12 best corporate credit cards in Singapore (2026 guide)

Key Takeaways:

• Corporate cards in Singapore vary significantly in how they handle overseas spending, rewards, credit, and employee expense management.

• Businesses can choose between traditional corporate credit cards issued by banks and corporate debit cards offered by fintech providers.

• You can issue Airwallex Corporate Cards in 60+ markets. Airwallex lets you hold funds in 20+ currencies and spend from your held balances with 0% FX fees.

The best corporate cards in Singapore do more than move money: they give finance teams control over how a growing organisation spends, across departments, entities, and currencies.

As headcount and operations scale, the gap between a basic company card and a proper spend management tool becomes expensive fast.

In this guide, we compare 12 corporate credit and debit cards available to Singapore businesses in 2026, with a focus on governance, multi-currency cost control, and how quickly a finance team can act when something needs to change.

What is a corporate card?

A corporate card is a payment card issued to a business for employee and company expenses such as travel, meals, software subscriptions, and supplier payments.

Unlike personal cards, corporate cards give the business control over how employees spend and make it easier for finance teams to track and reconcile expenses.

There are two main types:

• Credit cards: Corporate credit cards give businesses access to a line of credit, allowing them to spend now and repay later. They can offer rewards such as cashback or miles, but businesses may also face annual fees, foreign transaction fees, and interest charges.

• Debit cards: Corporate debit cards spend directly from a business account, so there is no credit line or interest on unpaid balances. Many fintech providers also offer multi-currency debit cards, allowing businesses to spend directly from held currency balances and manage employee spending through digital controls.

For example, Airwallex Corporate Cards are multi-currency debit cards linked to the business's held currency balances. Businesses can issue cards across 60+ markets, while employees can spend directly from currency balances with 0% FX fees.

12 best corporate credit and debit cards in Singapore

Singapore businesses can choose from bank-issued credit cards and fintech debit cards, and the right fit depends on how your business spends.

To help you compare like for like, we've split the tables below by card type. Here’s a quick overview of the best corporate credit cards first:

Credit cards

This information is based on publicly available information accessed on 22 Sep 2026. Information reflects Airwallex's own research and has not been independently verified.

Here’s a quick overview of the best corporate debit cards:

Debit cards

This information is based on publicly available information accessed on 22 Sep 2026. Information reflects Airwallex's own research and has not been independently verified.

1. DBS Visa Platinum Business Card

The DBS Visa Platinum Business Card is a traditional business credit card suited to companies that want to consolidate business spending while retaining access to short-term credit.

It is particularly relevant for businesses that value rewards, travel protection, and the ability to give employees cards under a central company account.

Features:

• Interest-free credit period for business expenses

• DBS Points on eligible spending

• Complimentary travel accident insurance when eligible airfare is charged to the card

• Employee misuse coverage for eligible corporate cardholders

• Real-time transaction visibility and card controls through DBS IDEAL

• Ability to lock and unlock cards and enable or disable transaction types such as online, contactless, and overseas transactions

• Consolidated statements for easier business expense tracking and reconciliation

Information in this section is based on DBS’s official website as of 22 Sep 2026.

2. UOB Signature/World Business Card

The UOB Signature/World Business Card is a traditional business credit card built around rewards, flexible payment terms, and visibility over employee spending.

It works well for businesses that want a conventional bank-issued card programme with centralised expense visibility, while also giving cardholders access to travel and lifestyle privileges.

Features:

• Cash rebates or UNI$ rewards on eligible business spending

• Flexible payment terms for managing business cash flow

• Consolidated visibility of business expenses

• Individual credit limits that can be set for each card user

• Complimentary travel and personal accident insurance

• e-commerce purchase protection

• Access to UOB Dining Privileges and Mastercard Easy Savings Specials

Information in this section is based on UOB’s official website as of 22 Sep 2026.

3. OCBC Business Credit Card

The OCBC Business Credit Card is a straightforward option for Singapore businesses that want to earn rebates on everyday business spending while getting some additional visibility into their environmental impact.

It is particularly suited to companies that want a conventional bank-issued credit card with straightforward rewards rather than a dedicated spend-management platform.

Features:

• Rebates on eligible local and foreign-currency business spending

• Enhanced rebates at selected eco-friendly merchants

• Interest-free payment period for eligible transactions

• Sustainability Spend Index showing estimated carbon emissions from business spending

• Sustainability benchmarking based on spending patterns

• Access to selected travel, dining and business partner privileges

• Business credit card management through OCBC Velocity

Information in this section is based on OCBC’s official website as of 22 Sep 2026.

