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DBS WOMAN'S WORLD MASTERCARD

•••• 3610

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Last upload 12 Aug · statementLast transaction 10 Aug

DBS Points

649

Earned this cycle

⇄ 1,298 mi

Balance 6,982 DBS Points

This cycle

14 days left

29 Jul – 28 Augstatement · monthly · by transaction date

Spend

S$326.76

Qualifying

S$326.76

Earned

1,298 mi

Transactions

Left to ceiling

S$673.24

Bonus cap · online spendS$326.76 of S$1,000.00

S$8.52 fell short of a whole earning block and earned nothing.

Every cycle so far

Earned (DBS Points)

7,898

Worth (miles)

15,796

Blended rate

1.56 mpd

Spend

S$10,138.64

Cycles

Lost to rounding

S$152.41

Blended rate divides by every dollar spent, including the S$152.41 that fell inside part-used S$5.00 blocks and earned nothing. That is what makes it the figure to compare cards on: it is what this card returned on everything you put through it.

S$2,547.16 of spend has no known payment method — 25% of the total. This card's bonus depends on HOW you paid, and statements never print that, so those rows earn the base rate here. Set the method on a transaction below and tick “remember” to fix every future one from that merchant. It is left blank rather than guessed: calling an in-store tap a mobile payment would invent a rate you never earned.

S$152.41 of spend fell inside partial S$5.00 blocks and earned nothing — 171 miles at the rate each remainder actually lost. The bonus is rounded once for the whole cycle on this card, so a remainder left inside a transaction loses only the base rate — it still counts toward the cycle's bonus. It is the single remainder at the end of the cycle that costs the bonus, which is why this is worth less than the same spend at the card's headline rate.

Average S$817.66 over 12 cycles, excluding the cycle still running

Online spend, local · 4.00 mpd35%
Online spend, overseas · 4.00 mpd3%
Everything else · 0.40 mpd14%
Earned nothing48%

Cycle	Spend	Statement · DBS Points	Total rewards · miles	Highest tier	Rate	Wasted
29 Jul – 28 Aug	S$326.76	649 *	1,298	100%	3.97 mpd	—
29 Jun – 28 Jul	S$1,083.13	1,032	4,098	94%	3.78 mpd	S$59.87
29 May – 28 Jun	S$1,731.70	508	1,736	25%	1.00 mpd	S$1,292.43
29 Apr – 28 May	S$418.72	1,883	936	57%	2.24 mpd	S$179.27
29 Mar – 28 Apr	S$1,588.31	438	4,246	65%	2.67 mpd	S$557.94
1 Mar – 28 Mar	S$264.82	1,015	338	34%	1.28 mpd	S$173.76
29 Jan – 28 Feb	S$559.64	111	2,220	100%	3.97 mpd	—
29 Dec – 28 Jan	S$357.79	0	0	0%	0.00 mpd	S$357.79
29 Nov – 28 Dec	S$1,073.44	0	0	0%	0.00 mpd	S$1,073.44
29 Oct – 28 Nov	S$247.07	20	40	0%	0.16 mpd	S$247.07
29 Sep – 28 Oct	S$99.94	19	38	0%	0.38 mpd	S$99.94
29 Aug – 28 Sep	S$1,184.73	393	282	0%	0.24 mpd	S$1,184.73
29 Jul – 28 Aug	S$1,202.59	30	564	12%	0.47 mpd	S$1,057.89

Rate is total rewards over every dollar spent, so it moves with the “earned on” column rather than because the card changed. The Statement column covers a different period from the rest of its row. DBS credits the bonus a month late, so what it printed for a cycle is that cycle's base plus the previous month's bonus. Every other column here is about the spend beside it, which is why a row can show DBS Points the statement has not paid yet — and why dividing the printed figure by this cycle's spend produced 9.07 mpd on a card that pays at most 4.00. The two reconcile per cycle in the panel below. A figure marked * has no statement yet and is what we compute.

Where this cycle went

online_shopping88%
healthcare12%

Spend, last six months

Average S$1,017.34 over 5 months, excluding the month still running

Transactions

MCC marked ≈ is inferred from the merchant name rather than supplied by the bank. “≈ unused” means the inference was not confident enough to unlock a bonus, and “✓ yours” is one you recorded.

