DBS Woman’s Card Review
This DBS Woman’s Card review is based on 5 months of online spend using its Woman’s World MasterCard (WWMC).
For clarity sake, this article is about WWMC but I may also refer it as DBS Woman’s Card or Ladies Card.
When you search for DBS miles card, you will likely see these 2 cards hoarding the limelight:
And the main reason why people chose the latter is: you can earn 10X DBS Points (20 miles) for every S$5 online spend.
This works out to be 4 miles per S$1 spent online.
For overseas and offline (contactless) transactions, you are better off with DBS Altitude Card and UOB Preferred Platinum Visa Card respectively.I applied for this ladies card – yes, men “do get it” 😉 – and test it out on all my online spending for the past 5 months. And I seek to help you answer these burning questions:
- How to apply for this DBS credit card easily?
- How are the 10X points awarded?
- How to calculate the points/miles earned for local spend?
- How to calculate the points/miles earned for overseas spend?
- Which payment qualifies for the 10X points?
- Which payment does not qualify for the 10X points?
- What about the annual fee?
How To Easily Apply for DBS Woman’s Card?
FOR EXISTING DBS/POSB CREDIT CARD HOLDERS
It will need 5 minutes of your time to apply via iBanking. You are not required to submit any supporting documentation. Here’s the quick guide:- Login to DBS Internet Banking
- Hover mouse over Apply and click Credit Cards
- Select DBS WOMAN’S WORLD MASTERCARD CARD
- Click Apply
- Complete Personal and Contact Details
- Click Next
- Read Terms and click Next to agree
- Click Submit
FOR NEW DBS/POSB CREDIT CARD APPLICANTS
Here’s what you have to do:- Visit DBS Woman’s Card
- Click on Apply now (under “DBS Woman’s World Card”)
- Complete according to the various options provided to you
How Are The DBS Miles/Points Awarded?
The 10X DBS Points only apply to the first S$2,000 online spend per calendar month. It is awarded to qualifying transactions over 2 stages:STAGE 1 – ONE BUSINESS DAY AFTER THE TRANSACTION POSTED DATE.
For every S$5 online spend, the following will be awarded first:- 1X DBS Point (for local transaction in SGD)
- 3X DBS Points (for overseas transaction in Foreign Currency)
STAGE 2 – 16TH OF NEXT CALENDAR MONTH.
The remaining extra DBS points will be awarded next:- 9X DBS Points (for local transaction in SGD)
- 7X DBS Points (for overseas transaction in Foreign Currency)
How to Calculate for Local Transaction (in SGD)?
Let’s say I made a payment of S$25.80 on Qoo10 Singapore (via Mobile App).
FOR STAGE 1 (1X DBS POINT AWARDED)
For S$X local online spend, it will be $X x 1/5 = round down to nearest whole number S$25.80 x 1/5 = 5 DBS Points will be credited.FOR STAGE 2 (9X DBS POINT AWARDED)
For S$X local online spend, it will be $X x 9/5 = round down to nearest whole number S$25.80 x 9/5 = 46 DBS Points will be credited. So in total, S$25.80 will earn you 51 DBS Points (or 102 Miles) in total.How to Calculate for Overseas Transaction (in Foreign Currency)?
Let’s say I paid ¥158 on Taobao.com (via Web Browser) and I’m billed S$31.45 after conversion.
FOR STAGE 1 (3X DBS POINT AWARDED)
For S$X overseas online spend, it will be $X x 3/5 = round down to nearest whole number So, S$31.45 x 3/5 = 18 DBS Points will be credited.FOR STAGE 2 (7X DBS POINT AWARDED)
For S$X overseas online spend, it will be $X x 7/5 = round down to nearest whole number So, S$31.45 x 7/5 = 44 DBS Points will be credited. So in total, S$31.45 will earn you 62 DBS Points (or 124 Miles) in total.What Qualifies for 10X DBS Points? (Updated 1st Nov 2018)
At this point, you will be asking yourself:- Does this transaction qualify as an online spend?
- Is it considered a local or overseas transaction?
- Are payments made via PayPal considered?
QUALIFY FOR 10X DBS POINTS (LOCAL SPEND)
- Airbnb*
- Agoda*
- Booking.com*
- Changi Recommends*
- Expedia*
- Grab*
- GrabPay Credits*
- Guardian SG*
- Hotels.com (Singapore)*
- iShopChangi.com*
- Klook Singapore*
- Microsoft Online Store*
- Qoo10 SG*
- QuickBooks Online+
- RedMart*
- Singapore Airlines*
- Spotify+
QUALIFY FOR 10X DBS POINTS (OVERSEAS SPEND)
- Envato+
- Fotolia+
- Google Suite+
- Hootsuite+
- iTunes*
- Namecheap+
- Taobao*
- Upwork+
- Visualping+
DOES NOT QUALIFY FOR 10X DBS POINTS
- Amazon AWS
- ManageWP
- Vodien Webhosting
- All transactions excluded by Terms & Conditions
How About The Annual Fee?
The annual fee of S$192.60 is waived for the first year. For later years, you can easily have the credit card annual/late fee waived. If you have any questions about my DBS Woman’s Card review, let me know in the comments section below. And I’ll do my best to answer them!Reviewer: KC
Reviewed Item: DBS Woman’s World MasterCard
Author Rating: 5