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    DBS Woman's World Card for Rewards

    Credit Card Application

    The DBS Woman’s World Mastercard is a credit card that rewards you for spending on the things you love the most. As a card that knows what you want, it gives you up to 10x DBS Points for every S$5 you spend on it. Apart from this, the card also gives you a host of offers and benefits at hundreds of outlets in the country relating to beauty, wellness, travel, shopping, entertainment, and dining. Now spend as you want and earn as you spend. Pretty nice, we think.

    Key Features

    Features Description
    Rewards points on online purchases 10x DBS Points per S$5
    Rewards points on overseas purchases 3x DBS Points per S$5
    Rewards points on all other retail spends 1x DBS Points per S$5
    Complimentary travel insurance NA

    DBS Points Make Shopping a Better Experience

    This card gives you 10x DBS Points for every 5 dollars you spend on online shopping. Imagine that. Buying the things you want can actually reward you. So why pay through another mode of payment when you have an option like this? You also get 3x DBS Points for every S$5 you spend on overseas transactions. Whether you’re shopping when you’re abroad or buying online in foreign currency, you get these rewards. Every S$5 spent on every other purchase will earn you 1x Points.

    Buy More, Pay Less When You Shop for Beauty Products

    If you’re looking for beauty and wellness products or services, using this card can help you save money. For instance, ioma Paris is offering a 20% discount on their regular prices. They’re also giving you a sample kit valued at S$30 and a free skin diagnosis.

    Dining Gets Cheaper up to 20%

    Hanging out with your friends and family and checking out the local food scenes in Singapore becomes cheaper when you use this card to pay your dining bills. If you head to Sentosa, you can get discounts of up to 20% at the hotels and restaurants that are participating in this programme. You can also enjoy up to 15% discount at places like The Courtyard, Kinki Restaurant & Bar, Fat Cow, and many more.

    Update Your Wardrobe Courtesy of Fabulous Discounts

    Shop for the latest designs and styles at much lesser rates by making use of retail fashion offers that are available on this card. These include a 15% discount at Zalora if you spend at least S$100, and a 6% discount on your purchases at selected Reebonz outlets.

    Travel and Save Money

    If you are planning a holiday or have a business trip coming up in the near future, check out the travel offers on this credit card. You can use it to get 10% off on flight fares with Emirates. Book your hotel rooms through Hotels.com and get a discount of 8%. Booking hotels through Expedia can help you enjoy a discount of 10%. So, the next time you plan to travel, you may not have to spend as much as you usually do. A lot more fun for a lot less money is something we all would love.

    Additional Benefits

    • Enjoy promotional offers across multiple categories with your card. Visit our dedicated DBS promotions page to learn more about the latest promotional offers.
    • The annual fee is waived for one year. Charge a minimum of S$25,000 to get an annual fee waiver on your card for the subsequent years.

    Earn Rewards

    • Get 10 DBS Point for local online purchases. 1 DBS Point will be credited to your account on the next working day of the date on which the transaction is posted, while the remaining 9 DBS Points will be posted on the 16th day of the next calendar month (if it’s a holiday, points will be awarded on the next working day).
    • Get 10 DBS Points for eligible overseas online purchases. 3 DBS Points will be credited on the day after the transaction is recorded while the remaining 7 DBS Points will be posted on the 16th day of the next calendar month (if it’s a holiday, points will be awarded on the next business day).
    • Additional points will be awarded on eligible local and overseas online purchases only for the initial S$2,000 spent each month. Thereafter, points will be awarded at the regular rate.
    • 3 DBS Points will be awarded for eligible overseas transactions on the next working day of the date on which the transaction is recorded.

    Calculate Rewards Points from DBS Woman's World Card

    To table below shows the points and the equivalent miles earned per spend category for a sample monthly spend of S$2,100:

    Spend category Monthly spend Points earned Equivalent Miles
    Dining S$500 100 200
    Overseas purchase S$600 360 720
    Online Shopping S$500 1,000 2,000
    Other retail spends S$500 100 200
    Total S$2,100 1,560 3,120

    Redeem Earned Reward Points

    Redeem your DBS Points in one of the following ways:

    • Reward vouchers: The redemption rate depends on the value of the item.
    • Instant redemption: Redeem your points instantly at online partner merchants.
    • Frequent Flyer Programmes: Exchange 1 DBS Point for 2 air miles with DBS’s Frequent Flyer Programme. Points can be exchanged for:
      • Singapore Airlines Krisflyer Miles
      • AirAsia BIG Points
      • Asia Miles
      • Convert your points to miles in any one of the following ways:
        • Using iBanking.
        • By filling up and submitting the respective redemption forms.

    DBS Woman's World Card Interest Rate

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

    DBS Woman's World Card Fees & Charges

    Type of charge Charge
    Annual Fee S$192.60 (first year’s fee waived)
    Overseas Transaction Fee 2.8%
    Late Payment Fee S$100 for outstanding balance above S$50.01
    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

    • Yes, the magnetic stripe of your card has to be activated if you want to charge overseas retail transactions to your card.
    • It can be activated through one of the following channels:
      • Any DBS/POSB ATM.
      • DBS/POSB iBanking.
      • SMS Banking.

