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    DBS Woman's Card for Rewards: Yet to Get Reviews

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    The DBS Woman’s Card earns you reward points on online shopping. The key features of this card are:

    • 5 DBS Points or 10 miles per S$5 spent on online purchases.
    • 1 DBS Point or 2 miles per S$5 spent on all other purchases.
    • Other privileges in lifestyle, dining, entertainment, fashion, travel, fitness, beauty & wellness, etc.

    Best suited to: Women who love shopping online.

    Key Features

    Features Description
    Annual Fee S$160.50
    Rewards points on online purchases 5 DBS Points per S$5 spent
    Rewards points on all other purchases 1 DBS Points per S$5 spent
    Complimentary travel insurance NA

    Additional Benefits

    • DBS bank has promotional offers in many categories like dining, beauty & wellness, entertainment, fashion, and travel. These promotions are available throughout the year. In order to get the detailed information about promotions, check out our page on latest offers.
    • The annual fee is waived for one year. However, the fee can be waived for the second year as well if you charge your DBS Woman’s Card with a minimum of S$15,000 per year.

    Earning Rewards

    You get 5 DBS Points for each S$5 spent on online purchases and 1 DBS Point per S$5 spent on all other purchases. The online purchases refer to retail transactions such as purchase of goods and services via the internet. Transactions such as bill payments, payments to educational institutions, hospitals, insurance companies, etc. are not accepted to earn 5x DBS Points.

    For each S$5 online purchase, 1 DBS Point will be given on the next working day of the date the transaction is posted. The rest 4 DBS Points are applicable only to the initial S$1,000 spent on eligible online purchases each month. It will be given on day 16 of the next calendar month (if it is a holiday, the points will be awarded on the next working day).

    Let Us Illustrate:

    Here we take a look at how you could earn more points using this card, and how much those points will be worth when converted to miles.

    Spend category Monthly spend Points Earned Equivalent Miles
    Dining S$200 40 80
    Grocery S$1,000 200 400
    Online shopping S$500 500 1,000
    Other retail spends S$700 140 280
    Total S$2,400 880 1,760

    Redeem Earned Reward Points

    You can redeem your points for:

    • Vouchers: The redemption rate for vouchers depends on the value of the item you’re buying and the brand/store. For example, 3,200 DBS Points can give you CapitaMall Asia vouchers worth S$40, or Takashimaya Department Store voucher worth S$50.
    • Instant redemption: This can be done at specific participating merchants such as Circles.Life and Activpass.
    • Frequent Flyer Programmes: The conversion rate of points to miles is 1 DBS Point = 2 Miles. The key miles partners are Singapore Airlines/SilkAir Krisflyer Miles, Asia Miles, and Air Asia BIG Points. Redemptions can be done through online banking or by filling the specific redemption forms.

    Interest Rate

    Type of Interests Charge
    Retail Purchases 25.90% p.a.
    Cash Advance 28% p.a.
    Instalment Payment Plan 0% p.a.

    Fees & Charges

    Type of charge Charge
    Overseas Transaction Fee 2.8% of the purchase amount
    Late Payment Fee S$100 for outstanding balance of S$50.01 and above
    Over-limit Fee S$40
    Cash Advance Fee 6% per transaction or S$15 (whichever is greater)
    Supplementary Card Fee S$80.25 (fee waived for 1 year)

    Activating the Card for Overseas Use

    You must activate the magnetic stripe on your DBS Woman’s Card when you are travelling overseas. There are different ways to activate it:

    • DBS/POSB iBanking
    • SMS
    • Visit any DBS/POSB ATM

    You can also use the above ways to deactivate the magnetic stripe, once you come back. It is important to activate and deactivate the magnetic stripe, because it is not as secure as the EMV Chip technology used in Singapore.

    Instalment Payment Plans

    DBS Bank allows you pay your purchases in instalments through two plans – 0% IPP and My Preferred Payment Plan (MP3). While both the plans need a minimum transaction of S$500, the 0% IPP is only available at specific outlets and the My Preferred Payment Plan is available at non-participating merchants as well. Also, with the MP3 plan, you can combine up to 10 transactions to convert to instalments.

    The tenures available are 3, 6, 12, 18 and 24 months for both the plans. The processing fee and effective interest rate on MP3 are shown in the table below:

    Tenure Process Fee Effective rate of interest (p.a.)
    3 months 3% 18.18%
    6 months 3% 10.43%
    1 year 5% 9.50%
    18 months 6% 7.86%
    2 years 6% 5.98%

    Cash Withdrawn On Credit Card

    The cash withdrawal is subject to the availability of your credit limit. The maximum amount that you can withdraw from your credit card through DBS/POSB ATM is S$3,000 per day. You can also withdraw or transfer the amount from your credit card in these ways:

    • POSB/DBS ATMs
    • DBS or POSB branch
    • ATMs and banks showing Mastercard logo outside Singapore
    • Phone Banking or DBS Customer Care
    • iBanking

    Eligibility Criteria

    It is important to check the eligibility criteria to ensure that your application is not rejected. Find out whether you qualify for this card or not on this page.

