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

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

Miles rewards card for active shoppers with 0% interest payment plans

Good for

  • Active shoppers who like to spread out their payments for a purchase
  • Those who frequently utilise mobile payments

Bad for

  • Shoppers who like to shop both offline & overseas
  • People who want to avoid paying an annual fee
  • Those who want a more general purpose miles card

Editor's Rating

3.5/5.0

DBS Woman's World Card provides one of the best ways of earning miles for active shoppers, as its 4 miles per S$1 spent online matches its leading competitors. Although its 1.2 miles per S$1 spent overseas or 0.4 miles per S$1 spent offline falls behind, DBS Womn's World Card can help shoppers in a different way with its unique 0% interest payment plans. In this review, we will break down the main features of the DBS Woman's World Card to help you decide if this is a credit card worth your while.

ProsCons
  • 4 mile per S$1 spent online
  • Extra miles are capped at 8,000 miles per month
  • A unique 0% interest payment plan at no processing fee for up to 12 months
  • 1.2 miles per S$1 spent overseas & 0.4 miles per S$1 on everything else are comparatively lower than other shopping miles cards
  • Other added benefits like S$0 admin fee on SMRT Taxi rides
  • High minimum annual income requirement of S$80,000
  • Promotion: Up to S$200 of cashback for new customers (S$20 for existing customers)
  • Annual fee is waived for only 1 year

What makes the DBS Woman's World Card Stand Out

Shoppers who like to shop both in Singapore and overseas will appreciate what DBS Woman's World Card has to offer. First, it leads the market for shopping rewards, awarding 4 miles for every S$1 spent on shopping online, and another 1.2 miles per S$1 overseas. Still, its most distinguishing feature is DBS's 0% interest My Preferred Payment Plan, which allows cardholders to make large lump sum payments that they can't immediately afford. By utilising this plan, shoppers can make big purchases without worrying about incurring large interest charges during a pre-determined 3, 6 or 12 months long tenure. DBS's 0% instalment plan particularly stands out because it does not charge any processing fee for up to 12 months. To do so, you should make sure to file an application to DBS prior to making a purchase, as it won't be automatically applied to every expenditure you make.

Despite these great qualities, the DBS Woman's World Card lacks versatility, awarding only 0.4 miles for every S$1 spent on anything besides shopping. Therefore, people who shop infrequently may not be able to accumulate that many air miles with this card. However, this could be alleviated for those who actively use mobile payments as a part of their daily lives. Also, its 1.2 miles per S$1 spent overseas tends to be lower than what other shopping miles cards tend to offer. Nevertheless, the DBS Woman's World Card is definitely a worthwhile consideration for active shoppers, since it matches its competitors in important areas like online shopping rewards, while also providing a differentiated service like 0% interest payment plan.

DBS Woman's World Card Benefits & Features

DBS Woman's World Card Benefits & FeaturesDetails
Annual Fee
  • S$192.6 (waived 1st year)
Annual Income Requirement
  • S$80,000 for locals & foreigners
APR
  • 25%
Card Details
  • 4 mile per S$1 spent online
  • 1.2 miles per S$1 spent overseas
  • Extra mile rewards are capped at 8,000 miles per month (or only on the first S$2,000 of spend on the card per month)
  • 0.4 miles per S$1 spent on everything else
  • 0% interest payment plan at no processing fee for up to 12 months (minimum of S$100 in 1 transaction, maximum 10 transactions per application)
  • S$0 admin fee on SMR Taxi rides
  • Up to 10% discount on travel bookings
  • Promotion: Up to S$200 of cashback for new customers (S$20 for existing customers)

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

To help you decide if the DBS Woman's World Card is the right card for your lifestyle, we've taken the time to compare it to other leading cashback cards in Singapore. However, please note that these estimates can vary dramatically depending on the individual's spending pattern.

A graph displaying how DBS Woman's World Card compares to other credit cards in Singapore in terms of their rewards

DBS Woman's World Card vs Citi Rewards Card

Citi Rewards Visa Card is also a miles card designed for shoppers. But, it is comparatively more specialised for earning miles on shopping expenditure, with up to 4 miles per S$1 spent online, offline and overseas, and sometimes even up to 8 miles per S$1 spent at specific shops and retailers. It also provides a welcome gift of S$120 cash credit when you apply for the card online. However, it doesn't come with a 0% interest payment plan like DBS Woman's World Card, so the choice between the two comes down to preference between miles and payment flexibility.

DBS Woman's World Card vs OCBC Titanium Rewards Card

The OCBC Titanium Rewards Credit Card is similar to DBS Woman's World Card in that it provides 4 miles per S$1 spent on online shopping. Concurrently, it's also similar to Citi Rewards Card in that it extends the 4 miles reward to offline and overseas shopping expenditure. The most unique feature about OCBC Titanium Rewards Credit Card is its annual fee waiver. Its annual fee of S$192.6 is waived for 2 years, and subsequently for anyone who spends S$10,000 or more on the card annually. Therefore, the choice between this card and DBS Woman's World Card would again come to preference between annual fee and 0% interest payment plan.

DBS Woman's World Card vs DBS Live Fresh Card

DBS Live Fresh Card is an online shopping cashback card. It provides up to 10% rebate on online expenditures (including mobile payments), which could be significantly higher than the 4 miles from DBS Woman's World Card, depending on how you redeem your miles. For instance, a mile is worth S$0.01 when redeemed for economy class, but can be worth S$0.04-S$0.08 when redeemed for business or first class tickets. Its annual fee of S$128.4 is also lower than that of DBS Woman's World Card.

*ValueChampion calculates the dollar value of rewards based on S$2,000 of monthly spending. We sum the value of points, miles and cashback in dollar terms and subtract the annual fee over a 24-month period. The estimates here are ValueChampion's alone, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

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