Miles vs Cashback

DBS Woman's World Card

A Mastercard miles card built around online and overseas-online spend, with a strong but capped online earn rate.

Issuer
DBS
Network
Mastercard
Rewards
Miles
Annual fee
Annual fee, often waivable
Beginner-friendlyStrong overseas
Online shoppingOverseas spend

Pros

  • +Earns 4 miles per dollar (10X DBS Points) on online spend, one of the higher online miles rates in Singapore
  • +Online bonus applies to both local and foreign-currency online transactions, while base overseas in-store spend earns 1.2 mpd (3X DBS Points)
  • +First-year annual fee is waived, and the fee can otherwise be waived with S$25,000 of annual spend

Cons

  • −4 mpd bonus is capped at only S$1,000 per calendar month (cut from S$2,000 to S$1,500 in Mar 2024, then to S$1,000 in Aug 2025); spend above the cap earns just 0.4 mpd
  • −Base local non-online earn rate is a low 0.4 miles per dollar
  • −From 1 August 2026 DBS is removing the automatic annual-fee waiver, so the S$196.20 fee must be actively waived via spend or a call
  • −Overseas spend carries a foreign-currency fee of around 3.25%
Annual feeS$196.20as of 16 Jun 2026
Miles per $1 (local)0.4 mpdas of 16 Jun 2026
Miles per $1 (foreign)1.2 mpdas of 16 Jun 2026
Min. income (S'porean/PR)S$80,000/yras of 16 Jun 2026
Min. income (foreigner)S$80,000/yras of 16 Jun 2026

Eligibility: Minimum annual income of S$80,000 for both Singaporeans/PRs and foreigners, per DBS. Applicants must generally be aged 21 and above.

Who it’s for

The DBS Woman's World Card is a air miles card from DBS, best suited to people who spend on online shopping and overseas spend. It's beginner-friendly and strong for overseas spend. It carries an annual fee that can often be waived. Confirm the current terms before applying.

View official detailsAlways confirm the latest fees, rates and terms on the issuer’s site.

Sources

Last reviewed 16 Jun 2026.

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