4. American Express Singapore Airlines Business Credit Card

The American Express Singapore Airlines Business Credit Card is designed for businesses whose employees travel frequently with Singapore Airlines and Scoot.

Its main differentiator is its focus on HighFlyer rewards, making it particularly relevant for companies that want to turn eligible business travel and day-to-day spending into Singapore Airlines rewards while giving employees access to additional travel benefits.

Features:

• HighFlyer points on eligible Singapore Airlines, Scoot and other business spending

• HighFlyer points can be converted to KrisFlyer miles

• Complimentary travel accident insurance

• Complimentary ALL Accor+ Explorer membership

• Hertz Gold Plus Rewards benefits

• American Express Global Assist for eligible travel assistance

• Supplementary cards for employees

Information in this section is based on American Express’s official website as of 22 Sep 2026.

5. Citi Corporate Card

The Citi Corporate Card is suited to businesses that want a traditional corporate credit card with a choice of rewards and corporate protections.

It can work particularly well for companies that want to earn either Citi ThankYou Points or cashback on business spending while keeping employee card activity under a corporate card programme.

Features:

• Choice of Citi ThankYou Points or cashback, depending on the card liability structure

• Complimentary travel accident insurance

• Corporate liability waiver insurance for eligible employee card misuse

• Expense reporting capabilities for business spending

• Citi World Privileges offers and discounts

• Citi Pay with Points for eligible rewards redemptions

• Contactless payments

Information in this section is based on Citibank’s official website as of 22 Sep 2026.

6. Maybank Business Platinum Mastercard

The Maybank Business Platinum Mastercard is a traditional corporate credit card for established Singapore businesses that want to centralise employee spending while earning rewards on business expenses.

It is particularly suited to companies that want individual card controls, consolidated expense statements and the flexibility to use business credit for recurring expenses and supplier payments.

Features:

• TREATS Points on eligible business spending

• Redemption options including KrisFlyer miles and cash credits

• Consolidated statements for company-issued cards

• Individual credit limits for employee cards

• Interest-free credit for eligible purchases

• Complimentary travel insurance

• Automatic payment of recurring business expenses through Auto PayBills

Information in this section is based on Maybank’s official website as of 22 Sep 2026.

Best corporate debit cards in Singapore

1. Airwallex Corporate Cards

Airwallex Corporate Cards are part of the Airwallex Spend suite, which brings corporate cards, expense management, Bill Pay and Purchase Orders into one platform. This lets you manage your full spend workflow in one place.

Airwallex Corporate Cards are multi-currency Visa debit cards that connect directly to your Airwallex held balances.

When you spend in a currency you already hold, the transaction is paid directly from that balance with 0% FX fees and no foreign transaction fees, so there is no unnecessary currency conversion.

Features:

• Multi-currency Visa Corporate Cards linked to held currency balances

• 0% FX fees when spending from the relevant held balance

• Company Cards for shared business expenses such as software, advertising and supplier payments

• Employee Cards with customisable spending limits and controls

• Real-time visibility of card transactions and expense activity

• Expense Policy Agent, available on Grow plans and above

• Integrated Expense Management, Bill Pay and Purchase Orders within the Spend suite

2. Wise Business Card

The Wise Business Card is a multi-currency debit card linked to a Wise Business Account, making it particularly useful for businesses that regularly pay international suppliers, overseas software providers, or teams working across borders.

Its main appeal is straightforward international spending, with the card using currencies already held in the business account before converting when necessary.

Features:

• Physical and virtual business debit cards

• Spending directly from currencies held in the Wise Business Account

• Real-time spending notifications

• Individual team cards and spending controls

• Card payment approval and spending limits

• Freeze and unfreeze cards from the Wise app

• Apple Pay and Google Pay support

Wise currently supports spending in multiple currencies and uses the mid-market exchange rate when converting, with a separate conversion fee depending on the currency route.

For more, see our full review of the Wise Business Card.

Information in this section is based on Wise’s official website as of 22 Sep 2026.

3. Revolut Business Card

The Revolut Business Card is a multi-currency debit card aimed at companies with international teams and frequent overseas spending.

It stands out for combining corporate cards with broader currency-management and spend-control tools, making it particularly relevant for businesses that want employees to spend from different currency balances while finance teams manage card permissions centrally.

