为业务增长设计的公司卡

发放无限公司卡，为团队中的每个成员提供一张。让您的团队自由支配开支，同时通过公司卡的开支限制和商家锁定保持控制
促销：使用优惠代码SGJU5在12月31日之前注册，享受合格Aspire卡消费的5%返现增值。完整条款和条件请参阅此处。
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利用 Aspire 公司卡赋能您的团队并更快扩大规模

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赋能您的团队

给您的团队颁发无限制的卡，并以安全可靠的方式实现更快捷的分布式采购
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尽在您的掌握之中

随时设置和调整支出限制。避免大笔意外支出，获得内心平静
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减少文书工作

您的团队成员可用手机上传收据。通过直接的会计集成，您的关账时间可节省一半

June Special Offer

Use Promo Code: SGJU5
Get 5% cashback on your marketing and software spends with the Aspire card. Capped at $200. Then, get 1% cashback thereafter. Promo code is valid until June 30, 2023.

*Terms Apply
June Special Offer
Use Promo Code: SGJU5
Get 5% cashback on your marketing and software spends with the Aspire card for two months. Capped at $100 per month. Then, get 1% cashback thereafter. Promo code is valid until Jun 30, 2023

*Terms apply
Get Early Access For FreeSee FX rates
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立即向您的团队成员颁发无限虚拟卡

向每个员工、商户或用例颁发无限虚拟卡。告别共享卡或一次性密码，迎接更快捷、更安全的采购
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实时控制并了解您的卡的支出

再也不会出现超支或者意外的大笔支出。指尖轻触，即可设置支出限制、审批政策并追踪支出
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告别跟踪收据

通过自动收据提醒和无缝衔接的上传体验，使手动追踪票据成为历史。一站式轻松访问和搜索您所有的交易记录
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使用多币种公司卡，节省外汇手续费

当您使用 Aspire 卡支出时可利用市场领先的汇率，最高可比银行便宜 3 倍。可颁发多币种的 Aspire 公司卡，直接用美元或新加坡元支出，从而完全避免汇率交易费用。敬请期待更多币种
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您的数字支出可获返现

与商业技术领域最知名的公司合作，在数字营销和软件即服务 (SaaS) 方面的支出可获得 1% 的返现.
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与您的会计软件集成

结帐速度快两倍，所有交易都与主要会计软件同步
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在这里获取最强大的公司卡
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了解公司卡及公司卡如何运作

与颁发给个人的个人借记卡或信用卡类似，银行和 Aspire 等其他金融机构也向企业实体提供借记卡或信用卡。这种发给公司或企业的卡片被称为公司卡。然后，企业可能会选择给员工分发这些公司卡，用以支付与业务相关的费用。但是，支付这些公司卡上产生的任何费用责任均由公司承担。
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公司卡让员工代表公司的支出变得简单，而不用先自掏腰包，再等着以后报销。对于企业来说，公司卡允许企业轻松地跟踪支出，设置信用卡支出限制，并在拥有控制权的情况下授权支出。公司卡还专门设计为公司及其员工提供许多奖励和福利，这使得公司卡对企业来说非常有利可图。

您应该将公司卡颁发给谁？

早些时候，企业只向公司董事或高级管理人员颁发公司卡。然而，随着公司规模的扩大，这可能会导致瓶颈，因为不同级别的员工可能也需要代表公司支出费用。
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发行公司卡的现代方法是了解不同员工角色级别的需求。在销售、客户服务、采购或营销部门等特定职位的员工往往于会表公司支出费用。此外，某些特定的职位，如定期与客户会面或需要代表公司频繁出差的中层管理人员，都是颁发公司卡的潜在人员。

给您的员工签发公司卡的好处

帮助您更快地扩大业务规模
凭借公司卡，可授权员工做出财务决策，这是员工在组织中有效发挥作用所必需的步骤。另一方面，创始人可通过公司卡轻松跟踪公司支出，并将支出与其他财务流程 (如费用管理和会计软件) 无缝集成。从而帮助企业实现自动化并更快地增长。
Reduces frauds
Modern corporate cards are designed to mitigate fraud through multiple features such as transaction limits, category locks, and an option to freeze the card when lost or stolen making corporate cards a safer option to distribute among your employees. By distributing ownership, you also distribute financial responsibilities amongst your employees, who are then responsible for all the spending on their cards. Thus, helping in reducing fraud at large.
Higher visibility
Modern corporate cards provide features like automated transaction alerts, expense categorization etc. that aid higher visibility. By distributing cards to their employees, businesses can track all the spending that is happening within the organization at a project level, team level or even an employee level.

Who offers corporate cards in Singapore?

There are many banks and fintech companies, like ourselves, that offer corporate cards to businesses in Singapore. We have covered them all in our blog, you can click the links to view cards offered by various banks such as UOB, Citibank, OCBC, Maybank etc.

However, if you are a start-up or a growing business, chances are you may not meet the eligibility criteria for most of these banks or find their charges to be expensive for your liking. You can consider opting for Aspire multi-currency account for global payments which offers you marketing-leading FX rates without any initial deposits or minimum balance requirements. Read our article on the best corporate cards in Singapore for quick and easy comparison.

