{"id":8038,"date":"2024-01-16T10:13:28","date_gmt":"2024-01-16T10:13:28","guid":{"rendered":"https:\/\/www.areyouready.sg\/?p=8038"},"modified":"2024-02-14T04:18:28","modified_gmt":"2024-02-14T04:18:28","slug":"review-dbs-womans-world-card-singapore","status":"publish","type":"post","link":"https:\/\/www.areyouready.sg\/review-dbs-womans-world-card-singapore\/","title":{"rendered":"Review: DBS Woman’s World Card\u00a0Singapore"},"content":{"rendered":"\n
In examining the DBS Woman’s World Card, we uncover a credit facility tailored to maximise the potential of every dollar spent, especially for those who frequently engage in online transactions. Renowned for its impressive rewards program, the card is designed not only for women as the name suggests, but is available for application by men as well. Offering a raft of benefits, such as an attractive air mile conversion rate and a rich online spend rewards system, the card positions itself as a frontrunner in the competitive world of credit card rewards.<\/p>\n\n\n\n
Understanding the financial tools we utilize is crucial to making informed decisions, and thus, a close look at the DBS Woman’s World Card illuminates its strategic value in the personal finance arsenal. As we traverse through the card’s features and offerings, it becomes evident that one may leverage this card to accrue substantial rewards without compromising on security or incurring excessive fees. The eligibility criteria and application process are streamlined, ensuring accessibility to a wide base of users.<\/p>\n\n\n\n Here are some of our top picks on:<\/p>\n\n\n\n The DBS Woman’s World Card is marketed as a gender-neutral credit card despite its name, and we recognize it as a valuable asset for any cardholder looking for rewards on their spending. With this card, we can earn a substantial amount of reward points, particularly from online purchases.<\/p>\n\n\n\n Card Features:<\/strong><\/p>\n\n\n\n Let us examine the rewards structure<\/em> more closely. For the first S$2,000 of online expenditure each month, the card offers an impressive 4 mpd. Beyond this cap, other purchases earn rewards at a different rate.<\/p>\n\n\n\n Eligibility:<\/strong><\/p>\n\n\n\n We must note that this card is accessible to both men and women, despite any implications the name may have. The DBS Woman’s World Card presents itself as a competitive option for anyone aiming to maximize their rewards, especially through online shopping. Understanding the card’s benefits and requirements helps us make an informed decision on whether it aligns with our spending habits and financial goals.<\/p>\n\n\n\n In this section, we provide clear guidance on how interested individuals can apply for the DBS Woman’s World Card. We cover the specific requirements applicants need to meet, the steps they should follow to apply, and the documents that are necessary to complete the application process.<\/p>\n\n\n\n For Salaried Employees<\/strong>:<\/p>\n\n\n\n For Self-Employed \/ Commission-based Employees<\/strong>:<\/p>\n\n\n\n For Foreigners<\/strong>:<\/p>\n\n\n\n We find that the DBS Woman’s World Card in Singapore offers a competitive range of rewards and benefits that cater to both travel enthusiasts and those who enjoy lifestyle perks. Here, we break down the miles accrual rates, the bonus points system, and the lifestyle benefits associated with the card.<\/p>\n\n\n\n The DBS Woman’s World Card allows us to accrue airline miles at different rates depending on the spending category:<\/p>\n\n\n\n The DBS Woman’s World Card features a bonus points system that heavily favours online spending:<\/p>\n\n\n\n In addition to the points and miles we can accumulate, this card also comes with lifestyle benefits which include:<\/p>\n\n\n\n When considering the DBS Woman’s World Card, we need to examine the various fees associated with it, which include annual fees, applicable interest rates for balances carried over, and charges on foreign transactions.<\/p>\n\n\n\n The annual interest rate for the DBS Woman’s World Card is pegged at 26.80%<\/strong>, which applies to the outstanding balance if full payment is not made by the due date.<\/p>\n\n\n\n For transactions made in foreign currencies (FCY), card members are charged a foreign transaction fee of 3.25%<\/strong>. This fee is added on top of the converted amount in Singapore Dollars.