Best Credit Cards for Men
Unlike the women-marketed cards, there is no men's credit card in Singapore, and that is fine, because gender is a poor way to pick one anyway. The better approach is to choose by your spending: a flat or category cashback card for everyday costs, and a miles card if you travel.
- 1Cashback
UOB One Card
UOB
Why it fits: High everyday cashback for consistent monthly spenders.
Annual fee S$196.20 · Min income S$30,000
Pros
- +Up to 20% cashback on dining, groceries, transport, online
- +~10% cashback on the ongoing standard tier
- +Visa-based, so wide acceptance in SG and overseas
- +First-year annual fee waived
Cons
- −Annual fee S$196.20 from year two onwards
- −Top rates need consistent minimum quarterly spend
- −Headline 20% is spend-tiered + partly a new-customer boost
- 2Miles
Citi PremierMiles Card
Citibank
Why it fits: Flexible, non-expiring miles for travel, a long-standing default.
Annual fee S$196.20 · Min income S$30,000
Pros
- +Citi Miles never expire, so no rush to redeem
- +~2.2 mpd on foreign spend, good for travel
- +Wide transfer-partner list for flexible redemptions
- +Lounge access; first-year fee waived
Cons
- −S$196.20 annual fee from year two onward
- −Low ~1.2 mpd on local spend
- −Not especially beginner-friendly
- 3Cashback
American Express True Cashback Card
American Express
Why it fits: Simple flat cashback on everything, nothing to track.
Annual fee S$174.40 · Min income S$30,000
Pros
- +1.5% flat cashback on everything, uncapped, no min spend
- +3% intro cashback first 6 months, up to S$5,000 spend
- +First-year annual fee waived
- +Simple and beginner-friendly, no categories to track
Cons
- −S$174.40 annual fee from year two
- −1.5% base rate is low vs tiered cashback cards
- −Amex less widely accepted in Singapore than Visa/Mastercard
- Miles
Why it fits: Strong on overseas and general spend if you put a lot through the card.
Annual fee S$261.60 · Min income S$30,000
Pros
- +First-year annual fee waived (S$261.60 thereafter)
- +~2.4 mpd base on foreign spend
- +Airport lounge access included
- +Visa option means wider acceptance than Amex variant
Cons
- −S$261.60 annual fee from year two onwards
- −Local rate only ~1.4 mpd, weak for SG spend
- −Standard foreign-currency fee still applies on FX spend
Frequently asked questions
- Is there a credit card designed for men in Singapore?
- No. Some cards are marketed to women around categories like beauty and online shopping, but there is no men's equivalent. Choose by your spending patterns instead, which is the smarter approach for anyone.
- What's the best all-round card for a man?
- There is no single answer because it depends on how you spend. A flat or everyday cashback card suits routine spending, and a miles card pays off if you travel. Use our card finder to match a card to your habits.