7 Best Business Credit Cards in Singapore [2025]

Are you starting to make more business payments and looking for a way to get more out of every transaction? Or perhaps you already have a business credit card but want to explore options that might fit your business better.

No matter your situation, the right business credit card can help you earn cashback, get rewards, and manage expenses more efficiently if you know where to look and what to look for.

This guide simplifies your options by comparing 7 business credit cards in Singapore, so you can find the one that matches your company’s spending habits and make an informed choice.

The UOB Business Plus Card, offered by UOB Singapore, is a Mastercard® credit card that offers businesses flexible payment options with extended payment terms and low interest rates on top of exclusive UOB privileges.[1] It is a good choice for SMEs in the early stages looking to stabilise cash flow or businesses that need short-term credit access without high financing costs.

Key Benefits

• Low interest rate: Get an additional line of credit at 1.15% per month (13.8% p.a.).
• Extended payment terms: Enjoy up to 60 days of payment terms with 0% interest when paid in full.
• Cash access: Withdraw cash from your credit limit and repay over selected instalment periods.
• UOB Commercial Privileges Programme: Get exclusive discounts and offers from participating partners, including DHL Express and Singroll payroll software.
• UOB$ Programme: Earn up to 10% cashback on eligible transactions at participating merchants.
• Complimentary travel insurance: Get SGD 1 million in coverage for travel, personal accidents, and other travel inconveniences when the full travel fare is charged to the UOB Business Plus Card.

Sole proprietorships, partnerships, limited liability partnerships, and limited companies are eligible to apply for the UOB Business Plus Credit Card.

For limited companies, the required documents are as follows:

1. Card application form
2. Notice of Assessment and/or audited financial statements for the last two years
3. NRIC or passport of directors, shareholders, and cardholders
4. Board Resolution
5. Specimen signature form
6. Business Banking Facilities form

You can apply by submitting a UOB Commercial Cards Contact Form online, providing details such as your name and current year's annual sales turnover. Alternatively, you can send an enquiry via email.

The DBS Platinum Business Card is a product of DBS SME Banking. It offers a wide range of features and benefits, including redeemable points, complimentary annual coverage of employee misuse, and promotional cashback offers, making the card ideal for companies looking to earn rewards on business expenses while benefiting from added security protections.[2]

Key Benefits

• Bill payment consolidation: Simplify payments by consolidating multiple supplier bills into a single credit card statement
• 55-day payment term: Extended credit terms up to 55 days at 0% financing cost.
• DBS Points: Earn 1 DBS point for every SGD 5 charged and redeem for vouchers, air miles, or 0.4% cash rebate (Terms and Conditions apply).
• Complimentary travel accident insurance: Up to SGD 1 million per cardholder when the full airfare is charged to the card.
• Complimentary annual coverage of employee misuse: Get up to USD 25,000 coverage per cardholder, with a maximum company-wide limit of USD 1.65 million across all DBS Commercial Cards.

To apply for the DBS Platinum Business Card, you must be at least 21 years old and have a minimum annual income of SGD 30,000.

You can apply online through DBS’s website using business information from MyInfo Business or an ACRA search or by submitting an interest form to request further assistance.

If you frequently travel for business, the American Express Singapore Airlines Business Credit Card is a solid choice. It offers business and travel perks, including spending credits and discounts from partners like Google Ads and Microsoft 365, along with HighFlyer points for business travel rewards.[3]

Key Benefits

• HighFlyer Points: Earn up to 8.5 HighFlyer Points per SGD 1 spent on eligible Singapore Airlines Group flights (equivalent to 8.1% cashback).
• Business travel perks: Get fast-track KrisFlyer Elite Gold status, complimentary Hertz Gold status, and Priority Pass membership (T&Cs apply).
• Cash flow benefits: Spread Singapore Airlines purchases into smaller payments over 6 months at 0% interest.
• Up to 51 interest-free days: Manage business expenses with an extended interest-free period.
• Extensive business offers: Enjoy over SGD 8,850 in savings with partner deals, including spending credits for Google Ads, 25% off Microsoft 365, and up to 6% off monthly AWS bills.

To be eligible for the American Express Singapore Airlines Business Credit Card, the applicant must:

• Be over 21
• Be a business owner and/or person with executive authority of a company or business with a valid Unique Entity Number (UEN). 
• Met the regulatory minimum income requirement and internal assessment.

