UOB Lady's Card vs DBS Woman's World Card
A side-by-side comparison of two Singapore miles cards. Rates, caps and fees come from each issuer’s published terms; the simulator projects each card’s annual miles at the spend you enter.
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At S$2,100/mo entered, both cards project the same annual miles.
Figures update as you change your spending. They are projections from your inputs and each issuer’s published rates — not a promise of returns. Open the detailed breakdown below to see each card’s per-category working, side by side.
Only categories where one of the cards pays a bonus are listed. Each cell is the miles rate at that spend tier (the monthly-spend threshold) — rates above a card’s base rate are bold in the card’s colour, base rates are muted. Figures are ongoing, after any intro period; earn caps apply (see the conditions below).
UOB Lady's Card · Restaurants, fast food restaurants, online food delivery. Only if selected as 1 of 7 categories.
UOB Lady's Card · Grocery stores and Baby & Kids stores. Only if selected as 1 of 7 categories.
UOB Lady's Card — Fashion · Any department store, retail store or shopping website that sells clothes, shoes and bags as its main business activity. Only if selected as 1 of 7 categories.
DBS Woman's World Card — Online Purchases · Earn 10X DBS Points (4 miles per S$1) on eligible online purchases.
UOB Lady's Card · Fuel stations, Taxi rides and local commuter transport. Only if selected as 1 of 7 categories.
DBS Woman's World Card — Overseas Purchases · Earn 3X DBS Points (1.2 miles per S$1) on non-online overseas transactions.
UOB Lady's Card · Airlines, hotels & resorts bookings and duty-free stores. Only if selected as 1 of 7 categories.
Every value is taken from each issuer’s published terms. A blank field shows as “—”. Earn caps are shown in the issuer’s native period — a quarterly cap is not converted to monthly.
See the full details for each card
UOB Lady's Card and DBS Woman's World Card, compared
How the UOB Lady's Card and the DBS Woman's World Card differ
The UOB Lady's Card earns 4 mpd on dining, 4 mpd on Fashion, and 4 mpd on Entertainment, plus 0.4 mpd on other eligible spend. The DBS Woman's World Card earns 4 mpd on Online Purchases and 1.2 mpd on Overseas Purchases, plus 0.4 mpd on other eligible spend. On earn caps, the UOB Lady's Card is uncapped and the DBS Woman's World Card is uncapped.
Where the UOB Lady's Card and the DBS Woman's World Card pay different rates
The two cards diverge most on dining, where the UOB Lady's Card pays 4 mpd against the DBS Woman's World Card’s 0.4 mpd. Category by category, on ongoing rates (introductory offers excluded): Dining: the UOB Lady's Card pays 4 mpd; the DBS Woman's World Card pays 0.4 mpd. Groceries: the UOB Lady's Card pays 4 mpd; the DBS Woman's World Card pays 0.4 mpd. Transport: the UOB Lady's Card pays 4 mpd; the DBS Woman's World Card pays 0.4 mpd. Travel: the UOB Lady's Card pays 4 mpd; the DBS Woman's World Card pays 0.4 mpd. Foreign currency: the DBS Woman's World Card pays 1.2 mpd; the UOB Lady's Card pays 0.4 mpd. Both cards pay the same bonus rate on shopping & online (4 mpd). The UOB Lady's Card pays its bonus rate only on the one category the cardholder selects; every other category earns its 0.4 mpd base rate. Outside those categories both cards pay the same 0.4 mpd base rate.
Where the UOB Lady's Card and the DBS Woman's World Card are alike
Both carry the same S$196.20 annual fee. Both pay a bonus rate on shopping & online. Neither card caps the total miles earned each month.
How the UOB Lady's Card and the DBS Woman's World Card credit your miles
Both cards credit to a flexible (transferable) programme. Points transfer at 2:1 on the UOB Lady's Card and 0.4:1 on the DBS Woman's World Card, so the same points balance converts to different mileage. On validity, the UOB Lady's Card’s expire 24 months after they are earned and the DBS Woman's World Card’s expire 12 months after they are earned.
How the projection is calculated
The earnings section above projects each card’s annual miles from the category amounts you enter, using each issuer’s published rates and caps. Output depends only on the card data and your inputs — affiliate status never changes the figures or the order they appear in. You can simulate any spending mix to compare the two cards at your own profile.
Other head-to-heads with these cards
Each runs the same earning calculation on your own spending, so you can weigh UOB Lady's Card or DBS Woman's World Card against a different alternative.
Frequently asked questions
What is the difference between the UOB Lady's Card and the DBS Woman's World Card?
The two cards diverge most on dining, where the UOB Lady's Card pays 4 mpd against the DBS Woman's World Card’s 0.4 mpd. The UOB Lady's Card earns 4 mpd on dining, 4 mpd on Fashion, and 4 mpd on Entertainment, plus 0.4 mpd on other eligible spend. The DBS Woman's World Card earns 4 mpd on Online Purchases and 1.2 mpd on Overseas Purchases, plus 0.4 mpd on other eligible spend. The UOB Lady's Card pays its bonus rate only on the one category the cardholder selects; every other category earns its 0.4 mpd base rate.
Do the UOB Lady's Card and the DBS Woman's World Card charge an annual fee?
The UOB Lady's Card: S$196.20 (First year fee waiver). The DBS Woman's World Card: S$196.20 (First year waived).
Which card projects more miles for my spending?
It depends on your spending mix. The gap is widest on dining (4 mpd on the UOB Lady's Card against 0.4 mpd on the DBS Woman's World Card), so how much of your spend lands there moves the projection most. The simulator above projects each card’s annual miles from the amounts you enter, and states which card projects higher at that spend. Change the inputs to compare at your own profile.
What are the earning caps on the UOB Lady's Card and the DBS Woman's World Card?
On total miles, the UOB Lady's Card is uncapped and the DBS Woman's World Card is uncapped.
What is the minimum income for the UOB Lady's Card and the DBS Woman's World Card?
The UOB Lady's Card: S$30,000 (citizen/PR) · S$40,000 (foreigner). The DBS Woman's World Card: S$80,000 (citizen/PR). Eligibility also depends on each issuer’s own assessment; confirm current criteria with the issuer before applying.
Is this comparison affected by affiliate links?
No. The projected figures and the order of the two cards depend only on each card’s published data and the spending you enter; affiliate status never changes them. Card details are shown as of each issuer’s verification date — confirm current terms with the issuer before applying.
Figures are estimates based on the spending you entered, assumed steady across the year, using standard Merchant Category Code (MCC) classifications and each issuer’s published rates. Monthly caps, annual fees and minimum-spend requirements are shown on every row and factored into the projections. Not modelled: promotional sign-up bonuses, merchant-specific exclusions, fee waivers beyond the first-year window shown, and future rate changes by issuers. First-year figures assume a new cardholder eligible for introductory rates; ongoing figures reflect post-introductory rates. Standard merchant coverage estimates are based on Singapore market share; you can adjust them in the settings above.
Actual earnings depend on your eligibility and each bank’s current terms, which may differ from the figures shown here — always verify with the issuer before applying.