DBS Woman's World Card Bonus MCC Categories
The DBS Woman's World Card earns bonus rewards when you spend at merchants with specific MCC (Merchant Category Code) codes. Here's a breakdown of which categories earn bonus rates:
1. Online Spend — 4 MPD
10X DBS Points per S$5 block on online transactions, local or foreign currency. Capped at the first S$1,000 online spend per calendar month.
| Category | MCC Codes | Top Merchants |
|---|---|---|
| Online Spend | All | Shopee, Lazada, Amazon, Trip.com, Agoda |
2. Overseas Spend — 1.2 MPD
3X DBS Points per S$5 block on foreign-currency spend, uncapped. Online overseas spend earns the higher 10X rate.
| Category | MCC Codes | Top Merchants |
|---|---|---|
| Overseas Spend | All | Any overseas merchant |
Tips to Maximize DBS Woman's World Card Rewards
- The S$1,000 online cap is monthly — S$4,000 miles monthly maximum from the 10X rate
- Online foreign-currency spend earns the 10X online rate, not the 3X overseas rate
- Excluded online MCCs (crypto, insurance, schools, government, quasi-cash) earn base points only
- DBS Points convert to KrisFlyer and other airline miles — pair with a points-transfer promotion
Frequently Asked Questions
What is the DBS Woman's World earn rate?
10X DBS Points (4 MPD) per S$5 block on online spend, local or foreign currency, capped at S$1,000 online spend monthly. Overseas spend earns 3X points (1.2 MPD), uncapped.
What counts as online spend?
Retail transactions processed as online by the merchant's acquirer on Mastercard networks — excluding bill payments, instalment plans, and a list of excluded MCCs and merchants.
Does the cap combine local and overseas online spend?
Yes. The S$1,000 monthly cap covers online spend in both currencies; overseas non-online spend earns the separate uncapped 3X rate.
Last Updated: October 2026 | MCC codes and card rewards may change. Always verify with CheckMCC and your card issuer.