Choosing a corporate card for your business

Virtual cards or Physical cards?
In today’s financial ecosystem, you can avail virtual corporate cards as well as physical corporate cards. Physical cards are the normal tangible cards that have existed in the market for years. Virtual cards are digital cards which reside in your phone, tablet, laptop etc. and have no physical presence even though they function exactly the same as physical cards. While both cards have their own pros and cons, with increasing transactions being done online, virtual cards are replacing physical cards in the market. That said, you need not choose between any one of them, as many providers such as Aspire, offer you the flexibility of owning multiple virtual cards as well as a physical card at the same time at no extra cost.
Debit card or Credit card?
Corporate cards can exist both as debit cards where your withdrawals are limited to the funds present in your account and also as credit cards where you can withdraw a specified amount as per your eligibility, and repay the same within a specified period. While credit cards are preferred for ensuring smooth cash flow, debit cards are preferred by businesses looking to stay within limits, and in control. Aspire corporate card is a corporate debit card, however, it offers you flexibility to get a credit line on the card, thus providing businesses control as well as extra funds to facilitate a smooth cash flow.
Corporate card or Business card?
Traditionally corporate cards were designed for companies with high annual revenues, whereas business cards were for smaller companies. But with times changing quickly and the functioning of both companies large or small taking a more global, digital-first approach, the rewards of both corporate cards as well as business cards are gravitating towards providing more and more digital benefits. Instead of deciding on a card by what it is called, it is better to read into the detailed benefits of each card to understand which one will be more suited for your business needs.
Read more on how to choose the best corporate card for your business.

How to apply for a Corporate card in Singapore

The requirements to apply for a corporate card may vary from one issuer to another. You will have to submit documents such as your business registration details, financials and other information to apply for corporate cards. Some companies may require that you submit your company's credit score too. This will determine the type of cards and the number of cards you will be eligible for.

Applying for digital cards, such as Aspire corporate card, is much simpler since you can complete the whole process online. For instance, to apply for an Aspire card, you simply need to open an Aspire business account, submit documents online, and you will receive approval for your cards.

关于 Aspire 公司卡的常见问题

Aspire 公司卡是信用卡还是借记卡？

Aspire 公司卡是借记卡。我们还有 Aspire Advance 卡，这是一种有信用额度的公司卡。

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该卡的汇率是多少？

在 Aspire, 我们希望您支付市场上最低的费用。

零激活卡片费用

零交易费用

最优汇率，比银行便宜 3 倍

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返现如何运作？

所有 Aspire 持卡人在符合条件的支出 (在线营销和 SaaS) 上将享受最低 1% 的返现。
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我们的返现促销活动旨在帮助您的业务蓬勃发展，所以请利用好这个促销活动！

根据您的数字营销和 SaaS 费用，每月月底自动计算返现。返现将在下个月的第一周存入您的商业账户。

当返现被处理时，您将收到一个单独的电子邮件通知。

PS: 您可以在这里找到更多关于我们的返现促销活动详情。

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我能否创建多张卡片？

您可以为董事、员工甚至外部人员 (如会计) 创建多张卡片，而无需额外费用。

当向个人用户发放 Aspire 卡时，您还可以指定该卡用于特定的公司费用 (例如 facebook 广告费用)。

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我如何将 Aspire 卡赠送给其他用户？

作为管理员，您可以向有支出限制的员工颁发虚拟卡，无需额外费用。对于已经使用 Aspire 的员工，管理员可以通过以下方式发放卡片：

1. 点击借记卡进入您的公司卡页面
2. 点击“+ 新卡”按钮开始创建卡
3.选择要为其创建卡片的用户，并按要求填写
4. 卡片立即生成

对于没有现有 Aspire 帐户的员工，请阅读如何将用户添加到我的帐户? 您可以在邀请流程中发放卡片。请注意，管理员将无法向其他帐户管理员发放卡片，他们可以自己发放卡片。请注意，针对帐户管理员 (董事)的 卡片将在帐户激活后自动创建。

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我能否获取一张实体卡？

是的。有了 Aspire，您现在可以在家门口拿到一张实体卡。请注意：

-贴有预支限额的卡不能用于 ATM 取款

-贴有 SGD/USD 账户标签的卡只能在新加坡以外的地方用于 ATM 取款 (每次取款需收取 5 新元的费用)

-每个用户的第一张卡是免费的！同一用户的后续卡需收取 15 新元的手续费

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关于公司卡的常见问题

什么是公司卡？

公司卡是发给公司的任何借记卡或信用卡。对该卡征收的任何费用均由公司实体负责。

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公司卡和信用卡是否相同？

不相同。颁发给公司实体的任何用于支付的借记卡或信用卡都是公司卡。

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个人卡和公司卡有什么区别？

个人卡是发给个人的，个人有责任支付对卡征收的费用。而公司卡是发给公司实体的，该实体有责任支付这些费用。

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什么是商业卡或者公司卡？

商业卡和公司卡是一样的！商业卡或公司卡是发给公司的任何借记卡或信用卡。卡上产生的任何费用均由公司实体负责。

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为您的企业财务授权强大的功能

多个易于使用的功能，无缝集成
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商务卡
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为整个团队发行企业卡。在保持控制的同时委派支出。
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国际支付
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以极低的费用进行国际转账和银行卡支付，最低可比银行便宜 3 倍
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返现
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数字卡支出可得 1% 返现
budgets
预算
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设置预算，实时跟踪支出。控制支出限制
claims
申请
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在一个平台管理员工自付费用、收据收集和只需
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审批流程
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实施多级审批矩阵，审批费用和应付账款发票
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发票管理
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轻松创建、发送和管理发票。一切均可通过自动对账来同步
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自动支付账单
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通过 CSV 批量上传发票，或使用 OCR 自动检测。应付账款统计不会忙乱，也不会出错
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大宗支付&定期支付
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一次性支付数千笔款项。通过定期支付优化现金流
rewards
奖励
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开设一个 Aspire 账户，就可以从我们的平台合作伙伴那里获得价值超过 5 万美元的独家福利
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会计整合
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利用直接集成将工作流程自动化。更快关账，不给错误留下空间