Record an MCC for a merchant

If your bank's app shows the real MCC, put it here. It outranks any inference but never the code the bank printed on the statement.

remember for this merchant

WELLSPRING CHEMISTS$46.73
10 Augonline_shopping5122online◷ pendingunreconciled
9 DBS Points0.19/$online-local▸▾
LIM CHEE GUANS$239.59
6 Augonline_shopping5499 ✓onlineunreconciled
47 DBS Points0.20/$online-local▸▾
AMR HAIR & BEAUTYS$40.44
5 Aughealthcare7298onlineunreconciled
8 DBS Points0.20/$online-local▸▾
AUTO ANNUAL FEE REVERSAL+S$242.20
28 Julotheronlineearlier · 29 Jununreconcilednot_a_purchase
0 DBS Points▸▾
GST REVERSAL+S$19.10
28 Julotheronlineearlier · 29 Jununreconciledrefund
0 DBS Points▸▾
GST @ 9%S$21.67
28 Julotheronlineearlier · 29 Jununreconcilednot_a_purchase
0 DBS Points▸▾
ANNUAL FEES$224.08
28 Julotheronlineearlier · 29 Jununreconcilednot_a_purchase
0 DBS Points▸▾
BYTEHAUSS$415.16
25 Julstreaming5045 ✓onlineearlier · 29 Jun
82 DBS Points0.20/$online-local → base▸▾
AUTOPAY AC+S$1,989.21
23 Julotherearlier · 29 Junnot_a_purchase
0 DBS Points▸▾
BEER FORCES$168.30
13 Julstreaming5734 ✓onlinefcyearlier · 29 Jun
33 DBS Points0.20/$online-overseas▸▾
AMR HAIR & BEAUTYS$28.97
5 Julhealthcare7298 ✓onlineearlier · 29 Jun
5 DBS Points0.17/$online-local▸▾
TK TRICHOKARE 12MS$12.03
2 Julbeauty_wellness7230onlineearlier · 29 Jun
2 DBS Points0.17/$online-local▸▾
KINDER CLINICS$435.41
1 Julhealthcare8071 ✓onlineearlier · 29 Jun
87 DBS Points0.20/$online-local▸▾
BEER FORCES$23.26
29 Junstreaming5734 ✓onlinefcyearlier · 29 Jun
4 DBS Points0.17/$online-overseas▸▾
PERMATAS$8.63
27 Junstreaming7999 ✓onlineearlier · 29 May
1 DBS Points0.12/$online-local▸▾
BYTEHAUSS$207.57
25 Junstreaming5045 ✓onlineearlier · 29 May
41 DBS Points0.20/$online-local▸▾
AUTOPAY AC+S$804.46
22 Junotherearlier · 29 Maynot_a_purchase
0 DBS Points▸▾
WELLSPRING CHEMISTS$76.80
21 Junonline_shopping5122 ✓onlineearlier · 29 May
15 DBS Points0.20/$online-local▸▾
BYTEHAUSS$118.82
13 Junstreaming5045 ✓onlineearlier · 29 May
23 DBS Points0.19/$online-local▸▾
AMR HAIR & BEAUTYS$27.45
5 Junhealthcare7298 ✓onlineearlier · 29 May
5 DBS Points0.18/$online-local▸▾

Card facts

Counted by	Transaction date — the day you paid, not the day it posted	Cycle	Statement month, monthly — but the bonus cap refills on the 1st, per calendar month
Bonus credited	The month AFTER it is earned, so a statement shows this cycle's base points beside the previous month's bonus	Income Req.	S$80,000 p.a.
Points Validity	1 year	Annual Fee	S$196.20 (first year free)
Min. Transfer	5,000 DBS Points (10,000 miles)	Miles with Annual Fee	None
Transfer Partners	4	FCY Fee	3.25%
Transfer Fee	S$27.25 per transfer, or S$43.60 a year	Local Earn	0.4 mpd
Points Pool?	Yes	FCY Earn	1.2 mpd
Lounge Access?	No	Special Earn	4 mpd on online transactions*
Airport Limo?	No

* Bonus capped at the first S$1,000 of online spend per calendar month, counted on transaction date.

