Summary
- Corporate cards let employees spend for work without using personal money or filing messy reimbursements.
- The right card depends on your spending pattern like travel, ads, SaaS, or overseas payments.
- Top corporate card providers in Singapore include DBS, American Express, Citibank, UOB, OCBC, Maybank, YouTrip, Aspire, Airwallex, Wise, Standard Chartered, and WorldFirst, each catering to different business spending needs from travel to digital and cross-border payments.
- Modern corporate cards also act as expense management tools with tracking and controls.
- Cards improve transparency and discipline only when clear spending rules are in place.
Running a business involves numerous expenses. Sometimes, employees may need to spend on behalf of the business to keep operations going. This could be to take a client out for a meal, purchase office supplies for the company, or fly to different destinations for business meetings, among other things. Issuing your employees with a company-sponsored corporate card can make it easy to track expenses while ensuring that they don't have to pay out of their pocket for company purposes. The best solution is to issue a corporate credit card or a corporate debit card to all employees who may need to undertake company expenses.
In this guide, we break down the best corporate credit and debit cards in Singapore for 2026, comparing fees, rewards, and features, so you can choose a card that fits how your business actually spends, not just what sounds attractive on paper.
Best corporate cards in Singapore for your business in 2026
Now, let's get down to the most crucial part of the article – the best business credit cards in Singapore and the best business debit cards in Singapore. There are many banks and fintech companies that offer corporate cards to businesses. However, if you’re a small business, these are some of the best corporate credit cards and corporate debit cards to consider:
| Card Name | Annual Fee (SGD) | Key Rewards & Perks | Best For |
|---|---|---|---|
| DBS World Business Card | ~SGD $410 (high tier) | Up to 1–2% rebates, airport lounge access (Priority Pass), travel insurance, high limits, 8% on min SGD $1,000 spent | Travel-focused companies and frequent flyers |
| American Express Singapore Airlines Business Credit Card | SGD $400.00 (incl. of 9% GST) | HighFlyer miles (up to 8 pts/SGD $1), KrisFlyer and travel perks | Frequent business travellers and airline rewards |
| Citi Corporate Card | SGD $150 per card (excluding GST*) | Up to 0.5% cashback or ThankYou Points, travel and corporate liability insurance | Balanced rewards and insurance |
| UOB Regal Business Metal Card | Invite-only; minimum SGD $150K income p.a. or SGD $5M annual sales or SGD $500K paid-up capital | Earn up to 2% cash rebate on local and overseas spend per month | Premium corporate perks and elite travel |
| OCBC Business Credit Card | Varies | 3% rebate at select eco merchants, 1% on foreign transactions, 0.2% local | Businesses prioritising rebates and sustainability |
| Maybank Business Platinum Mastercard | ~SGD $196.20 (waived promos) | 1% TREATS points | Good all-round earning and travel flexibility |
Notes: All rates, fees, and cashback percentages are accurate as of January 2026. Businesses should verify with the provider directly, as terms may change.
DBS World Business Card
Issuing entity: DBS Bank
Payment network: Mastercard
The DBS World Business Card is a premium corporate credit card in Singapore designed for companies with frequent travel and high business spending. It combines rewards earning with travel privileges, airport lounge access, and higher credit limits suited for established businesses. It is particularly useful for firms that regularly incur travel, client entertainment, and overseas expenses.
Key Features:
- Airport lounge access via Priority Pass
- Travel insurance coverage
- Rewards in cashback or miles format
- Higher credit limits for growing businesses
American Express Singapore Airlines Business Credit Card
Issuing entity: American Express
Payment network: American Express
This corporate card is tailored for businesses whose teams travel frequently, especially on Singapore Airlines. It focuses on airline rewards rather than simple cashback, allowing companies to accumulate HighFlyer points that can be converted into flight benefits. It is ideal for travel-heavy SMEs and corporates.
Key Features:
- HighFlyer points on eligible business spend
- Travel-related perks and protections
- Expense tracking tools
- Ideal for companies booking frequent flights
Citibank Corporate Credit Card
Issuing entity: Citibank
Payment network: Visa
If you have frequent flyers in your company, you should consider getting the Citibank Corporate Credit Card. It allows you to accumulate ThankYou points that can be exchanged for flight miles. Your employees can also exchange the points for vouchers or cash rebates. Compared to many other corporate cards, Citibank's card features among the best corporate credit cards in Singapore because of its affordable annual fee and excellent benefits.
