- Online spenders who spends above $210 per month ~ $2,500 annually (to meet the redemption of 5,000 DBS points within a year before they expire)
- Online spenders who spends within monthly limit of $2,000
- Almost everyone whose income is greater than $30,000 (although stated income requirement is $80,000)
- Essentially everyone who spends online
[Application and Approvals]
Fairly quick application online via the DBS digibank app. This card is not only for Women, and income requirement of 80k is not adhered to strictly. An annual income above 30k should suffice. The physical card was received within a week.
A very good 4mpd card for all online spend in SGD - quite an compared to the Citi Rewards card whereby some online spend are excluded from 4mpd. The calendar monthly limit of $2,000 is also the highest in the market for such bonus miles for online spend.
Points earned from this card will expire within a year, and redemption has to be done in blocks of 5,000 points. So if you are spending more than $210 a month for online spending, you should be able to hit this limit fairly easily.
Bonus is that the points earned on WWMC can be pooled with other cards, hence many will pair this with the Altitude card (whose miles don't expire and 2 free lounge visits per year).
Miles may be difficult to calculate and track by hand, but with an excel sheet, you shouldn't face too much of an issue. For every $5 spent, you will receive a base 1 DBS point when the transaction is clocked and 9 bonus DBS points on the 16th of the following month (1 point = 2 miles). While the 1 point is broken down for every transaction, the 9 points are pooled together on a monthly basis.
If there are any discrepancies, the customer service has been quite prompt to respond. So far there hasn't been too much discrepancies for my case - sometimes more miles are given and sometimes less miles. Difference about plus minus 2%.
Topup to mobile wallets are a "your mileage may vary" for most people. For example, Grabpay topups work for some in that the x9 bonus points are awarded but not for the base x1 points. So it differs case to case.
Pair this with Multiplier account to clock the credit card transactions, and hence achieve higher stepped interest rates.
Done via the digibank app so fairly easy with a DBS account.
Yet to request any fee waivers, but most users don't seem to have any issues. DBS tend to be very generous with their waivers for my other cards as well.
DBS points do expire within a year, so do remember to redeem them. One-time conversion fee of $26.75 to airline partners.