DBS Woman’s Card vs UOB Lady’s Card — 2020 Comparison of Rewards & Privileges

ladies card

What’s the first thing you think of when you hear the phrase, “The men don’t get it”. Menstrual cramps? Menopause? Notice these words all start with “men”? Ha ha.

Jokes aside, “The men don’t get it” has got to be one of the best credit card marketing slogans ever.

It created a mysterious sense of exclusivity, causing even men to wonder. What exactly was so special about credit cards that only women can apply? Turned out, they simply milked the cliche that women shop more. The UOB Lady’s Card and the DBS Woman’s Card are great for earning rewards/miles not just in shopping categories. But which one is better?

Let’s do a head-to-head comparison between the DBS Woman’s Card and the UOB Lady’s Card.

 

DBS Woman’s Card vs UOB Lady’s Card — 2020 Comparison of Rewards & Privileges

Credit card Benefits and rewards Minimum income (Singaporeans)

DBS Woman’s Card

5X DBS Points (or 10 miles) per $5 spent on online purchases

1X DBS Point (or 2 miles) per $5 spent on other purchases

$30,000
DBS Woman’s World Card 10X DBS Points (or 20 miles) per $5 spent online purchases

3X DBS Points (or 6 miles) per $5 spent overseas

1X DBS Point (or 2 miles) per $5 spent on other purchases

$80,000
UOB Lady’s Card 10X UNI$ (or 20 miles) on 1 category per $5 spent

1X UNI$ (or 2 miles) on other purchases

$30,000
UOB Lady’s Solitaire Card 10X UNI$ (or 20 miles) on 2 categories per $5 spent

1X UNI$ (or 2 miles) on other purchases

$120,000 
UOB Lady’s Solitaire Metal Card 10X UNI$ (or 20 miles) on 2 categories per $5 spent

By exclusive invitation only

DBS Woman’s Card vs UOB Lady’s Card: Rewards & benefits

DBS Woman’s Card offers 5X DBS Points (or 10 miles) per $5 spent on online shopping purchases. All other spend gets 1X DBS Point. This translates to $1 = 2 miles.

DBS logo
on Online Spend
S$5 = 5X Points
on All Other Spend
S$5 = 1X Point
Rewards to Miles Conversion
1 Point = 2 Miles

If you qualify for the DBS Woman’s World card, meaning you earn more than $80,000 a year, you get double the DBS points at 10X DBS Points (or 20 miles) per $5 spent on online shopping purchases, translating to $1 = 4 miles.

You can also get a higher earn rate for overseas spending with the DBS Woman’s World Card at 3X DBS Points or 6 miles per $5 spent.

DBS logo
on Online Spend
S$5 = 10X Points
on Overseas Spend
S$5= 3X Points
Rewards to Miles Conversion
1 Point = 2 Miles

In comparison, the UOB Lady’s Card also offers $1 = 4 miles without limiting to shopping categories. The bank finally recognised that not every “lady” just shops all the time. Thank God.

The UOB Lady’s Card lets you earn 10X UNI$ (UOB rewards points) on any ONE category of your choosing. That’s $1 = 4 air miles, which is a great earn rate.

You can choose from 7 categories: Beauty & Wellness, Fashion, Dining, Family (including grocery stores), Travel, Transport, Entertainment (nightlife, movies).

UOB logo
MoneySmart Exclusive
on One Category
S$5 = Up to 12X UNI$
on All Other Spend
S$5 = 10X UNI$
Rewards to Miles Conversion, no min. spend
1 UNI$ = 2 Miles
MoneySmart Exclusive: Get Free 1-year Burpple Beyond Premium membership when you sign up and get approved for selected UOB Credit Cards. For new-to-card holders only. Fill in the redemption form to redeem! T&Cs apply. Valid till 10 Sep 2020.

 

DBS Woman’s Card vs UOB Lady’s Card: Limitations

Okay, we’ve gone through the benefits. What are some limitations?

The main limitation for the DBS Woman’s World Card is that the points expire after 1 year. This is quite short, given that DBS Altitude’s points never expire. It means that you have to remember to redeem your points or *gasp* risk having them expire.

DBS Woman’s Platinum Cardmembers earn 5 DBS Points for every $5 online retail purchase, capped at $1,000 spend on online retail purchase per month. DBS Woman’s World Cardmembers earn 10 DBS Points for every $5 online retail purchase, capped at $2,000 spend on online retail purchase per month, and 3 DBS Points for every $5 equivalent in foreign currency purchase.