<\/p>\n\n\n\n In this section, we’ll guide you through maximizing the benefits of the DBS Woman’s World Card, focusing on online transactions, overseas spending, and merchant partnerships.<\/p>\n\n\n\n When using the DBS Woman’s World Card for online purchases, cardholders are rewarded handsomely. For every S$5 spent online, you earn 10 DBS Points<\/strong>, which equates to 4 miles for every S$1 spent online, up to the first S$2,000 each month. It’s important to note that subsequent online expenditures beyond this cap will accrue points at the standard rate.<\/p>\n\n\n\n For expenses incurred overseas, the DBS Woman’s World Card also offers an elevated earning rate. You will accumulate 3 DBS Points<\/strong> for every S$5 of foreign currency (FCY) spent, translating to 1.2 miles per S$1. Be mindful that a foreign currency transaction fee of 3.25% applies, which should be factored into the cost-benefit analysis of using the card abroad.<\/p>\n\n\n\n The DBS Woman’s World Card offers additional perks through partnerships with a variety of merchants. These partnerships often entail special promotions, discounts, or enhanced rewards when using the card at participating outlets. Keep an eye on updated lists of merchant ties to ensure you don’t miss out on offers.<\/p>\n\n\n\n When we assess the DBS Woman’s World Card, it’s crucial to evaluate its features against other credit cards in the market to understand its positioning.<\/p>\n\n\n\n The DBS Woman’s World Card offers a high earn rate for online purchases which stands at 4 miles per dollar, capped at S$2,000 spend per month. This is a competitive rate among cards focusing on online shopping rewards.<\/p>\n\n\n\n In contrast, other credit cards like the Citi Rewards Card also provide 4 miles per dollar<\/em> on online spend but have a lower monthly cap of S$1,000. The UOB Preferred Platinum Visa Card, meanwhile, offers 4 miles per dollar on online and contactless spend but has an even lower cap of S$480 per month.<\/p>\n\n\n\n Here’s a brief comparison:<\/p>\n\n\n\n The annual fees<\/strong> also differentiate the cards. Our DBS Woman’s World Card comes with an annual fee of S$192.60 which is waivable with a specified annual spend, akin to the Citi Rewards Card but higher than the UOB Preferred Platinum Visa Card.<\/p>\n\n\n\n Our reward points do not expire, a competitive advantage as some other cards require points redemption within a specific period.<\/p>\n\n\n\n In terms of extra perks, while we offer rewards like lifestyle and wellness benefits which are tailored particularly to women, other cards may offer broader but less targeted perks. This distinct positioning can make the DBS Woman’s World Card particularly appealing to specific user segments.<\/p>\n\n\n\n When assessing the DBS Woman’s World Card, we’ve gathered insights from numerous customers to paint a realistic picture of their experiences. Here, we summarize these accounts using direct formatting to clarify the key takeaways.<\/p>\n\n\n\n Usage Flexibility:<\/strong><\/p>\n\n\n\n Rewards Satisfaction:<\/strong><\/p>\n\n\n\n Sign-Up Perks:<\/strong><\/p>\n\n\n\n Table 1: Customer Feedback Summary<\/em><\/p>\n\n\n\n We dispense with overstatements and stick to facts; our research has shown the DBS Woman’s World Card to be a well-regarded choice among a broad customer base, with special accolades for its rewards program and the initial offerings to new cardholders.<\/p>\n\n\n\n We understand the importance of security for our cardholders. The DBS Woman’s World Card incorporates robust measures designed to protect against fraud and provide efficient card replacement services.<\/p>\n\n\n\n Our DBS Woman’s World Card offers a comprehensive fraud protection<\/strong> system designed to shield cardholders from unauthorized transactions. In the event of suspicious activity, our monitoring system will:<\/p>\n\n\n\n We actively work to detect and respond to fraud swiftly, ensuring our cardholders’ finances are secure.<\/p>\n\n\n\n In case of loss or theft, our card replacement services<\/strong> are swift and efficient, minimizing inconvenience. When our cardholders report a lost or stolen card, we immediately take the following steps:<\/p>\n\n\n\n We aim for a quick turnaround to ensure our cardholders have uninterrupted access to their account.