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DBS Woman's World Card Review: Shopping Miles Rewards in Singapore and Overseas

Shopping Miles Card with 0% Interest Payment Plan
PROMO: USE CODE 200CASH TO GET S$200 CASH CREDIT

DBS Woman's World Card Review: Shopping Miles Rewards in Singapore and Overseas

Shopping Miles Card with 0% Interest Payment Plan

3.7/5.0

ValueChampion Rating ValueChampion Icon

Rewards
Perks
Fees

Pros

  • 0% interest payment plans available
  • Good rewards for online shopping
  • Online purchase protection

Cons

  • Lacks travel perks
  • Limited rewards categories
PROMO: USE CODE 200CASH TO GET S$200 CASH CREDIT

DBS Woman's World Card maximises rewards for online shoppers and is perfect for consumers who prefer to pay for their purchases in instalments. Cardholders earn 4 miles per S$1 online shopping spend, capped at 8,000 miles per month–double the cap offered by competitors. The card also offers consumers discounts and gifts in beauty, wellness, and fashion. However, one of its best attributes is the My Preferred Payment Plan, which allows shoppers to pay for purchases of at least S$100 across 3, 6, or 12 months with 0% interest and 0% processing fee.

While cardholders can also enjoy benefits like discounts on rental cars and S$0 admin fee on SMRT Taxis rides, DBS Woman's World Card is less valuable for non-shoppers. Local spend earns just 0.4 miles per S$1, and overseas spend earns 1.2 miles. Nonetheless, the annual fee of S$192.6 is waived the first year and is subsequently waived with every annual spend of S$25,000. This means that for the average spender, DBS Woman's World Card may easily become a no-fee card. Shoppers who can meet this annual spend and who prefer to pay for purchases over instalments might find DBS Woman's World Card to be a great fit for their lifestyle.

DBS Woman's World Card Features and Benefits

  • Annual Fee: S$192.60, Waived for 1 year, subsequently waived for annual spending of S$25,000
  • Income Requirement: S$80,000 for citizens & PRs, S$80,000 for foreigners
Key Features:
  • Annual fee: S$192.60 (first year- waived)
  • Subsequently waived w/ min annual spend of S$25,000
  • 4 miles per S$1 spend on online purchase and, 1.2 miles on overseas spend
  • 0.4 miles per S$1 spend on all other purchases
  • DBS My Preferred Payment Plan (0% interest instalments)
  • e-Commerce protection on online purchases
Promotions:
  • Use code 200CASH to get S$200 cashback when you apply online via digibank or Myinfo with Singpass and charge min S$800 within 60 days of card approval (until Sep 30, 2021)
  • Charge min S$15,000 to receive an annual fee waiver
  • 7% off at Chu Collagen (until Dec 31, 2021)
Promotions:
  • Use code 200CASH to get S$200 cashback when you apply online via digibank or Myinfo with Singpass and charge min S$800 within 60 days of card approval (until Sep 30, 2021)
  • Charge min S$15,000 to receive an annual fee waiver
  • 7% off at Chu Collagen (until Dec 31, 2021)

What Makes DBS Woman's World Card Stand Out

DBS Woman's World Card offers frequent online shoppers a great way to maximise rewards for their spend and pay for purchases in flexible, interest-free instalments over up to 12 months. Online spend is rewarded with 4 miles per S$1 with a monthly cap of 8,000 miles, which is double the cap offered by competitors. In addition, cardholders have access to complimentary gifts and discounts of up to 15% on select beauty, wellness and fashion merchants. Consumers can also enjoy 10% off Expedia bookings and transport deals like S$0 admin fee for SMRT Taxis rides and complimentary Hertz Gold Plus Rewards membership.

One of the card's most unique features, however, is the My Preferred Payment Plan, which splits purchases into 0% interest instalments of 3, 6, or 12 months and waives the processing fee typically associated with this type of service. This feature is particularly great for shoppers who tend to overspend or who prefer to pay over time. However, there are a few things to keep in mind about this payment plan. Purchases must be at least S$100 to qualify and the cardholder must apply for the plan before making the purchase. In addition, such purchases are not eligible to earn rewards. Also, payments stretched across 18 or 24 months will also face interest rates (7.86% and 5.98% respectively) and a 6% processing fee. Overall, the plan is best for shoppers who can pay back their purchase in less than a year.

DBS My Preferred Payment Plan Guidelines
TenureUp to 12 months18 months24 months
One-Time Processing Fee (based on transaction amount)0%6%6%
Effective Interest Rate0% p.a.7.86% p.a.5.98% p.a.