Key features:
- Up to 0.5% cashback on corporate spending
- Frequent flyer miles
- Easy tracking of expenses
UOB Regal Business Metal Card
Issuing entity: United Overseas Bank (UOB)
Payment network: Mastercard
The UOB Regal Business Metal Card is a high-end corporate card aimed at established firms seeking premium privileges. It focuses on dining, lifestyle, and travel perks alongside business spending capabilities. This card is best suited for companies with senior executives who travel or host clients frequently.
Key Features:
- Complimentary airport lounge access
- Dining and hotel privileges
- Premium metal card tier benefits
- Designed for executive-level spenders
OCBC Business Credit Card
Issuing entity: OCBC Bank
Payment network: Visa
OCBC’s Business Credit Card provides rebate-focused rewards while maintaining compatibility with day-to-day operational spending. It is often chosen by SMEs that want predictable cashback and a traditional bank relationship.
Key Features:
- Cashback on local and foreign currency spend
- Business expense tracking
- Travel-related benefits
- Works well for general company expenses
Maybank Business Platinum Mastercard
Issuing entity: Maybank
Payment network: Mastercard
For every dollar spent with the Maybank Business Platinum Card, you’ll earn 1 TREATS point with every SGD $1 spent. Other perks also include flexible credit limits and extended interest-free crediting. Applicants will also enjoy a 2-year waiver on pesky annual fees, which means you can focus on growing your business.
Key features:
- Earn TREATS Points for every dollar spent, redeem air miles, vouchers, cash credits and more. More info here.
- Enjoy up to 51 days of interest-free credit on purchases
- Flexible credit limits based on company’s profitability
- Complimentary travel accident insurance, up to SGD $1mil for cardholder and family
Best corporate debit cards for your business in 2026
Now that you know which credit card is best in Singapore, let’s move on to the best debit cards.
It’s important to note that debit cards issued by fintech companies, rather than banks, usually safeguard customer funds in segregated trust accounts held with Tier 1 partner banks. This arrangement offers a strong level of protection, but these funds aren’t covered by SDIC insurance (unlike deposits in traditional bank accounts).
| Card Name | Annual Fee | Key Cashback / Rebate | Best For |
|---|---|---|---|
| Aspire Corporate Card | No fee | ~1% unlimited cashback | Simple, no-fee card with virtual issuance for teams |
| Airwallex Business Card | No fee | Multi-currency support, low FX fees | Borderless spend and multi-currency business operations |
| Wise Business Card | No fee | Low-cost FX, transparent spend | Transparent, low-fee global spend |
| DBS Business Advance Debit Card | No fee | ~0.3% rebates | Straightforward debits with DBS ecosystem |
| OCBC Business Debit Card | No fee | Up to 1% e-commerce and travel, 0.2% other | Travel and digital marketing spend |
| Standard Chartered Business Debit Card | No fee | Up to ~1% rebates | Broad multi-category rebates |
| WorldFirst World Card | No fee (virtual) | Earn up to 1.2% cashback and zero FX margin in many currencies | Cross-border invoice payments and multi-currency spend |
| YouBiz | No annual fee | 1% unlimited cashback | Businesses with frequent overseas or foreign currency spend seeking simplicity and low FX fees |
Notes: All rates, fees, and cashback percentages are accurate as of January 2026. Businesses should verify with the provider directly, as terms may change.
Aspire Corporate Card
Issuing entity: Aspire
Payment network: Visa
Aspire Corporate Card, a debit card in Singapore, is one of the best debit card options for small businesses. Firstly, it is a virtual card, making it an extremely safe and easy-to-use product. You can also choose to apply for a physical card if you wish to. You can apply for as many cards required to give to your team members. Businesses are eligible for cashback on digital spending, including online marketing and SaaS such as on Facebook ad spends, Google ads, Hubspot, Notion, AWS, Slack, Adobe, Shopify, etc.
Key features:
- 1% cashback on digital spends
- Attractive FX rates
- No hidden costs and minimum balance requirements
- Expense management software
- Accounting automation
Airwallex Corporate Card
Issuing entity: Airwallex
Payment network: Visa
Airwallex offers a multi-currency business card suited for companies operating across borders. Businesses can hold and spend in multiple currencies with competitive FX rates, making it valuable for global supplier payments and overseas teams.