If you’ve the UOB Lady’s Classic/Lady’s Platinum card, the maximum UNI$ that you can earn per month is UNI$1,800. With the Lady’s Solitaire/Lady’s Solitaire Metal, the maximum limit is UNI$5,400. After which, 1X UNI$ will be awarded for every $5 spend — with no cap to it.

 

DBS Woman’s Card privileges vs UOB Lady’s Card privileges

The privileges for these ladies’ cards used to be better. DBS used to offer complimentary yoga classes and UOB had complimentary spa sessions at various places.

Now, the privileges are more like deals a.k.a. they’re not complimentary.

For DBS Woman’s Card/Woman’s World Card, get 40% off all packages at Bioskin, enjoy up to $16 off for new foodpanda customers, 15% off at hervelvetvase, and more. Valid till 31 December 2020.

UOB Lady’s Card/Lady’s Solitaire Card entitles you to one of 3 Pablo Blau Treatments at $69 (worth up to S$450) in Pablo Blau’s Signature Salt Rooms. This will include a complimentary Customised Eye Treatment or Neck & Décolletage Treatment (worth up to $250) if you’re one of the first 100 UOB Lady’s Cardmembers to make a booking. Valid till 31 December 2020.

Other promotions include 10% off regular-priced online items from Beyond The Vines till 21 February 2021, exclusive foodpanda promo codes till 28 February 2021, and 20% off your bill at Spice Brasserie, ParkRoyal on Kitchener Road till 28 February 2021.

UOB Lady’s Solitaire Metal Card comes with more travel privileges such as 1 complimentary limousine ride to the airport and complimentary lounge access 6 times a year.

 

DBS Woman’s Card vs UOB Lady’s Card: Eligibility

The entry-level ladies’ cards are DBS Woman’s Card and UOB Lady’s Card. You can apply with a minimum annual income of $30,000.

Then, for those upper middle class women with an annual income of $80,000, there’s the DBS Woman’s World Card, which offers significantly better earn rate. If you can qualify for the DBS Woman’s World Card rather than the DBS Woman’s Card, you earn double the points!

In addition to UOB Lady’s Solitaire credit card for the high net worth woman who earns $120,000 a year, there’s the UOB Lady’s Solitaire Metal Card which is by invitation only.

 

Alternative credit cards if you love shopping

There are other cards to consider to earn 10X rewards.

Citi Rewards offer 10X Points ($1 = 4 miles) for online purchases (including groceries) and spending at departmental stores and retail shops.

Citibank logo
Online Spend, including Food Delivery and Groceries
S$1= 10X Points
Grab and Gojek
S$1= 10X Points
All Other Spend
S$1 = 1 Point
Online Promo: Get S$200 Cash via PayNow when you apply and spend! Fill in the redemption form after the application to redeem. T&Cs apply. Valid till 31 Aug 2020.

UOB Preferred Platinum Visa Card also offers a good bonus earn rate of $1 = 4 miles or UNI$10 on day-to-day online shopping and entertainment, as well as mobile contactless payments.  You may even find that it beats UOB Lady’s Card if you spend predominantly on online transactions.

UOB logo
on Online Shopping, Entertainment & Contactless Payments
S$5 = 10X UNI$
on All Other Spend
S$5 = 1X UNI$
Rewards to Miles Conversion
1 UNI$ = 2 Miles
Online Promo: Get up to S$50 Grab Vouchers! Valid till 10 Sep 2020.

 

So which is the best card for the ladies?

It’s no surprise that the UOB Lady’s Card comes up top. In terms of shopping, wellness, beauty and fitness, they are the one to beat and unfortunately, DBS doesn’t come close.

We also like that UOB Lady’s Card allows the flexibility of choosing where to earn $1 = 4 miles, at that’s even at an entry-level income of $30,000.

For DBS, you need to earn at least $80,000 a year to qualify for the DBS Woman’s World Card, in order to get $1 = 4 miles on online shopping.

As an added bonus, the UOB Lady’s Card is gorgeous, designed by local Singaporean designer Priscilla Shunmugam. The DBS Woman’s Card and Woman’s World Card pale in comparison.

Do you have a UOB Lady’s Card or a DBS Woman’s Card? Are you planning to get one? Let us know.

 

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