How this card earns

Tier	Rate	Cap
Online spend, overseas	4.00 mpd	S$1,000.00 of spend
Online spend, local	4.00 mpd	S$1,000.00 of spend
Overseas spend in store	1.20 mpd	uncapped
Everything else	0.40 mpd	uncapped

DBS Points → miles · 5,000 minimum transfer · S$27.25 fee · expires after 12 months

Rule notes and caveats

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.

Product

Cardholders: JORDAN LEE WEI MING, JORDAN LEE WEI MING

Approved oni

Not printed on a statement. Yours first appears on the statement to 27 Aug, so it was approved on or before then.Leave it blank if you are not sure. A wrong date is worse than none — an expiry predicted from a guess would read as fact.

Usually paid by

Neither statements nor most app screens print how a payment was made, so most rows arrive with no channel at all. Nothing is assumed unless you say so here — assuming online by default made this card pay 4 mpd on restaurant dinners and six statements read up to 54% above what the bank actually paid. Set it only where it is true of the card. A channel you set on a single transaction always wins, and so does one worked backwards from a statement's printed reward total — that is arithmetic on what the bank actually paid, and this is a habit.“Only rows no statement has claimed” keeps the assumption to the cycle nothing else can speak for — app screenshots of spend the statement has not reached yet. When that statement arrives it supersedes those rows and the assumption is taken back off them, leaving the printed reward total to settle the channel. Use it on a card that prints one; use “every row” on a card where the habit is simply true of how you pay.

Cycle

Read off your statement where one has been imported. Only used by cards billed on a statement cycle rather than a calendar month.

Add from a screenshot

The current cycle has no statement yet, so nothing else can tell you how close you are to a minimum or a cap. Screenshot the transaction list in your banking app and upload it here — several consecutive scrolls are fine, in order.A points balance or expiry schedule works too — the yuu app's home and Expiring Points screens are read as readily as a transaction list. Reading them takes about half a minute per image: they go through the local model one at a time, so the page will sit still for a while. It is working.

11 Aug · 2 images · 3 rows read · images not kept for this upload

3 Aug · 1 image · 4 rows read · images not kept for this upload

Read on this machine by the local model — the images are never uploaded anywhere else. Rows land marked as coming from a screenshot, and the statement replaces them when it arrives rather than adding to them.

Statements

2026-07-27
DBS Jul 26.pdf
coordinatenot kept
2026-06-28
dbs.pdf
coordinatenot kept
2026-05-27
DBS may 26.pdf
coordinatenot kept
2026-04-27
DBS Apr 26.pdf
coordinatenot kept
2026-03-27
DBS Mar 26.pdf
coordinatenot kept
2026-02-27
DBS Feb 26.pdf
coordinatenot kept
2026-01-27
DBS Jan 26.pdf
coordinatenot kept
2025-12-28
Statement DBS Dec 25.pdf
coordinatenot kept
2025-11-27
Statement Nov 25.pdf
coordinatenot kept
2025-10-27
Statement DBS Oct 25.pdf
coordinatenot kept
2025-09-28
Statement DBS Sep 25.pdf
coordinatenot kept
2025-08-27
Statement DBS Aug 25.pdf
coordinatenot kept

The original PDFs, kept so you can check any figure here against the document it came from.

Terms and conditions

The documents this card's rules were written from, kept as downloaded. A T&C is revised in place — the page a rate was read off in March may say something else today and nothing here would change — so what is linked is OUR copy, with the date the issuer printed on it.

Issuer terms · tiers[online-local].rate_milli_per_dollar
https://www.dbs.com.sg/iwov-resources/media/pdf/cards/dbs-womans-card-tnc.pdf
issuer updated 27 Juldownloaded 30 Jul
not archived181 KB
Commentary · tiers[online-local].cap.qualifying_spend_cents
https://milelion.com/2025/08/09/review-dbs-womans-world-card/
not archived

Commentary is linked but deliberately not archived — it is someone else's writing, and a local copy of it is neither ours to keep nor evidence of anything. Refresh with npx tsx scripts/fetch-terms.ts --all.