    Instalment Payment Plans Are Available

    The instalment payment plans available with this card are:

    1. 0% IPP:
      1. Split purchases of S$500 or more, at selected stores, into affordable monthly instalments.
      2. Spread your payment over 3 months, 6 months, 1 year, 18 months, or 2 years.
      3. A one-time processing fee will be charged.
    2. My Preferred Payment Plan (MP3):
      1. Split purchases of S$500 or more, at any store, into monthly instalments.
      2. Up to 10 transactions can be clubbed under a single plan.
      3. The tenures available are 3 months, 6 months, 12 months, 18 months, and 24 months.
      4. The processing fee and the effective interest rate for different tenures are mentioned in the table below:
    Tenure Processing 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

    • Withdraw cash from DBS/POSB ATMs with your card to meet your additional cash needs.
    • No more than S$3,000 can be withdrawn from ATMs per day.
    • You can withdraw cash via one of the following channels:
      • DBS or POSB branch
      • POSB/DBS ATMs
      • ATMs and banks showing Mastercard logo outside Singapore
      • iBanking
      • Phone Banking or DBS Customer Care

    Eligibility Criteria

    Before applying for this card, check the eligibility parameters on this page. This will help ensure that your application does not get rejected.

    Lost/Stolen Cards

    • Notify DBS immediately as soon as you detect the incident.
    • Lodge a formal police complaint and submit a copy of the same to the bank.
    • Write a letter to the bank confirming and detailing the incident, if required.
    • Your liability for unauthorised transactions on your card will be limited to S$100, provided:
      • You weren’t found to be complicit in the fraud.
      • You weren’t found to be grossly negligent in the handling of your card.
      • You have complied with the bank’s regulations and have cooperated with the bank during its investigation into the matter.

    More information on cards will help customers choose the right card for themselves. On Bankbazaar, you will find everything you need starting from card features to the promotions, and eligibility criteria to the process of applying for a card.

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    What Else Do I Need to Know?

    How to Enable/Disable Auto Debit & Standing Instructions

    Through GIRO

    • Log into internet banking or the digibank App to set up GIRO.
    • Once approved, your payments will be deducted and will reflect in your card account on the second working day from the day from the payment due date.

    Cancel this facility through the digibank App or a Video Teller Machine (VTM).

    How to Apply for the Card & Check the Application Status

    Apply Online and Follow Up Through Phone Banking

    To apply, you can:

    • Log in to your iBanking account.
    • With your DBS card and PIN.
    • Fill up the online application form, upload the scanned documents, and click on ‘Submit”.

    You can track your application status through phone banking. You can apply online for a phone banking account.

    How to Check Balance

    Through SMS or Phone Banking/Digibank/iBanking

    You can check your current balance with:

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

    How Can the Bill Be Paid

    Through GIRO/ATMs/VTMs/SMS Banking/Digibank/iBanking/Cheque

    You can pay your bills through any of the following ways:

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

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

    3% of the Outstanding Balance or Min S$50

    The minimum amount you need to pay every month is 3% of the outstanding balance plus any balance from your previous billing cycles or S$50, whichever is higher. You are also liable to pay the amount exceeding your credit limit.

    What Is the Grace Period

    20 Days

    The interest-free period you can enjoy is 20 days from the date of your statement account. This grace period is provided only if you have paid outstanding bills in full.

    Which Mobile Wallets Can This Card Be Used With

    Google Pay/Samsung Pay/Apple Pay

    Your credit card can be linked with the following mobile wallets:

    • Samsung Pay.
    • Google Pay.
    • Apple Pay.

    Can It Be Used With EZ-Link

    Yes

    • Your card can be used to top-up your EZ-Link card.
    • Simply go to a DBS/POSB ATM and use your credit card to make the payment.

    How to Block or Unblock the Card

    Online Through Card and PIN/Call Customer Service Hotline

    • In case of loss or theft of card, you can block your credit card online by using your card number and PIN.
    • Alternatively, you can choose to call the customer service helpline to block or unblock your card.

    How to Reset the PIN

    Through Online Form/iBanking/Digibank/VTMs

    You can reset your credit card PIN through:

    • Submitting an online form.
    • iBanking.
    • Digibank.
    • Video teller machines.

    What Is the Billing Cycle and Bill Due Date

    1 Month (Can Start on Any Date)

    The billing cycle will be different for different customers. You billing cycle can commence from the date your card was approved or on a monthly basis. The due date is the date by which you must pay the outstanding balance. This date will be mentioned in your statement.

    How to Get a Replacement Card

    Online Through Card and PIN/iBanking/Contact the Bank

    To apply for a card replacement, you can:

    • Contact DBS.
    • Sign-in to your iBanking account.
    • Use your credit card details and PIN.

    How to Temporarily Increase the Limit of Your Card

    Online Form/iBanking

    You can request for a temporary increase in your credit limit either through an online form or your iBanking account. This service is available only under special circumstances like travel and wedding arrangements and hospitalisation, among others.

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