those who value flexibility.
✈️ Reality check: The DBS Woman’s World Card shines for online spend, but those miles don’t stretch as far if you’re paying high FX fees or waiting to hit conversion thresholds. That’s where YouTrip comes in — you get real-time savings overseas, so you’re not forced to overspend just to chase a fee waiver or a mile redemption.
📖 Explore next: DBS Multi-Currency Account (MCA) Guide 2025: Features, Exchange Rates, Fees
DBS Vantage Card Review
The DBS Vantage Card is DBS’s premium lifestyle & travel credit card, packed with perks for high-income individuals.
Image Credits: MoneySmart
▶️ DBS Vantage Card Benefits
- 1.5 miles per S$1 local spend
- 2.2 miles per S$1 overseas spend
- Option to switch between miles & cashback monthly
- Complimentary Accor Plus Explorer membership (free hotel stay + dining benefits)
- Dining privileges at premium restaurants
▶️ DBS Vantage Card Annual Fee
- Annual fee: S$599.50
- Not waivable for the first year
- Subsequent years waiver eligibility – S$60,000 retail spend condition
- Paying the fee grants 25,000 bonus miles
▶️ DBS Vantage Card Lounge Access
- 10 free Priority Pass lounge visits/year (big upgrade from the DBS Altitude Card)
▶️ FAQs:
- Q: What is the income requirement for the DBS Vantage Card?
You’ll need a minimum annual income of S$120,000. - Q: Can I switch between cashback and miles with the DBS Vantage Card?
Yes. The Vantage Card allows you to switch monthly between earning cashback or miles, depending on your preference.
🛫 Premium isn’t always practical: The DBS Vantage Card gives you lounge access and hotel perks — but at a steep S$599.50 annual fee. If your priority is maximising value per dollar when you travel (instead of paying for perks), YouTrip is a straightforward, no-fee alternative.
📖 For more information: YouTrip Vs Wise Card Comparison Guide
Which DBS Miles Card Should You Choose?
DBS cards cover every tier — from entry to luxury. Choose based on your income, lifestyle, and how you spend.
- Pick the DBS Altitude Card (Visa/Amex) if you’re starting out with miles.
- Go for the DBS Woman’s World Card if most of your spending is online.
- Apply for the DBS Vantage Card if you’re a frequent flyer with a high income and want premium perks like Accor Plus and 10 free lounge visits.
✅ Final Take: DBS’s miles cards are great if you want to play the miles game — but they often come with annual fees, spending requirements, and FX charges. For travellers who prefer simplicity and guaranteed savings, pairing (or even replacing) a miles card with YouTrip can make your travel wallet lighter, cheaper, and smarter.
YouTrip: The Best Alternative for Travellers
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.
📖 Further reading: Read all about the Best Multi-Currency Cards In Singapore (2025): A Full Comparison Guide
DBS Miles Credit Cards FAQs:
Q: What is the income requirement for the DBS Woman’s Card?
S$80k for Singaporeans/PRs/foreigners.
Q: What is the income requirement for the DBS Vantage Card?
S$120k/year (invite-only).
Q: Which DBS card is best for beginners?
The DBS Altitude Card — easy earn rates, miles never expire, and a low-income requirement.
Q: Which DBS card has the highest miles earn rate?
DBS Woman’s World Card — 4 mpd on online spend.
Q: Which DBS card has the best lounge benefits?
DBS Vantage Card — 10 free Priority Pass visits.
Q: How does the DBS Points system work?
- 1 DBS Point is worth 2 miles
- Conversions to Qantas Points, KrisFlyer, and Asia Miles are accepted in blocks of 5,000 DBS Points, which is equivalent to 10,000 miles.
- DBS Points will be credited when your transactions post, which generally takes 1-3 working days.
Q: Do DBS Points expire?
- DBS Points earned on the DBS Altitude Card never expire.
- DBS Points earned on the DBS Woman’s World Card expire after 1 year.
- DBS Points earned on the DBS Vantage Card expire in 3 years.
Q: How to Redeem Miles?
- Convert DBS Points → KrisFlyer, Asia Miles, or other airline partners via the DBS digibank app
- Conversion fee: S$27.25 per transfer
📖 Also check out: Trust Bank Singapore Guide: Credit Card & Cashback Card Review (2025)
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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