UOB corporate credit & debit cards in Singapore (2026 guide)

Key takeaways:

• UOB offers six corporate credit cards and one business debit card in Singapore, with options designed for everyday business spending, employee expenses, travel, cash-flow management, and procurement.

• UOB corporate cards vary significantly in rewards, payment terms, fees, and spending features. The right card depends on your business's spending needs.

• For businesses that want multi-currency spending, Airwallex Corporate Cards are a good option. You can hold 20+ currencies with your Business Account and enjoy 0% FX fees when spending on your card from your held balances.

UOB corporate cards can help you manage expenses while offering rebates and travel rewards, but are they right for your business?

In this article, we’ll take a deep dive into UOB’s 7 corporate cards in Singapore and compare their benefits, rewards, and fees.

We’ll also explore why the Airwallex Corporate Card can be a good alternative, especially for businesses that handle expenses in multiple currencies.

UOB corporate cards in Singapore: An overview

UOB offers six business and corporate credit cards and the UOB Business World Debit Card in Singapore.

The cards have different features and eligibility requirements, ranging from everyday business expense management to premium travel and procurement solutions.

UOB also offers business programmes and privileges to eligible cardholders, including the UOB Commercial Privileges Programme.

UOB corporate credit cards in Singapore

We’ve prepared a comparison table that lists each UOB corporate card’s features, benefits, and fees. Here’s a quick overview:

This information is based on publicly available information accessed on 5 Oct 2026. Information reflects Airwallex's own research and has not been independently verified.

UOB Signature/World Business Card

The UOB Signature/World Business Card is designed for businesses that want to manage everyday expenses while getting more flexibility around payment timing.

Cardholders can choose between earning cash rebates or UNI$, subject to UOB's terms and qualifying criteria. The card also offers extended payment terms and spending visibility.

Good for: Businesses looking for a general-purpose corporate card with rewards and cash-flow flexibility.

UOB Corporate Card

The UOB Corporate Card is designed to help businesses manage employee expenses with customised controls and spending visibility.

A key feature is its multi-currency capability in USD and HKD, allowing card users to make transactions in these currencies.

Good for: Businesses whose employees regularly incur expenses in USD or HKD, particularly when travelling or spending internationally.

Looking for a corporate card that supports more currencies? With an Airwallex business account, you can hold funds in 20+ currencies and spend directly from these balances with your Airwallex corporate card, with 0% FX fees when spending from a held balance.

UOB Regal Business Metal Card

The UOB Regal Business Metal Card is a premium, invitation-only corporate card with a focus on travel and lifestyle benefits. Cardholders can earn cash rebates and receive benefits including airport lounge access, hotel and dining privileges, and other lifestyle perks.

Good for: Business owners and senior executives who travel frequently and value premium travel and lifestyle benefits.

UOB Empire World Business Mastercard

The UOB Empire World Business Mastercard is designed around business travel, with cash rebates on local and overseas spending, airport lounge access, and UOB Travel Concierge services. The card is available by invitation only.

Good for: Businesses and executives with significant business-travel spending who want travel benefits alongside corporate card rewards.

UOB Business Plus Card

The UOB Business Plus Card focuses on cash-flow flexibility, offering payment terms of up to 60 days with 0% interest upon full payment. Cardholders can also access additional credit through UOB's Business Payment Facility, subject to its terms.

Good for: Businesses that want greater flexibility over the timing of payments or access to additional credit.

UOB Purchasing Card

The UOB Purchasing Card is designed specifically for procurement and business payments.

It can help businesses automate payment processes, set credit or transaction limits for individual card users, and monitor vendor and company spending. It also offers payment terms of up to 60 days.

Good for: Businesses with regular procurement or supplier payments that want greater control and visibility over purchasing spend.

Looking for more control over corporate card spending? Airwallex lets businesses set spending limits and controls on individual corporate cards, including limits by merchant category. Businesses can also track card activity and transactions in real time from a central dashboard.

Information in this section is based on UOB’s official website as of 5 Oct 2026.

UOB corporate debit card in Singapore

UOB currently offers one business debit card in Singapore: the UOB Business World Debit Card.

It is linked to an eligible UOB SGD Business or Corporate Current Account, allowing businesses to pay directly from their business account rather than using a credit facility.

The card is designed for day-to-day business spending and offers up to 1.5% cash rebate on eligible local spending. It also offers 0% FX fees on overseas foreign-currency spending, with no minimum spend or rebate cap.⁷

Good for: Businesses that already bank with UOB and want a debit card for everyday business expenses, particularly those that value cash rebates on local spending and 0% FX fees when spending overseas.

Looking for a business card with multi-currency spending? With an Airwallex business account, you can hold funds in 20+ currencies and spend directly from those balances with an Airwallex corporate card, with 0% FX fees when spending from a held balance.

How to apply for a UOB corporate card

The application process and eligibility requirements vary depending on the UOB corporate card and your business structure. In general, you can apply by completing the relevant UOB commercial card application form and submitting the required documents.

