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Best Business Credit Cards In Singapore (2021)

SingSaver team

SingSaver team

Last updated 21 June, 2021

Every spending situation is unique. SingSaver assembles the 'Best For' list, so you can decide what’s best for you.

Different business credit cards exist to suit different business needs and goals. Consider your business spending habits, fees and charges along with perks when comparing business credit cards.

Are you a business owner who’s looking for a business credit card to help free up your company’s cash flow, and keep business and personal expenses separate all while enjoying rewards, perks or savings? Good on you for recognising the power of a business credit card!

Like how varied consumer credit cards are, the same is said for business credit cards. Some are designed to help businesses earn rewards like cashback, miles or rewards points on their expenses while others could be more focused on keeping costs low through things like more favourable foreign exchange fees and no annual fees. Some business credit cards even throw in enticing travel perks or the ability to access flexible credit limits.

Looking for the best credit cards to complement your spending patterns and expenditure in 2023? Check out our Ultimate Credit Card Guide that covers all things credit cards in Singapore – from choosing between a cashback, miles, or rewards credit card to planning your credit card strategy.

Best Business Credit Cards In Singapore

Best for  Credit card  Key benefits
Low foreign exchange fees & no annual fee Aspire Corporate Card Get low foreign exchange fees of 0.7%

S$0 annual fee
Premium travel benefits & generous cashback American Express Singapore Airlines Business Credit Card Earn up to 8.5 HighFlyer Points per S$1 spent on eligible Singapore Airline Group flights, worth 8.5% cashback

Complimentary night stay yearly and up to 50% dining discounts with Accor Plus
Rewards on anything you spend on Citi Business Card Earn 2 Citi ThankYou points for every S$1 spent, equivalent to 0.45% cashback or 0.8 miles per S$1 spent
6 or 12 months interest-free instalments Standard Chartered Business Platinum Card Convert retail transactions above S$500 into 6 or 12 months interest-free instalments with a one-time service fee
Cashback on foreign currency DBS World Business Card Enjoy 2% cashback or 2 miles per S$1 on foreign currency spend
Dining and unlimited airport lounge access UOB Regal Business Metal Card Enjoy 2% cashback on overseas spend and all dining spend with no minimum spend
Flexible credit limits Maybank Business Platinum Mastercard Enjoy additional working capital to make purchases and pay bills without worries

Best for low foreign exchange fees & no annual fee: Aspire Corporate Card

The Aspire Corporate Card could be the business credit card for you if you are on the lookout for a S$0 annual fee business credit card – one that also offer a low foreign exchange fee of 0.7%. This virtual business credit card helps you save on marketing and Software-As-A-Service (SaaS) spend — think Google Ads, Facebook Ads, LinkedIn Ads, Slack, Xero, Google Suite, Mailchimp and more — thanks to the 1% cashback it offers.

All cashback earned will be automatically credited into your Aspire Account monthly in Singapore Dollars. Speaking about your Aspire Account, there's no need to maintain a minimum balance and no fall-below fees are charged as a result. Likewise for the initial deposit, where there is no minimum amount either.

Besides letting you access exclusive benefits from partners, you can look forward to receiving real-time spend notifications along with prompt customer service. You can also link the Aspire Corporate Card with your company's accounting software, like Xero for example. And for added convenience, you can add it to Google Pay, with Apple Pay integration coming soon.

However, keep in mind that the applicant of Aspire Corporate Card has to be a director of a Singapore registered company.

SingSaver Exclusive Promotion: Receive S$50 cashback when you key in the promo code SINGSAVER50 upon application and make a deposit within seven days of card approval. Valid till 30 June 2021. T&Cs apply.

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Best for premium travel benefits & generous cashback: American Express Singapore Airlines Business Credit Card

The American Express Singapore Airlines Business Credit Card should be on your radar if your business typically deals with lots of overseas travel. As a co-branded Singapore Airlines American Express business credit card, you can expect a host of Singapore Airlines and travel perks.

Highlights? Look forward to earning up to 8.5 HighFlyer Points per S$1 spent on eligible Singapore Airline Group flights, which is worth 8.5% cashback. All other spends will earn 1.8 HighFlyer Points per S$1 spent, equivalent to 1.8% cashback. The HighFlyer Points can be used to offset future travel purchases with no caps, no blackout periods, and no restrictions. Just so you know, HighFlyer Points are valid for a full three years.

This business credit card also lets you enjoy up to 50% dining discounts and a free night every year via a complimentary Accor Plus membership. Additionally, you get two complimentary Priority Pass airport lounge visits per year for you and a guest, up to S$1 million complimentary travel accident insurance and trip cancellation coverage.

If you'd like even more travel perks, you're given the opportunity to fast-track your KrisFlyer Elite Gold status qualification. Make a S$15,000 spend with the Singapore Airlines Group in your first 12 months of card approval and voila, you're KrisFlyer Elite Gold member.

These card benefits are in addition to the fact that American Express offers extended payment terms — up to 51 interest-free days from the transaction date — to help boost your business’ cash flow. 

Welcome gift: Enjoy S$0 annual card fee for the first year and receive a welcome bonus of 30,000 HighFlyer Points.

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Best for rewards on anything you spend on: Citi Business Card

The Citi Business Card lets you earn rewards on literally anything you spend on for your business. Be it meals, office supplies, marketing expenses, entertainment, or travel, this business credit card lets you earn 2 Citi ThankYou points for every S$1 spent. That's equivalent to 0.45% cashback or 0.8 miles per S$1 spent.

