Looking for a credit card that rewards your lifestyle while earning miles on overseas spending?
The DBS Woman’s World Card is a lifestyle and rewards card that gives Singaporeans bonus miles for online and overseas purchases. It’s ideal for frequent online shoppers and lifestyle spenders, but FX fees and spending caps reduce value for heavy overseas travellers.
That’s why we’ll also be comparing it with multi-currency cards like YouTrip, which offer zero FX fees and competitive exchange rates for overseas spending.
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⚡ TL;DR
| Feature | DBS Woman’s World Card |
|---|---|
| Card Type | Rewards & air miles credit card |
| Annual Fee | S$196.20 (Principal); First-year fee waived |
| Fee Waiver | Subsequent fee waiver with S$25,000 annual spend |
| Minimum Income | S$80,000/year (Singaporeans/PR/Foreigners) |
| Miles Earned | 4 miles per S$1 on online spend (capped at S$1,000/month); 1.2 miles per S$1 on overseas spend; 0.4 miles per S$1 on local spend |
| FX Fee | 3.25% on foreign transactions |
| Airport Lounge Access | ❌ None |
| Best For | Online shoppers & lifestyle spenders |
📚 Table of Contents:
- What Is the DBS Woman’s World Card?
- Features & Benefits
- Fees & Charges
- Travel & Overseas Spending
- Sign-Up Bonus & Promotions
- Spending Caps & Exclusions
- DBS Woman’s World Card vs DBS Altitude
- Pros & Cons
- Verdict
- FAQs
What is the DBS Woman’s World Card?
Image credits: The MileLion
The DBS Woman’s World Card is a lifestyle and rewards credit card that gives Singaporeans miles on everyday spending and overseas purchases.
Important: Despite its name, the card is not limited to women — anyone meeting the eligibility criteria can apply. It’s great for lifestyle rewards, but high FX fees and spending caps can reduce value for frequent travellers.
📖 Related guides: Best Singapore Credit Card For Overseas Spending (2025)
DBS Woman’s World Card Features & Benefits
- High Miles on Online Spend: Earn 4 miles per S$1 on online purchases, capped at S$1,000 per month. Eligible platforms include Amazon, Shopee, and Netflix.
- Overseas Spending Rewards: Earn 1.2 miles per S$1 on overseas spend.
- Local Spending Rewards: Earn 0.4 miles per S$1 on local purchases.
- Lifestyle Privileges: Enjoy exclusive promotions in fashion, beauty, and wellness.
💡 Tip: For frequent travellers, a multi-currency card like YouTrip can help you avoid FX fees and manage overseas spending more efficiently.
📖 Related guides: Best DBS Miles Credit Cards In Singapore (2025 Guide)
Fees & Charges
- Annual Fee: S$196.20 for principal card; first-year waived. Subsequent waivers require S$25,000 annual spend.
- Foreign Exchange Fee: 3.25% on foreign transactions, including bank and card network fees.
💡 Tip: This makes overseas spending less rewarding than it appears. Multi-currency cards like YouTrip can save you on FX fees.
📖 Related guides: DBS Multiplier Account Review (2025): Interest Rates, Salary Credit & Is It Still Worth It?
Travel & Overseas Spending
- Overseas spending earns 1.2 miles per S$1 but is reduced by the 3.25% FX fee.
- No airport lounge access.
- Supports Apple Pay, Google Pay, and Samsung Pay for seamless payments abroad.
🔎 Frequent travellers might prefer DBS Altitude for airport lounge access or multi-currency cards for better travel savings.
📖 Related guide: Wise Card Singapore Guide (2025): Fees, Limits, Exchange Rates
Sign-Up Bonus & Promotions
- Typical sign-up bonus: Cashback or miles after meeting the min. spend
- Limited-time promotions may include cashback or vouchers.
❗️ Promotions vary; always check the DBS website for current offers.
📖 Related guide: DBS Remit International Money Transfer Guide (2025)
Spending Caps & Exclusions
- 4 mpd online spend is capped at S$1,000/month.
- Excluded transactions include:
- Government payments
- Insurance premiums
- Cash advances
Check DBS’ latest terms for full details.
📖 Related guide: DBS Multi-Currency Account (MCA) Guide 2025: Features, Exchange Rates, Fees
DBS Woman’s World Card vs DBS Altitude
| Feature | DBS Woman’s World Card | DBS Altitude Visa Signature Card |
|---|---|---|
| Annual Fee | S$196.20 | S$192.60 |
| Minimum Income | S$80,000 (Singaporeans/PR/Foreigners) | S$30,000/year (Singaporeans/PR); S$45,000/year (Foreigners) |
| Miles Earned | 4 miles per S$1 online spend 1.2 miles per S$1 overseas spend 0.4 miles/S$1 local spend | 2.2 miles per S$1 overseas spend 1.3 miles per S$1 local spend |
| Airport Lounge Access | ❌ None | 2 complimentary visits per year |
| FX Fee | 3.25% | 3.25% |
⚖️ Takeaway: Both reward overseas spend, but multi-currency cards like YouTrip outperform both by offering zero FX fees, competitive exchange rates, and better travel value.
📖 Related guide: DBS Altitude Card Guide 2025: Miles, Benefits, Lounge Access & Fees
Pros & Cons
✅ Pros
- High miles for online spend
- Lifestyle rewards and promotions
❌ Cons
- 3.25% FX fee reduces overseas value
- No airport lounge access
- Monthly cap on high-reward categories
📖 Related guide: OCBC Multi-Currency Account Guide: OCBC Global Savings Account (2025)
Verdict: Is the DBS Woman’s World Card Worth It?
The DBS Woman’s World Card is perfect for frequent online shoppers and lifestyle spenders. However, for frequent travellers, FX fees and spending caps reduce value. Multi-currency travel cards like YouTrip offer superior overseas savings, zero hidden fees, and easier app management.
📚 Read next: Check out our guide to the best multi-currency cards for the biggest savings here
Why YouTrip Might Be a Smarter Choice for Travellers
YouTrip offers:
- Live wholesale exchange rates — better than bank cards.
- Zero FX fees on 12 currencies.
- Seamless multi-currency management right from the app.
- Instant notifications for every spend.
- Easy overseas transfers — send money abroad at low costs without hidden fees.
For frequent Singaporean travellers, YouTrip can save more money and hassle than traditional premium credit cards with FX fees.
📖 Related guide: Instarem Amaze Card Singapore Guide 2025: Fees, Rewards & Is It Worth It?
FAQs:
Q1. Is the DBS Woman’s World Card good for travellers?
Useful for occasional trips, but FX fees and caps make it less ideal. Multi-currency cards like YouTrip are better.
Q2. Can I use it with Apple Pay?
Yes, compatible with Apple Pay, Google Pay, and Samsung Pay.
Q3. What is the sign-up bonus?
Sign-up promos change often; check the DBS website for current offers.
Q4. Are there spending exclusions?
Yes: government payments, insurance premiums, and cash advances.
Q5. How does it compare to DBS Altitude?
DBS Altitude offers 2 lounge visits and slightly better travel perks, but YouTrip still provides superior FX-free international spend.
Get the Best Rates with YouTrip Today!
The DBS Woman’s World Card is perfect for frequent online shoppers and lifestyle spenders, while YouTrip is better for overseas spending, zero FX fees, and multi-currency flexibility. Use both strategically to get the best of both worlds — rewards, convenience, and savings.
Not on YouTrip yet? 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!
Bon voyage!
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