    Card Is Lost/Stolen

    If you lose your credit card, you must inform DBS Bank immediately and also lodge a police complaint. You must provide the police complaint report to the bank. Once DBS is satisfied with the fact that you are not responsible for the loss of card, then your liability towards unauthorised transactions cannot exceed S$100.

    Most credit card issuers provide promotional offers with their credit cards, but customers often face difficulties when they have to find the best credit card offers. On Bankbazaar, you can get the details of all the latest offers easily on a single page.

    Credit Card Tips

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    What Else Do I Need to Know?

    How to Enable/Disable Auto Debit & Standing Instructions?

    Recurring Payment Form With the Bank/iBanking/Recurring Bill Payment Arrangement with Merchant

    To set up a standing instruction on your card for recurring payments, do one of the following:

    • Fill the recurring payment form and mail it to the bank.
    • Set up auto-debit through iBanking
    • Set up a recurring bill payment arrangement with a participating merchant directly.

    To cancel an auto-debit instruction, get in touch with your merchant directly.

    How to Apply for the Card & Check the Application Status?

    Through iBanking/Card & PIN/Online and Follow Up With the Bank

    You can apply:

    • With your iBanking credentials.
    • With a DBS card in your possession and PIN.
    • By filling out the online application form and uploading the supporting documents.

    You can check your card application status with your phone banking details. If you don’t have one yet, apply online.

    How to Check Balance?

    Through Digibank/Phone Banking/iBanking/SMS

    Check your current balance with one of the following:

    • SMS banking.
    • iBanking.
    • Digibank.
    • Phone banking.

    How Can the Bill Be Paid?

    Through VTM/ATM/Digibank/Cheque/SMS/GIRO/AXS/iBanking

    Your bill payment options are:

    • Interbank GIRO.
    • Video teller machines.
    • POSB/DBS ATM terminals.
    • SMS banking.
    • AXS terminals.
    • Crossed cheque.
    • iBanking.
    • Digibank.

    How Much is the Minimum Payment to Be Made on the Card?

    3% of the Outstanding Balance or Min S$50

    • You’ll be liable to pay at least 3% of your outstanding bill or S$50, whichever is higher.
    • You’re also liable to pay outstanding balance from your previous billing cycles and any amount exceeding your approved credit limit.

    What Is the Grace Period?

    20 Days

    You’ll enjoy an interest-free period of 20 days from the time of statement generation, provided you have settled outstanding bills from your previous billing cycles in full.

    Which Mobile Wallets Can This Card Be Used With?

    Google Pay/Samsung Pay/Apple Pay

    You can link your card with the following mobile wallets for making convenient and safe payments:

    • Google Pay: Link your card with this app and start paying at compatible contactless payment terminals.
    • Samsung Pay: Link your card to this app by scanning the card and adding relevant details, and start using it for contactless payment.
    • Apple Pay: Download the app from App Store, link your card to it, and start using it for payments at Apple-Pay-enabled POS terminals.

    Can It Be Used With EZ-Link?

    Yes

    To top up your EZ-Link card, you simply have to visit a DBS/POSB ATM and use your card to make the payment.

    How to Block or Unblock the Card?

    Online/Call Customer Service

    You can block or unblock your card online using your card details and PIN. You can also call Customer Service for the same.

    How to Reset the PIN?

    Online Form/Digibank/iBanking/VTM

    You PIN reset options are:

    • Online form.
    • Digibank.
    • iBanking.
    • Video teller machines.

    What Is the Billing Cycle and Bill Due Date?

    20 Calendar Days for Minimum Payment/1 Month for Full Payment (Can Start on Any Date)

    • You will have to make the minimum payment within 20 calendar days from when your statement is generated.
    • You will have to make the full payment within 1 month (when the next month’s bill is generated).

    How to Get a Replacement Card?

    Through iBanking/Customer Service Hotline/Card & PIN details/Online Form

    To request a replacement for your card, you will have to do one of the following:

    • Call the bank.
    • Use your iBanking credentials.
    • Use your card details and PIN.
    • Submit an online form.

    How to Temporarily Increase the Limit of Your Card?

    Online Form/iBanking

    You can request for a temporary increase of credit limit on your card through one of the following modes:

    • Online form.
    • iBanking account.

    The maximum credit limit granted is S$4,000 and under circumstances including wedding, travel, funeral and hospitalisation expenses.

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