Card review

DBS Woman's World Card (WWMC) review (2026)

DBS Woman's World Card card art

Yes, anyone can apply. The classic online card with one killer feature: flights and hotels count toward its 4 mpd, which Citi Rewards famously excludes. That makes it our default online card for beginners. Just convert your points every year — they expire fast.

DBSMASTERCARDS$196.20/yr, first year freeMin income S$80k (World tier)0.4 mpd elsewhere
Apply nowOpens DBS's official page

Great for

Online ShoppingTravel BookingsOffline spendPoint hoarders

Use it for

4mpd

on online spend — including flights and hotels

Capped at S$1,000/calendar month
The travel coverage is the reason to hold this alongside Citi Rewards.

Watch out for

  • DBS Points on this card expire after just 1 year — set a reminder to convert them to miles.
  • The 4 mpd cap was cut to S$1,000/calendar month in Aug 2025 — spend above that earns 0.4 mpd.
  • Points accrue per S$5 block — a S$4.99 transaction earns nothing.
  • Offline spend earns base rate. This card lives in your phone for online checkout, not in your wallet.

Other cards to compare

Citi Rewards card artCiti RewardsThe default first card: 4 mpd on nearly everything online.Read review →HSBC Revolution card artHSBC RevolutionPermanent 4 mpd online + contactless, no annual fee ever.Read review →UOB Lady's Card card artUOB Lady's CardA clean 4 mpd on one category you choose.Read review →

DBS Woman's World Card FAQs

Can men apply for the DBS Woman's World Card?

Yes — despite the name, anyone can apply. Make sure you get the World Mastercard version; the plain Woman's Card earns only 2 mpd.

When do DBS Points on this card expire?

After just one year — the shortest expiry of any 4 mpd card. Set a reminder and convert to miles regularly.

Does travel count toward the 4 mpd online bonus?

Yes — flights, hotels and most OTAs earn the full 4 mpd. That's this card's key advantage over Citi Rewards, which excludes travel.

Where this card wins

Best miles cards for online shoppingWhere most of your spend already happens — and where 4 mpd is easiest to earn.See our pick →Best miles cards for travel bookingsFlights, hotels and OTAs — where the wrong card quietly earns 10× less.See our pick →

Last updated 4 July 2026. Earn rates and caps change — confirm details on the bank's site before applying. Spot an outdated rate?