<\/p>\n","protected":false},"excerpt":{"rendered":" In examining the DBS Woman’s World Card, we uncover a credit facility tailored to maximise the potential of every dollar spent, especially for those who frequently engage in online transactions. Renowned for its impressive rewards program, the card is designed not only for women as the name suggests, but is available for application by men […]<\/p>\n","protected":false},"author":3,"featured_media":8120,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[250],"tags":[308,311,309,310],"_links":{"self":[{"href":"https:\/\/www.areyouready.sg\/wp-json\/wp\/v2\/posts\/8038"}],"collection":[{"href":"https:\/\/www.areyouready.sg\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.areyouready.sg\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.areyouready.sg\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.areyouready.sg\/wp-json\/wp\/v2\/comments?post=8038"}],"version-history":[{"count":3,"href":"https:\/\/www.areyouready.sg\/wp-json\/wp\/v2\/posts\/8038\/revisions"}],"predecessor-version":[{"id":8246,"href":"https:\/\/www.areyouready.sg\/wp-json\/wp\/v2\/posts\/8038\/revisions\/8246"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.areyouready.sg\/wp-json\/wp\/v2\/media\/8120"}],"wp:attachment":[{"href":"https:\/\/www.areyouready.sg\/wp-json\/wp\/v2\/media?parent=8038"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.areyouready.sg\/wp-json\/wp\/v2\/categories?post=8038"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.areyouready.sg\/wp-json\/wp\/v2\/tags?post=8038"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}Key Takeaways<\/h3>\n\n\n\n
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Overview of DBS Woman’s World Card<\/h2>\n\n\n\n
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Criterion<\/th> Requirement<\/th><\/tr><\/thead> Age<\/td> 21 years and above<\/td><\/tr> Income<\/td> Minimum of S$80,000 p.a.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n Card Eligibility and Application Process<\/h2>\n\n\n\n
Eligibility Criteria<\/h3>\n\n\n\n
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Application Procedure<\/h3>\n\n\n\n
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Required Documents<\/h3>\n\n\n\n
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Rewards and Benefits<\/h2>\n\n\n\n
Miles Accrual Rates<\/h3>\n\n\n\n
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Bonus Points System<\/h3>\n\n\n\n
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Lifestyle Benefits<\/h3>\n\n\n\n
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Understanding the Fees<\/h2>\n\n\n\n
Annual Fees<\/h3>\n\n\n\n
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Interest Rates<\/h3>\n\n\n\n
Foreign Transaction Fees<\/h3>\n\n\n\n
Card Usage Guide<\/h2>\n\n\n\n
Online Transactions<\/h3>\n\n\n\n
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Overseas Spending<\/h3>\n\n\n\n
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Merchant Partnerships<\/h3>\n\n\n\n
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Comparison with Other Credit Cards<\/h2>\n\n\n\n
Credit Card<\/th> Earn Rate (Online Purchases)<\/em><\/th> Monthly Cap for Max Earn Rate<\/th><\/tr><\/thead> DBS Woman’s World Card<\/strong><\/td> 4 miles\/dollar<\/em><\/td> S$2,000<\/td><\/tr> Citi Rewards Card<\/td> 4 miles\/dollar<\/em><\/td> S$1,000<\/td><\/tr> UOB Preferred Platinum Visa Card<\/td> 4 miles\/dollar<\/em><\/td> S$480<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n Customer Experiences<\/h2>\n\n\n\n
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Category<\/th> Positive Feedback<\/th> Negative Feedback<\/th><\/tr><\/thead> Online Spending Rewards<\/td> High mile-earning potential<\/td> Monthly cap on earnings<\/td><\/tr> Redemption Flexibility<\/td> Diverse options, including miles and tech<\/td> Limited to certain categories<\/td><\/tr> Initial Perks<\/td> No annual fee in the first year<\/td> Annual fee post-first year<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n Security Features<\/h2>\n\n\n\n
Fraud Protection<\/h3>\n\n\n\n
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Card Replacement Services<\/h3>\n\n\n\n
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