You may need to provide documents such as:

• A completed card application form

• A specimen signature form

• A Business Banking Facilities form

• A board resolution, where applicable

• NRIC or passport copies for the business owners, partners and/or card applicants

• Recent Notice of Assessment and/or audited financial statements

• Company registration or other business documents, where applicable

For the UOB Business World Debit Card, you must have an eligible SGD-denominated UOB Business or Corporate Current Account. UOB requires the completed application form and supporting documents to be submitted at a UOB branch.

The UOB Regal Business Metal Card and UOB Empire World Business Mastercard are available by invitation only. Businesses interested in these cards can register their interest or contact their UOB relationship manager.

How to increase your UOB corporate card limit

If you need a higher credit limit, contact UOB to discuss your requirements and any supporting documents that may be needed. Requirements can vary depending on the card and the business.

How to waive the UOB corporate card annual fee

Annual fee waiver terms vary by UOB corporate card. Some cards have a first-year or multi-year fee waiver, while premium cards such as the UOB Regal Business Metal Card have a non-waivable annual fee.

Check the specific card's current fee terms before applying rather than assuming that an annual fee can be waived.

Why Singapore businesses choose Airwallex Corporate Cards

The Airwallex Corporate Card is a Visa business debit card linked to your Airwallex Business Account. You can create cards directly from your account and use them for business spending, with transactions paid from your available funds.

With Airwallex Corporate Cards, you can:

• Spend in multiple currencies: Hold funds in 20+ currencies in your Airwallex Business Account and spend directly from those balances with 0% FX fees.

• Issue virtual cards instantly: Create virtual cards and start using them immediately for online business spending.

• Set spending controls: Set daily, weekly or monthly spending limits and restrict spending by merchant category.

• Track spending in real time: View card transactions and company spending from a central dashboard, and freeze or cancel cards when needed.

• Manage expenses in one place: Connect card spending with Airwallex Expense Management and accounting integrations for easier expense tracking and reconciliation.

You can sign up for an Airwallex Business Account fully online, and start issuing cards once your account is approved. There are no setup fees, monthly fees or minimum balance requirements on the free Explore plan.

Frequently asked questions (FAQs)

Who is eligible for a corporate credit card in Singapore?

Eligibility depends on the card and the business. UOB offers corporate and business cards for different types of Singapore-registered businesses, but individual cards can have additional requirements such as minimum annual turnover, an existing UOB banking relationship, or invitation-only eligibility. For example, UOB's premium Regal Business Metal Card and Empire World Business Mastercard are invitation-only.

How does a corporate card work?

A corporate card is issued to a business for employees or authorised users to pay for business expenses. Depending on the card, spending may be charged to a corporate credit facility or deducted directly from the company's available funds, as with a business debit card. Corporate cards can also give businesses greater visibility and control over employee spending through features such as individual card limits, transaction monitoring and expense reporting.

Is a corporate card the same as a business card?

The terms are often used interchangeably, but they can refer to different products depending on the provider. Corporate cards are generally designed for businesses that need to manage employee or company spending, while business cards can include a broader range of products for SMEs and smaller businesses. The important distinction is usually the card's features, eligibility and how spending is funded rather than the name used by the provider.

How do I set spending limits for employees using corporate cards?

Many corporate card providers allow businesses to set spending limits for individual cardholders or control where cards can be used. The exact controls available vary by card and provider. With Airwallex Corporate Cards, businesses can set spending limits, restrict purchases by merchant category, and freeze or cancel cards instantly from the dashboard.

What fees should businesses expect on corporate cards?

Corporate card fees vary by provider and card. Common charges can include annual fees, foreign-currency or overseas transaction fees, replacement card fees, interest or late payment charges, and other service fees. Airwallex Corporate Cards are available without annual card fees on the Explore plan, which includes 10 company cards.

Can corporate cards be used for international spending?

Yes. Corporate cards can generally be used for overseas purchases, although the currencies supported and fees for foreign-currency transactions vary by card. Airwallex Corporate Cards support spending from multi-currency balances held in an Airwallex Business Account. You can hold 20+ currencies and spend directly from those balances, with 0% FX fees  when spending from a held balance.

Which companies offer corporate cards for businesses in Singapore?

Banks including UOB, DBS and OCBC offer corporate or business credit and debit cards in Singapore. Fintech providers such as Airwallex also offer business debit and corporate card products with features such as multi-currency spending, employee cards and spending controls. The right option depends on whether your business prioritises credit facilities, rewards, travel benefits, multi-currency spending, or control over employee expenses.

Sources:

1. https://www.uob.com.sg/business/transact/cards/uob-business-card.page

2. https://www.uob.com.sg/business/transact/cards/uob-corporate-card.page

3. https://www.uob.com.sg/business/transact/cards/uob-regal-business-metal-card.page

4. https://www.uob.com.sg/business/transact/cards/uob-empire-world-business-mastercard.page

5. https://www.uob.com.sg/business/transact/cards/uob-business-plus-card.page

6. https://www.uob.com.sg/business/transact/cards/uob-purchasing-card.page 

7. https://www.uob.com.sg/business/transact/cards/uob-business-world-debit-card.page