Key Features:
- Multi-currency wallet support
- Low FX conversion costs
- Virtual and physical cards
- Strong global payment infrastructure
Wise Business Card
Issuing entity: Wise
Payment network: Mastercard
The Wise Business Card focuses on transparent foreign exchange pricing and cross-border transactions. It allows companies to pay internationally using real exchange rates with low fees, which is useful for freelancers, exporters, and digital businesses.
Key Features:
- Real exchange rate FX
- Multi-currency balances
- Transparent fee structure
- Ideal for global payments
DBS Business Advance Debit Card
Issuing entity: DBS Bank
Payment network: Visa
DBS Business Advance Debit Card is another excellent debit card in Singapore to consider. If your business has a bank account with DBS Bank, you can apply for employee debit cards. However, it does incur a foreign transaction fee for international purchases. The travel transaction fee can go up to 3.25%.
Key features:
- Spending rebates up to 0.3%
- Travel accident insurance
- Transaction limits
- Annual coverage of employee misuse
OCBC Business Debit Card
Issuing entity: OCBC Bank
Payment network: Mastercard
OCBC Business Debit Cards are available in both physical and digital formats. These cards can be obtained by any business that holds an OCBC business bank account. It provides good cashback on business spending and is compatible with a range of mobile wallets for online payments. It also has a range of rewards and member perks. However, convenience and maintenance fees may apply to different accounts.
Key features:
- 1% cashback on ecommerce, digital marketing, and travel spends, but 0.2% unlimited cashback on all other spends
- No minimum spend
- Consolidated accounting statement
Standard Chartered Business Debit Card
Issuing entity: Standard Chartered Bank
Payment network: Mastercard
The Standard Chartered Business Debit Card can be accessed by companies with a business account with Standard Chartered. The costs and minimum balance requirements for Standard Chartered Business Debit Cards vary from one account type to another. It is best to check with your bank representative before applying for one of these cards.
Key features:
- Automatic rebates of up to 1% on corporate expenses
- Contactless and NETS payment options
- Easy business expense management
WorldFirst World Card
Issuing entity: WorldFirst
Payment network: Mastercard
WorldFirst’s business card is built for cross-border trade. It allows businesses to hold multiple currencies and pay international suppliers while minimising FX costs, making it popular among importers, exporters, and e-commerce sellers.
Key Features:
- Multi-currency wallet
- Competitive FX rates
- Designed for international trade
- Good for global supplier payments
YouBiz
Issuing entity: YouTrip
Payment network: Mastercard
YouBiz is a corporate debit card in Singapore that offers unlimited 1% cashback on transactions, zero account fees, minimum spend features, limiting categories and cashback caps. It also has a 0% FX fee across over 150 currencies. If you have significant forex expenses, then YouBiz corporate credit card is a great one to consider. It can help you easily manage forex expenses and track them in different currencies.
Key Features:
- No FX fees on foreign spends
- Unlimited cashbacks
- Multi-currency expense management platform in 9 currencies
- Unlimited cards for users (physical and virtual)
But why exactly do you need a corporate card in 2026?
A corporate card is a company-issued credit or debit card that employees use for business expenses. It allows teams to make purchases on behalf of the business without paying out of pocket or waiting for reimbursements, simplifying everyday spending.
Beyond convenience, corporate cards give businesses real control. Companies can track transactions in real time, set spending limits, and define usage rules for each employee. The business remains responsible for repayment, while finance teams gain full visibility over expenses.
In short, corporate cards streamline company spending, improve expense management, and give businesses tighter control over cash flow—while often offering added rewards and benefits for both the company and employees.
How to choose the best corporate card for your business?
Choosing the best corporate credit card in Singapore or corporate debit card is not about picking the most premium option, it is about choosing what fits your business operations. The right corporate card helps improve financial control, simplify expense tracking, and even reduce costs through rewards and better cash flow management.
Before applying, here is what you should evaluate.
Step 1: Understand your company’s spending patterns
Your decision should start with how your employees actually spend.
- Frequent business travel → Look for travel perks, miles, lounge access, and insurance
- Client meetings and dining → Cards with lifestyle or dining rewards
- Procurement and supplier payments → Cashback or rebates on large transactions
- Digital tools, SaaS, ads → Cards offering benefits on online spending
A card that rewards your real expense categories will deliver the most value.
Step 2: Consider the interest-free repayment period
For credit cards, the interest-free window matters. If your business uses cards to manage short-term cash flow, a longer repayment period gives flexibility. A shorter runway can increase finance costs quickly if balances roll over.