There are a few drawbacks to DBS Woman's World Card. First, its shopping rewards are limited only to online, while competitors reward online, offline, local, and overseas purchases. Secondly, its general rewards rates are low at 0.4 miles for S$1 local spend and 1.2 miles for overseas spend. Also, while the card does have several benefits, it lacks travel perks and privileges that might be important to some consumers. Travel insurance, airport lounge access, limo transfers, golfing privileges are more are among the privileges not included. The card also has a high salary requirement of S$80,000 per year which limits accessibility.

Overall, however, DBS Woman's World Card offers online shoppers and spenders seeking payment by instalments a great option to both earn rewards and save money. With an annual fee of S$192.6 which is waived the first year, and thereafter with an annual spend of S$25,000, the card might even be considered no-fee for the average consumer. While consumers who mostly shop in-store or who are more focused on everyday spend or overseas spend might not be the best fit for this card, consumers with high online spend and who can avoid the annual fee will benefit from DBS Woman's World Card.

How Does DBS Woman's World Card's Rewards Program Work?

Use our quick and easy-to-read guide below to learn how you you can redeem DBS Woman's World Card rewards.

  • Spend rewarded in DBS Points (redeemable as rewards vouchers, instant-redemption at select merchants, miles, and as payment for annual fee)
  • Cardholder can redeem points for KrisFlyer Miles or Asia Miles in blocks of 5,000 DBS Points for 10,000 air miles through DBS Rewards Frequent Flyer Programme. Administrative fee of S$26.75 applies for each miles redemption.
  • Cardholder can automatically convert points to KrisFlyer Miles on the 10th day of each quarter (January, April, July and October) through DBS KrisFlyer Miles Auto Conversion Programme. Points are converted in blocks of 500 DBS Points for 1,000 KrisFlyer Miles. Administrative fee for miles redemption does not apply, but participants must pay an annual fee of S$42.8.
  • DBS Points earned through DBS Woman's World Card expire one year from the quarterly period in which they were earned

DBS Woman's World Card Rewards Exclusions

Some credit card expenditures are ineligible for cash back or rebate. We identify these exclusions in the table below.

Exclusion CategoryDescription
Bank FeesInstalment payment plan purchases, preferred payment plans, balance transfer, fund transfer, cash advances, annual fees, interest, late payment charges, all fees charged by Bank, miscellaneous charges imposed by Bank (unless otherwise stated in writing by Bank), payments made via online banking*
Transfers & Bill PaymentsAny top-ups or payment of funds to payment service providers, prepaid cards and any prepaid accounts (including EZ-Link, NETS FlashPay, Singtel Dash and Transit Link); payments done via AXS, SAM, eNETS; payments made to CardUp, iPaymy, and Mileslife*; payments made via telephone or mail order*; payments to utility bill companies*; transactions related to crypto currencies*
Institutional PaymentsPayments to educational institutions, government institutions and services (court cases, fines, bail and bonds, tax payment, postal services, parking lots and garages, intra-government purchases and any other government services not classified here), insurance companies (sales, underwriting, and premiums), financial institutions (including banks and brokerages), non-profit organisations, hospitals*, professional service providers (accounting, auditing, bookkeeping services, advertising services, funeral service and legal services and attorneys)*
Betting or GamblingBetting (including lottery tickets, casino gaming chips, off-track betting, and wagers at race tracks) through any channel
* Ineligible only for elevated rewards rate of 4 miles per S$1 online spend

How does DBS Woman's World Card Compare Against Other Cards?

Read our comparisons of DBS Woman's World Card with other cards and learn what makes each card unique in their own way. We compare and contrast each card to highlight its uniqueness to help you identify the card that you need.

DBS Woman's World Card performs below the market average for value-to-consumer after two years based on an average monthly spend of S$2,000, likely because its rewards rate applies to a limited spend category

DBS Woman's World Card v. Citi Rewards Card

Use our link to get the latest promotion from SingSaver & Citi!
Consider this if you want to maximise miles rewards on shopping expenses
  • Pros
    • Great for online & offline shopping
    • Beneficial for frequent travellers
    • Cons
      • Higher card fees
      • Limited rewards categories

      Shoppers looking to maximise rewards for online and fashion spend might want to consider Citi Rewards Card. While cardholders earn only 0.4 miles per S$1 on general spend, they receive 4 miles per S$1 spend on online transactions as well as on clothes, bags, or shoes–both locally and overseas.

