Demo — invented data, read-only. Nothing here is anyone’s real spending.
RewardsMaxx

DBS Woman's World Card

dbs · KrisFlyermiles

How it earns

4.00 mpd Online spend, overseas
online-overseas
Capped at S$1,000.00 of spend per statement cycle · then falls to 1.20 mpd
4.00 mpd Online spend, local
online-local
Capped at S$1,000.00 of spend per statement cycle · then falls to 0.40 mpd
1.20 mpd Overseas spend in store
overseas
Uncapped
0.40 mpd Everything else
base
Uncapped

Mechanics that decide real outcomes

Period basis
statement cycle
Bins by
transaction date
Accrual
S$5.00 blocks, floor, per transaction
Settlement
points balance
Credit lag
one cycle
Native unit
DBS Points → 2.00 miles each
Conversion
S$27.25 per 5,000 units
Expiry
12 months

Blocks are per transaction — a S$4.99 purchase earns nothing at all.

Exclusions

excluded mcc
57 MCCs: 0763, 4784, 4829, 4900, 5047, 5199, 5960, 5993…
excluded merchant
^AXS ^SAM ^EZ-?LINK ^TRANSIT ?3 ^PAYPAL
not a purchase
non-purchase transactions

Terms and sources

Official terms and conditions ↗
  • tiers[online-local].rate_milli_per_dollarissuerdbs.com.sg ↗read 2026-07-27
    “Base Rewards - All Spend 1X DBS Point for every S$5 spend; Bonus Rewards - Overseas Spend Additional 2X DBS Points; Bonus Rewards - Online Spend Additional 9X DBS Points for local spend, Additional 7X DBS Points for overseas spend.”
  • tiers[online-local].cap.qualifying_spend_centsissuerdbs.com.sg ↗read 2026-07-27
    “Online spend will be accumulated for the month and awarded bonus points in the following calendar month, capped at the first S$1,000 of online spend per calendar month.”
  • accrual.block_centsissuerdbs.com.sg ↗read 2026-07-27
    “Bonus DBS Points are calculated based on the total transaction amount after accumulation for the calendar month divided by S$5 and multiplied by 7 DBS Points for overseas spend or 9 DBS Points for local spend, rounded down to the nearest whole number.”
  • tiers[online-local].cap.qualifying_spend_centscommentarymilelion.com ↗read 2026-07-27
    “The bonus cap used to be S$2,000 per calendar month, but was cut to S$1,500 in March 2024, and then S$1,000 in August 2025.”

Notes

HOW IT EARNS
- 10X (4 mpd) on online spend, local or overseas, sharing ONE S$1,000 monthly
  allowance via `cap_group: online`.
- Overseas in store 1.2 mpd. Everything else 0.4 mpd.

WATCH OUT
- The bonus is credited LATE — clause 19a says by the end of the FOLLOWING
  calendar month. The engine awards it at transaction time, so a freshly
  printed statement will disagree until it lands.
- `statement_figure: credited`: DBS prints a balance MOVEMENT, not what the
  cycle earned.
- A DBS statement prints no channel at all, so online spend has to be
  inferred or back-solved from the printed total. This wallet's card is set
  to assume `online` for UNRECONCILED rows only — app screenshots of the
  current cycle, which nothing else can speak for. The assumption is taken
  back off each row the moment a statement supersedes it, so the printed DBS
  Points still decide every cycle the canary checks.

NOT MODELLED
- native_to_family (2 miles per DBS Point), conversion fee/block and the
  12-month expiry are all from secondary sources.
- Table 2 of the T&C lists ~100 named merchant strings (crypto exchanges,
  payment processors); only the common Singapore ones are transcribed.

EVIDENCE
- Six of seven cycles agree, three exactly: Feb 0%, Mar 0%, May -0%,
  Jun -5%, Jul +1%, Apr +10%. January is structural — its statement covers
  28 Dec to 27 Jan and the earliest row imported is 22 January.
RewardsMaxx