Your rewards points earn rate differs from card to card. For example, DBS Altitude card holders may earn 3 DBS Points per S$5 spent online in local currency but DBS Woman’s card holders may earn 10 DBS Points per S$5 spent online in local currency. Some transactions do not qualify for DBS points accrual, such as bill payments via AXS, SAM, payments to educational, governmental, insurance, financial, medical, and non-profit organisations, gambling and betting, top-ups to prepaid mobile wallets and cards such as EZ-Link, GrabPay, and Singtel Dash, and instalment plans. These are called general exclusions and you will find them across all major banks in Singapore. An important thing to note is the expiry date: your DBS Points expire a year from your credit card account opening date. In subsequent years, DBS Points expire a year from the date it was earned. That means you will need to keep track of your DBS Points and redeem them promptly.