      DBS Woman's World Card limits rewards-eligible purchases to online only. However, travel bookings are rewarded; Citi Rewards Card excludes online bookings from earning rewards. Citi Rewards Card also caps monthly rewards at 4,000/month, while DBS Woman's World Card sets its cap at 8,000. Finally, Citi Rewards Card has an annual fee of S$192.6 which is only waived the first year, while DBS Woman's World offers a waiver. Overall, shoppers who want rewards for spend both online and offline may prefer Citi Rewards Card.

      DBS Woman's World Card v. OCBC Titanium Rewards Card

      PROMO: GET VOUCHERS WORTH S$300
      Consider this if you want to accrue miles from your shopping purchases
      • Pros
        • 10 pts (4 miles) per S$1 on fashion & select retail (Qoo10, Amazon, & more)
        • Fee waiver with S$10,000 annual spend
        • Lounge & JetQuay Quayside access
        • Up to 16% fuel savings with Caltex, 14% with Esso
        • Cons
          • 1 pt (0.4 miles) per S$1 other spend
          • Earnings capped at 4,000 mi/mo (worth S$40)

          Shoppers who spend on fashion but want to avoid an annual fee might consider OCBC Titanium Rewards Card. Like a few other cards on the market, OCBC Titanium Rewards Card offers 4 miles per S$1 spend on clothes, shoes, bags, and more online and offline, locally and overseas. However, OCBC Titanium Rewards Card is different in that its annual fee of S$192.6 is waived for two years, then subsequently with every annual spend of S$10,000. DBS Woman's World Card also offers an easily waivable annual fee, but only rewards online purchases. Another difference is that OCBC Titanium Rewards Card caps shopping rewards at 4,000 miles, while DBS Woman's World Card rewards up to 8,000 per month. Ultimately, consumers looking to avoid an annual fee should consider OCBC Titanium Rewards Card if they mostly spend on fashion. If they spend more in general, and mostly spend online, DBS Woman's World Card is a better fit..

          DBS Woman's World Card v. CIMB Visa Signature Card

          Use our link to get the latest promotion from CIMB!
          Consider this if you want to earn cashback on beauty and online shopping
          • Pros
            • Rewards online shopping, groceries and beauty spend
            • Rewards pet spend and cruises
            • No annual fee credit card
            • Cons
              • Lacks discounts on transport & petrol
              • Speciliazed spend
              • Doesn't fit frequent travellers

              Consumers looking to earn no-fee cashback on beauty, wellness and online shopping should consider CIMB Visa Signature Card. With cashback of 10% in both of these categories–as well as for groceries, pet care, and cruise bookings–consumers earn a cash rebate equivalent of 10 miles per S$1 spend–a market-leading rate for shopper cards. In addition, cashback is cumulatively capped at S$100 per month, or about 10,000 miles. While there's a minimum spend of S$800 to unlock this rate, the card has no annual fee, making it easy to earn rewards without any maintenance. Compared to DBS Woman's World Card, CIMB Visa Signature might be a better option for those seeking cashback as well as unique rewards outside of shopping.

              DBS Woman's World Card v. DBS Live Fresh Visa Card

              PROMO: USE CODE 200CASH TO GET S$200 CASH CREDIT
              Consider this if you shop online frequently and have many opportunities to pay with mobile wallets
              • Pros
                • Great rewards on contactless payment methods (Visa payWave)
                • Green cashback on eco-eateries and retailers
                • Various entertainment discounts and promotions
                • Cons
                  • Lacks travel and overseas spend rewards
                  • Not suitable for low budgets

                  DBS Live Fresh Card is a great cashback card for online shoppers who frequently pay with Visa payWave. The card offers 5% cashback on purchases in these categories (rate capped at S$40), with all other spend earning 0.3% (capped at S$20). Considering 1 mile equals roughly S$0.01 in value-to-consumer, these rates translate to 5 miles per S$1 for online and Visa payWave spend and 0.3 miles per S$1 general spend. Compared to shopper cards offering miles, DBS Live Fresh Visa Card offers a higher rewards rate for online spending but a lower rate for general spend. Ultimately, however, DBS Live Fresh Visa Card requires a minimum spend of S$600 to unlock the higher rate and its S$128.4 annual fee is only waived the first year. Consumers who don't mind paying an annual fee and mostly spend online or through mobile transactions could benefit from DBS Live Fresh Visa Card. Those who would rather avoid a fee and earn mile rewards from online spend might instead consider DBS Woman's World Card.

                  Zoryana Melesh

                  Zoryana is a Senior Research Analyst at ValueChampion, who focuses on evaluating credit cards, savings and fixed deposits in Singapore. She holds a BA in Political Science and an MPA in International Finance and Economic Policy, both from Columbia University. Prior to joining ValueChampion, Zoryana worked in treasury management consulting.

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