Features:

• Virtual and physical corporate debit cards

• Spending directly from available currency balances

• Custom spending limits and permitted merchant categories

• Real-time transaction tracking

• Card controls for individual employees and teams

• Multi-currency business account

• Expense management and analytics tools

Information in this section is based on Revolut’s official website as of 22 Sep 2026.

4. Aspire Corporate Card

The Aspire Corporate Card is aimed at startups and growing businesses that want corporate cards alongside expense management and other finance tools.

It is particularly relevant to companies that spend heavily on software and digital advertising, with Aspire offering cashback on eligible spending in those categories as well as controls for managing employee expenses.

Features:

• Virtual and physical corporate debit cards

• Custom spending limits and approval policies

• Automated receipt collection

• Real-time expense tracking

• Accounting software integrations

• Cashback on eligible digital marketing and SaaS spending

• Centralised expense management through the Aspire platform

Information in this section is based on Aspire’s official website as of 22 Sep 2026.

5. YouBiz Corporate Card

The YouBiz Corporate Card is designed for Singapore SMEs that want a rewards-led business account with multi-currency spending.

Its standout feature is the combination of cashback on card spending, foreign-currency spending without an additional FX fee, and a linked business account for managing multiple currencies.

Features:

• Mastercard corporate cards for business and employee spending

• Cashback on eligible card spending

• Foreign-currency spending without an additional FX fee

• Multi-currency business account

• Custom spending limits for employee cards

• Real-time expense tracking and notifications

• Payment approval controls for team spending

Information in this section is based on YouBiz’s official website as of 22 Sep 2026.

6. WorldFirst World Card

The WorldFirst World Card is a multi-currency Mastercard debit card linked to the WorldFirst World Account.

It is particularly suited to businesses with cross-border expenses, such as eCommerce sellers, digital businesses, and companies paying overseas suppliers, that want to combine multi-currency spending with cashback.

Features:

• Virtual and physical Mastercard debit cards

• Spending directly from supported currency balances

• Real-time transaction visibility

• Custom spending limits

• Instant card controls

• Cashback on eligible business spending

• Linked World Account for international business payments and currency management

Information in this section is based on WorldFirst’s official website as of 22 Sep 2026.

What to consider when choosing the best corporate card for your business

Not all corporate cards are built for the same kind of business. Before you apply, work through these six questions to narrow down what you actually need.

1. Do you need credit or do you prefer to spend from your own funds?

Credit cards give you a repayment window, useful for smoothing cash flow, but come with interest rates and the risk of carrying debt. Debit cards draw from your account balance, with no interest, no minimum payment, no debt risk.

For a growing finance team, this is usually a governance decision, not a rewards one.

2. How much do you spend in foreign currencies?

A 3%+ charge on every overseas transaction³ adds up fast for businesses that pay overseas vendors or run USD-billed SaaS tools. Fintech debit cards from providers like Airwallex charge 0% on foreign transactions when you spend from held balances.

3. How quickly do you need to issue cards, and across how many entities?

Banks require a separate application per employee card, taking days or weeks.

Fintech providers issue cards in minutes from a dashboard, and for businesses with more than one legal entity, the better providers let you issue per entity while still seeing a consolidated, group-level view of spend.

4. What level of spend control do you need?

Once headcount grows, ad hoc card requests stop scaling. Look for bulk issuance, per-card expiry dates that align with contract renewals, merchant category locks, and multi-layer approval workflows: controls that govern spend as the business grows, not how many reward points a card earns.

5. Do you need built-in expense management?

Chasing receipts and manually reconciling transactions at month-end is a time cost most finance teams would rather avoid. Some corporate cards include expense management as part of the package: receipt capture, approval workflows, and direct sync with accounting software like Xero, QuickBooks, or NetSuite.

Others offer only basic transaction reporting. If your team is growing or already managing spend across multiple people or entities, built-in expense management saves significant admin time.

6. Does the card fit into a broader financial platform?

A card is more useful when it connects to everything else your business needs: international transfers, multi-currency accounts, payment acceptance, and accounting integrations. Having all of this in one place means less time jumping between platforms and fewer errors from manual data entry.

If your business is growing internationally, look for a provider that can scale with you.

Take control of your global spend with Airwallex Corporate Cards

Most corporate cards solve one problem, which is giving employees a way to pay.