Step 3: Evaluate international and FX costs
If you pay overseas vendors or travel frequently, foreign exchange fees can silently raise expenses. Some cards charge high FX markups, while others offer multi-currency wallets or reduced conversion fees. This factor is crucial for global or digital businesses.
Step 4: Prioritise safety and spending controls
Corporate cards should strengthen financial discipline.
Look for:
- Real-time spend notifications
- Ability to freeze or cancel cards instantly
- Employee-level spending limits
- Fraud monitoring and strong authentication
Good controls prevent misuse and give finance teams peace of mind.
Step 5: Compare perks, rebates, and rewards
Once costs and security are covered, optimise for value.
These can include:
- Travel perks (lounge access, hotel benefits, miles)
- Cashback on fuel, dining, ads, or software
- Volume rebates for high spend
Rewards should match your spending profile, not just look attractive.
Step 6: Check integrations and expense tools
Modern corporate cards often include:
- Accounting integrations
- Automated receipt capture
- Expense reports
- Multi-user management
This can save significant admin time every month.
Step 7: Match the card to your business stage
Some premium cards require higher revenue or longer operating history. Startups and newer SMEs may find digital-first providers easier to qualify for, with faster approval and virtual card features.
How to apply for a corporate card?
Requirements vary, but typically include business registration documents, financial details, and sometimes credit history. Digital providers usually offer fully online applications and faster approvals.
In addition, business credit score matters. Healthy credit improves eligibility and borrowing power.
Some good practices you can follow to improve your score:
- Track statements carefully
- Pay bills early
- Monitor employee spending
Who to issue corporate cards to?
It's not necessary that you issue corporate cards only to company directors and managers. Today, employees at different levels may need to undertake corporate expenses. Keeping this in mind, you can decide to whom to issue corporate cards.
If your employees travel frequently or meet with clients regularly, you can issue corporate cards to them. It becomes simple to track and manage expenses with a corporate credit card or a corporate debit card. Employees in sales, client servicing, mid-level managers who meet with clients, and employees in the purchasing department could be potential candidates to issue corporate cards to.
Types of corporate cards
You can issue business credit cards or debit cards to your employees. However, there are three types of corporate cards available in the market:
Frequently Asked Questions
What is the difference between a corporate credit card and a business credit card in Singapore?
A corporate credit card is typically issued to companies with higher annual revenues and allows employees to spend on behalf of the company, with the company liable for repayments. Business credit cards are aimed at smaller businesses or sole proprietors, where the owner, not the employee, is responsible for repayment.
How do I choose the best corporate card for my business?
Consider the type of expenses your employees incur, interest-free repayment periods, security features, available perks and rebates, and integration with your expense management system. For example, companies with frequent overseas transactions may benefit from cards with low or zero FX fees.
Who should be issued a corporate card in my company?
Corporate cards can be issued to employees who regularly incur business expenses, such as sales teams, client service staff, and mid-level managers. Virtual cards are ideal for SMEs that want easy monitoring, multi-currency tracking, and greater financial control.
Can using a corporate card help improve my business credit score?
Yes. Regularly tracking statements, paying bills early, and monitoring employee spending on corporate cards can strengthen your business credit score. A healthy score reduces the barrier to securing loans and signals financial stability to investors.
- American Express -https://www.americanexpress.com/sg/credit-cards/singapore-airlines-business-card/?linknav=sg-amex-cardshop-allcards-learn-SingaporeAirlinesBusinessCard
- Citi -https://www.citibank.com.sg/credit-cards/commercial-cards/citi-corporate-card/
- UOB - https://www.uob.com.sg/business/transact/cards/uob-regal-business-metal-card.page
- OCBC - https://www.ocbc.com/business-banking/smes/transactions/business-debit-card
- OCBC - https://www.ocbc.com/business-banking/smes/transactions/business-credit-card
- Maybank - https://www.maybank2u.com.sg/en/personal/cards/credit/maybank-business-platinum-mastercard.page
- DBS - https://www.dbs.com.sg/sme/day-to-day/business-cards/dbs-visa-business-advance-debit-card?pk_source=google&pk_medium=organic&pk_campaign=seo
- Standard Chartered - https://www.sc.com/sg/business-channels-access/business-debit-card/
- Wise - https://wise.com/ph/business/card
- Worldfirst - https://www.worldfirst.com/sg/product/pay/world-card/
- YouBiz - https://www.you.co/biz/
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