Flash Deal: Get up to 28% off all hotels in Southeast Asia with AirAsia

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income: S$80,000 (not strict)
Annual fee: S$196.20 (first year waived; request waiver every year)

 Earn 4 mpd on online spending, up to S$1,000 per calendar month
 No minimum spending

⚠️ 0.4 mpd earn rate on non-bonus spending
⚠️ 1-year miles expiry term
⚠️ Only 3 useful miles transfer partners
⚠️ 3.25% foreign transaction fee

📄 Quick review

More information on the

DBS Woman’s World Card

Suitesmile rating:

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✍️ Short summary
This card, which is also available to men, gives you a strong earn rate of 4 miles per dollar on online spending, up to S$1,000 per calendar month, with no minimum spending requirement. This covers a wide range of spending categories like online shopping, flights, hotels, food delivery and ride-hailing.

The biggest drawback of this card is its short points expiry term of just 1 year. Cardholders should set yearly reminders to transfer out the points before they expire.

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💸 Annual fee
S$196.20
(First year waived, always request for a waiver after that)

💼 Income requirement
S$80,000/year
(Not strict. Many readers with lower income have reported that you can get an approval by applying without SingPass, then entering an annual income above S$80k, before uploading your actual proof of income that is under S$80k.)

🤑 Foreign currency fee
3.25%

⏰ Miles expiry
1 year from transaction

🫱‍🫲 Transfer partners
KrisFlyer, Asia Miles, Qantas Frequent Flyer

💯 Transfer ratio
1 point = 2 miles

🧮 Transfer block
5,000 points (10,000 miles)

💲Transfer fee
S$27.25 per transfer

🤗 Points pooling
Points from this card can be combined with those from other DBS cards and transferred out together at once.

❓How/When points are credited
Earn 1 base point per S$5 spent, plus 9 bonus points for eligible online transactions (equivalent to 4 mpd in total). Base points are credited immediately when the transaction is posted, while bonus points are credited around the middle of the following calendar month.

📜 Terms & conditions

🎁 Sign-up promo

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income:• S’porean/PR: S$30,000 – S$65,000 ^{Income requirement depends on your Total Relationship Balance (TRB) with HSBC. S$30,000/year if TRB is S$50,000 and above; S$65,000/year if TRB is below S$50,000.}
• Foreigner: S$65,000Annual fee: No annual fee, ever

 Earn 4 mpd on selected contactless and online spending, up to S$1,000 per calendar month ^{Earn 4 mpd on contactless and online transactions, on a wide range of spending categories like retail shopping (online and in-person), dining, flights (direct with airlines only), hotels (excl. online travel agencies like Agoda, Trip.com etc.), food delivery and ride-hailing.}
 Boost bonus earn rate to 8 mpd (up to S$1,200 per calendar month) with a minimum deposit of S$50,000 ^{HSBC customers with a minimum deposit of S$50,000 in the HSBC Everyday Global Account can enjoy an earn rate of 8 mpd (instead of 4 mpd) on selected contactless and online spending.}
 No minimum spending
 3-year miles expiry term
 7 useful miles transfer partners
 Free miles transfers to frequent flyer programs
 Instant miles transfers
 No annual fee, ever

⚠️ 0.4 mpd earn rate on non-bonus spending
⚠️ Poor transfer ratio to KrisFlyer ^{Due to inferior transfer ratio, if/when the points earned on this card are converted to KrisFlyer miles, the bonus earn rate would effectively be 3.3 mpd, instead of 4 mpd.}
⚠️ Bonus categories are MCC-sensitive
⚠️ 3.25% foreign transaction fee