Asia Miles Credit Cards KrisFlyer

DBS Woman’s World Card Review (2022)

With 4 mpd for the first S$2k of online spend per month, and no fee in the first year, perhaps the best thing about the DBS WWMC is that men can get one too!

Here’s our review of the DBS Woman’s World credit card issued in Singapore. It forms part of our series of credit card reviews, which are all summarised on our dedicated Credit Cards page.

Dollar amounts refer to SGD, and ‘miles’ refer to KrisFlyer miles, except where stated. This review was updated on 16th October 2022.

DBS Woman's World Card
Card
First year
free

4 mpd
online

Men can
apply
APPLY HERE
DBS Woman's World Card
Card

First year
free

4 mpd
online

Men can
apply
APPLY HERE

  Mainly Miles Says

A generous $2,000 monthly cap for 4 miles per dollar on all online spend is the main draw for this card, enough to net you 96,000 KrisFlyer miles, Asia Miles or Qantas Points per annum with the right spend.

  Pros   Cons
  • First year fee waiver
  • 4 mpd on up to $2,000 of all monthly online spend
  • Generous points rounding for smaller transactions in the bonus category
  • Points pool with other DBS cards
  • One year points expiry
  • High FCY fee outweighs the offline overseas earn rate
  • Bonus points take a month to credit
  • High income requirement (if they stick to it)

  Two Versions

The DBS Woman’s card comes in two varieties. Both use the Mastercard network; the DBS Woman’s Card and the DBS Woman’s World Card.

Both Cards New

We are only reviewing the DBS Woman’s World Card here (the one on the right). That’s because of its 4 miles per dollar bonus rate for online transactions, which we’ll cover in detail later.

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Another concept to get your head around is that despite this being marketed as a product for female’s, anyone can apply for one of these cards. In case you’re a man feeling uncomfortable about pulling this out of your wallet for a purchase – don’t worry.

As we attested to in the previous paragraph, your secret miles-earning card with its floral design will spend its life hidden away at home anyway, since this one is only really any use for the high miles per dollar rate associated with online spending.

  Eligibility

  • Gender: Any!
  • Minimum Age: 21
  • Minimum Income: $80,000/yr

While the mainstream miles earning DBS Altitude cards came down to earth from their $80k per annum income requirement in recent years (to $30k), the Woman’s World Card has remained pinned at this higher level, for all applicants.

However, there are reports that the income requirement is not strictly enforced, especially for existing DBS customers. If you earn over $30k per annum, it’s worth a try.

  Annual Fees & Interest Rates

  • Annual Fee (principal): $192.60 (first year free)
  • Annual Fee (supplementary): $96.30 (first year free)
  • Fee waiver: All annual card fees waived with $25,000+ retail spend in the previous membership year

This card has an annual fee of $192.60. That’s waived in year one, but don’t worry – there’s a ‘get out’ in subsequent years too.

Provided you spend at least S$25,000 on the card each membership year, you’ll receive a waiver of the fee in the following year.

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There is reportedly some flexibility in the application of the annual fee even if you do not meet the spend criteria. You can request a waiver online for any DBS card (including this one) here. For the last two years I got a full waiver on my DBS Altitude Amex card this way within 24 hours, between a week and a month after it had been charged.

Other fees and interest rates for the DBS Woman’s World card include:

  • EIR: 26.8%
  • Interest-free period: 25 days
  • Minimum payment: 3% (capped at $50)
  • Late payment fee: $100 (for outstanding balance $200+)
  • Cash advance fee: 8% (