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 | Details |
|---|---|
| Card Type | Rewards & air miles credit card |
| Annual Fee | S$196.20 (Principal); first-year fee waived |
| Fee Waiver | Subsequent waiver with S$25,000 annual spend (auto-waiver ends 1 Aug 2026) |
| Minimum Income | S$80,000/year (Singaporeans/PR/Foreigners) |
| Miles Earned | 4 miles per S$1 online (first S$1,000 per calendar month); 1.2 miles per S$1 overseas; 0.4 miles per S$1 local |
| FX Fee | 3.25% on foreign transactions |
| Airport Lounge Access | ❌ None |
| Best For | Online shoppers & lifestyle spenders |
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.
DBS Woman’s Card vs Woman’s World Card: What’s the Difference?
These are two different cards, and mixing them up is the most common mistake. The Woman’s World Card earns 4 miles per S$1 online; the entry-tier Woman’s Card earns 2 miles per S$1.
| DBS Woman’s Card | DBS Woman’s World Card | |
|---|---|---|
| Online earn rate | 2 miles/S$1 | 4 miles/S$1 |
| Annual fee | S$163.50 (first year free) | S$196.20 (first year free) |
| Minimum income | S$30,000/year | S$80,000/year |
The Woman’s Card is the cheaper, lower-income option. The Woman’s World Card’s extra 2 miles per S$1 online is the whole reason to want it. If you earn under S$80,000 or spend lightly online, the plain Woman’s Card is the realistic pick.
For a wider view, our best DBS miles credit cards guide compares it against Altitude and Vantage.
DBS Woman’s World Card Features & Benefits
- High Miles on Online Spend: Earn 4 miles per S$1 on online purchases, capped at the first S$1,000 per calendar 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.
- Turn offline spend into online miles: Apple Pay and Google Pay taps often count as online transactions, and services like Amaze can route offline or instalment spend through an online channel. Both can help more of your spending hit the 4 mpd rate. These aren’t guaranteed, so treat them as a bonus rather than a plan.
💡 Tip: For frequent travellers, a multi-currency card like YouTrip can help you avoid FX fees and manage overseas spending more efficiently.
Fees & Charges
- Annual Fee: S$196.20 for principal card; first-year waived. The automatic waiver for S$25,000 annual spend is being discontinued from 1 August 2026. After that, you’ll need to request a waiver from DBS directly.
- 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.
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.
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.
Spending Caps & Exclusions
- 4 mpd online spend is capped at the first S$1,000 per calendar month. This cap was reduced from S$1,500 to S$1,000 in August 2025, so older reviews may quote a higher figure.
- Excluded transactions include:
- Government payments
- Insurance premiums
- Cash advances
Check DBS’ latest terms for full details.
How to Redeem DBS Points for Miles
The card earns DBS Points, which you convert to airline miles when you want to redeem. DBS Points transfer to KrisFlyer at a 1:2 ratio, so 1 point becomes 2 miles.
So S$1,000 of online spend earns 2,000 DBS Points, which convert to 4,000 KrisFlyer miles. One thing to plan around: each conversion to KrisFlyer carries an administrative fee of S$27.25 (including GST), per DBS. It pays to bank up your points and convert in larger batches rather than transferring after every trip.
For a card that earns KrisFlyer miles directly with no conversion step, see our KrisFlyer UOB card review.
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$196.20 |
| 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. (Note: the DBS Altitude is also losing its automatic S$25,000 fee waiver from 1 August 2026.)
For the full breakdown, see our DBS Altitude card guide.
How It Compares to Other Miles Cards
The Woman’s World Card isn’t the only card earning 4 miles per S$1, so it’s worth knowing where it sits.
- vs DBS yuu Card: The yuu Card advertises up to 10 mpd, but only at yuu merchants like Cold Storage, Giant and Guardian. It’s a groceries-and-pharmacy card, not a general online one, so most people hold it alongside the Woman’s World Card.
- vs UOB Lady’s Card: The UOB Lady’s Card also earns 4 mpd, but on bonus categories you choose (like dining or travel) rather than all online spend. If your spending is offline and concentrated, it can suit you better.
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
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.
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.
FAQs
Useful for occasional trips, but FX fees and caps make it less ideal. Multi-currency cards like YouTrip are better.
The Woman’s World Card earns 4 miles per S$1 online; the entry-tier Woman’s Card earns 2 miles per S$1. The World Card has a higher annual fee (S$196.20 vs S$163.50) and income requirement (S$80,000 vs S$30,000).
Yes, compatible with Apple Pay, Google Pay, and Samsung Pay.
Sign-up promos change often; check the DBS website for current offers.
Yes: government payments, insurance premiums, and cash advances.
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. Join our Telegram (@YouTripSG) and Community Group (@YouTripSquad) for travel tips and exclusive deals.
Related Guides:
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Best Multi-Currency Card in Singapore: 7 Cards Compared
DBS Multi-Currency Card Guide: Benefits, Fees, Currencies