Besides making it easy for you to earn rewards across your business expenses, you will be thrilled to know that Citi Business Card will swoop in if you need to boost your business’ cash flow — it lets you enjoy a generous credit line of up to S$100,000 should you be looking to expand your business. Do note that this is in addition to your personal credit card line, so you enjoy even greater cashflow.

That’s not all, you’ll also enjoy up to 55 days of interest-free credit, on top of a complimentary corporate liability waiver insurance coverage of up to US$25,000 per cardmember and US$1,650,000 per company to protect against card misuse by your employees. This card also throws in complimentary travel accident insurance coverage of up to S$1 million per cardmember when you charge your full fare to the Citi Business Card.

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Best for unlimited spend within your means: Standard Chartered Business Debit Card

Although this isn't a credit card, we think this debit card deserves a spot on our list. Because as far as card perks go, this debit card dishes out some solid benefits.

To compensate for its less ideal 1% rebate, this card has no rebate cap, no minimum spend, and no annual fees, ever... as long as your bank account can afford it. 😅

Basically, you can spend limitlessly to your heart's content (within your means) while still earning some rebate. If we were to compare it to other credit cards, the Standard Chartered Business Debit Card definitely squares up to other unlimited cashback credit cards on the market.

The downside is that its 1% rebate rate is relatively low compared to the usual 1.5% to 2% cashback rate offered by unlimited cashback cards. No matter, this is still a decent option if you still want to earn rebates without worrying about busting a rebate or a spend cap on your card.

Do note that you'll need to set up a Business Current Account with Standard Chartered first before you can obtain his debit card.

💡Pro-tip: Be entitled to 15% automatic rebates in hotels, dining, petrol, and other business logistics thanks to the MasterCard Easy Savings Programme.

Business$aver Business Current Accounts - Standard Chartered SingaporeSource: Standard Chartered

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Best for cashback on foreign currency: DBS World Business Card

DBS World Business Card may boast a high annual fee of S$406.60 and a minimum annual income requirement of S$80,000, but this business credit card is packed to the brim with perks and privileges.

DBS World Business Card lets you earn cash rebates in the form of DBS Rewards Points which you can redeem for cash, air miles or even shopping vouchers. DBS World Business Card offers 2% cash rebate on overseas spending (equivalent to 2mpd); 1% cash rebate on local dining, entertainment and travel (equivalent to 1 mpd); and 0.3% on all other transactions (equivalent to 0.3 mpd).

With regards to travel perks, this business credit card also lets you enjoy up to 10 complimentary Priority Pass airport lounge visits per year and up to S$1 million travel insurance coverage when the full travel fare is charged to this card.

And with the Mastercard easy savings® feature, rebates at participating merchants are automatically applied to your monthly statements. Merchants include the Dinova restaurant network in the USA and car rental service QeeQ in the Asia-Pacific.

DBS itself grants a host of business benefits across multiple categories too. This includes fuel discounts, dining privileges, cashback off utilities and telco bills, and more.

Lastly, you receive up to US$1.65 million employee misuse coverage and access to 24-hour dedicated service with DBS BusinessCare. You can also monitor and analyse card expenses whenever you wish, 24/7. However, do note that additional fees and charges may be applied.

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Best for dining and unlimited airport lounge access: UOB Regal Business Metal Card

Created for business elites, the UOB Regal Business Metal Card is a by-invitation-only business credit card that offers top-notch luxury perks and benefits. These include a complimentary Diamond-tier Wyndham Hotels & Resorts Membership, Diamond-tier Fraser World membership, generous discounts at the Grand Hyatt Singapore and Pan Pacific Group properties, and much more.

For one, you get unlimited access to over 1,000 airport lounges worldwide thanks to the Mastercard Airport Experiences perk provided by LoungeKey. Furthermore, you're granted complimentary travel insurance coverage of up to US$500,000 for you and your family members.

Like the other cards on this list, the UOB Regal Business Metal Card rewards you for spending as well. You get 2% cash rebate on all overseas and dining spends, with no minimum spend required. On the local front, you enjoy a 1.5% cash rebate on retail spend and 0.3% on utilities. These cash rebates are automatically used to offset your following month's balance, so there's no need to send out several SMSes or log in to a rewards portal.

However, the card is scant on business-specific perks and it has a high annual fee of S$680. And as mentioned earlier, you'll need to be invited by UOB to apply for this card.

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Best for flexible credit limits: Maybank Business Platinum Mastercard

Maybank Business Platinum Mastercard offers flexible credit limits based on the company’s profitability. This is absolutely unaffected by any personal card limits, so fret not. Independent limits can be set for multiple cards as well, within the overall limit of course. Additionally, this business credit card lets you enjoy up to 51 days of interest-free credit on purchases.

To make things easier on businesses’ end, consolidated statements detailing expenses charged to all company-issued Maybank Business Platinum Cards will be provided. You can monitor spending and reconcile expenses for efficient tax reporting, too.

TREATS Points earned are flexible too — they can be redeemed for air miles, cash credits, vouchers and more. Along with the welcome 2-year annual fee waiver, Maybank Business Platinum Mastercard also offers complimentary travel insurance (up to S$1 million in coverage), global concierge services, worldwide withdrawal services and complimentary business logo printing.

You will earn 1 TREATS Points for every dollar spent on the Maybank Business Platinum Mastercard. And you can continue to earn TREATS Points when you apply for Maybank Auto PayBills and charge your recurring bills to the Maybank Business Platinum Mastercard.

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Read these next:
Compare Best Business Credit Cards in Singapore
AMEX-SIA Business Credit Card: How Does It Stack Up Against Other Corporate Cards?
Travel Insurance: Does It Cover Redemption Bookings By Air Miles?
Top Credit Card Promotions And Deals On SingSaver
5 Ways To Save Money On Top Hotels

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