Airwallex Corporate Cards are built to solve the whole picture: how you issue cards, how you control spend, how you reconcile expenses, and how it connects to the rest of your financial operations. Here’s what you can do with Airwallex: 

• Issue corporate cards in 60+ markets

• Issue cards for teams at scale, instead of approving requests one at a time.

• Issue cards by legal entity, with consolidated, group-level visibility of spend.

• Set granular controls, including transaction limits, merchant-category restrictions, and allowed currencies.

• Build multi-layer approval workflows, and freeze or cancel cards instantly.

• Avoid unnecessary FX fees by spending directly from held balances 

Frequently asked questions (FAQs)

What is the difference between a corporate credit card and a personal credit card?

A corporate credit card is tied to your business, not your personal finances. It is designed for company expenses, and often comes with tools to track and control how money is used, such as consolidated billing, individual card limits, and expense reporting. Personal credit cards do not offer that level of oversight and are not built for commercial use.

What is the difference between a corporate credit card and a corporate debit card?

A corporate credit card extends a line of credit: you spend now and repay later, typically within an interest-free window. A corporate debit card draws directly from your business account balance, so there is no interest, no minimum payment, and no risk of carrying debt. Debit cards are often the better fit for businesses that want to keep spending within fixed budgets and avoid interest charges.

What should I look for in the best corporate credit cards in Singapore?

Start with how your business actually spends. If you have frequent overseas transactions, foreign transaction fees matter more than annual fees. If you need to issue cards quickly across a team, look for providers that let you do this without lengthy paperwork. Other factors worth comparing are spend controls, built-in expense management, cashback or rewards alignment with your spending categories, and whether the card connects to your accounting software.

Can I issue corporate cards across multiple business entities?

It depends on the provider. Most bank-issued cards and several fintech cards are built around a single legal entity, which means a business with multiple subsidiaries needs separate accounts and separate logins for each one. Some providers, including Airwallex, let you issue cards per entity while still giving finance teams a consolidated, group-level view of spend across the organisation.

What documents do I need to apply for a corporate card in Singapore?

Requirements vary by provider, but most banks ask for your ACRA Business Profile, audited financials for the last two years, Notice of Assessment for directors, and NRIC or passport copies for directors and cardholders. Fintech providers typically require less documentation (usually your business registration details, director identification, and proof of address), all submitted online.

Is a corporate debit card safer than a corporate credit card for managing team spend?

Both can be managed safely with the right controls in place. Debit cards limit spending to your available balance, which removes the risk of debt. Credit cards offer an interest-free window that can help manage cash flow. Either way, the key controls to look for are per-card spending limits, merchant category restrictions, real-time transaction alerts, and the ability to freeze or cancel cards instantly.

Sources:

1.  https://www.airwallex.com/sg/spend-management/cards

2. https://www.dbs.com.sg/sme/day-to-day/business-cards/dbs-visa-business-platinum-card, https://www.dbs.com.sg/sme/pdf/comm-cards-rates-and-fees-schedule.pdf, https://www.dbs.com.sg/personal/cards/cards-faqs.page 

3.  https://www.uob.com.sg/business/transact/cards/uob-business-card.page, https://www.uob.com.sg/personal/cards/credit-cards/terms-and-conditions.page

4. https://www.ocbc.com/iwov-resources/sg/ocbc/business/pdf/ocbc-business-cards/fees_and_charges_for_business_credit_card_2024.pdf

5. https://www.americanexpress.com/en-sg/business/small-business/singapore-airlines-business-credit-card/product-highlight-sheet/

6. https://www.citibank.com.sg/pdf/0323/citibank-pricing-guide.pdf?icid=IPBFDUIUENGLBLSBVU&lid=SGENCBLCICATLBankingFeesAndRatesINFO

7. https://www.maybank2u.com.sg/en/personal/cards/credit/maybank-business-platinum-mastercard.page

8. https://wise.com/business/send-payments, https://wise.com/uk/help/articles/2935775/can-my-business-get-a-wise-card?origin=related-article-2935762

9. https://www.revolut.com/en-SG/business/business-account-plans/

10. https://aspireapp.com/pricing, https://help.aspireapp.com/en/articles/9936509-eligibility-for-spend-management-and-corporate-cards

11. https://www.you.co/biz/, https://youbiz.zendesk.com/hc/en-us/articles/6334722356249-What-exchange-rates-are-used-for-YouBiz

12. https://www.worldfirst.com/sg/pricing/, https://www.worldfirst.com/global/help-center/faqs/world-card/