You can apply for the card online using MyInfo with SingPass or enter the information manually.

Offered by Maybank, a leading bank in Southeast Asia, the Maybank Business Platinum Mastercard® provides various benefits, including consolidated statements, worldwide cash withdrawal services, and compatibility with Apple Pay and Samsung Pay.[4]

This credit card is part of the Maybank Young Entrepreneur Scheme, allowing businesses registered in Singapore for at least 6 months but no longer than 2 years to apply.

Key Benefits

• Complimentary business logo printing: Personalise your card with your business logo.
• Up to 51-day interest-free credit: Manage business expenses with an extended interest-free period on purchases. An interest rate of 27.9% applies to outstanding balances after this period.
• TREATS Points for every SGD spent: Earn points on business expenses, redeemable for rewards.
• Worldwide withdrawal services: Access cash at ATMs globally.
• Flexible credit limits: Based on company profitability, not personal card limits. Independent limits can be set for multiple cards within the overall company limit.
• Air Miles redemption: Convert TREATS Points into KrisFlyer Miles or Asia Miles at attractive rates.
• Complimentary travel insurance: Coverage of up to SGD 1 million when air tickets or travel packages are charged in full to the card.

Companies incorporated in Singapore and registered with ACRA with at least one director who is a Singapore citizen or permanent resident can apply for the Maybank Business Platinum Mastercard®. Additional eligibility criteria include:

• The director(s) must be between 21 and 60 years old.
• The company must have been in operation for at least two years with an annual sales turnover of at least SGD 200,000.

However, the card is also part of the Maybank Young Entrepreneur Scheme (YES), which allows younger businesses to apply if they meet the following requirements:

• Have at least one co-founder or director born between 1981 and 1996.
• Minimum 30% local shareholding by Singapore citizens or permanent residents.
• Operating and registered in Singapore for at least 6 months but less than 2 years.

You can download the application form and supporting document checklist from the Maybank Credit Card page, then send the completed form and scanned documents via email to sg.businesscards@maybank.com.[5] After submission, you may also be required to forward the physical forms and documents to the bank’s business address.

OCBC, a Singaporean multinational bank, offers a business credit card designed for eco-conscious businesses. It targets companies prioritising sustainability by providing rebates on expenses at selected green merchants, along with rebates on foreign currency transactions and a 53-day interest-free period.[6]

Key Benefits

• 3% rebate: Earn a 3% rebate when paying at selected eco-friendly merchants, including Microsoft, Meta, LinkedIn, Xero, and QuickBooks.
• Rebate on transactions: Earn a 1% rebate on foreign currency transactions and 0.2% on SGD transactions.
• 53-day interest-free period: Manage business expenses with an extended interest-free period before repayment is required.
• Sustainability Spend Index (SSI): Measure your business’s carbon emissions based on spending patterns displayed in your credit card statement.

Sole proprietorships, limited partnerships, limited liability partnerships, and private limited companies with an annual turnover of SGD 20 million or less and an existing OCBC Business Account are eligible to apply for the OCBC Business Credit Card.

The applicant must be over 21 years old and be the sole proprietor, partner, director, or shareholder of the company.

The Citi Business Card is a commercial credit card offered by Citibank Singapore. It provides various benefits on top of credit access to help manage and maximise business expenses.[7] Cardholders can also conveniently manage the card on the Citi Mobile App, including downloading monthly statements, checking point balances, locking and unlocking cards, and activating new cards.

Key Benefits

• Enhanced cash flow: Up to 55 days of interest-free credit.
• Enhanced protection: Complimentary corporate liability waiver insurance covering up to USD 25,000 per card member (capped at USD 1,650,000 per company) to protect against employee card misuse.
• Rewards programme: Earn 2 Citi ThankYou Points per SGD 1 spent, redeemable for cash rebates or rewards.
• Citi World Privileges: Access exclusive deals and discounts with partners, including Agoda and Google Ads by Adzooma.

We could not find any information about the eligibility requirements and application process for the Citi Business Card on the website. For accuracy, we recommend contacting Citibank Singapore directly by visiting a branch or calling the credit card application hotline at +65 6363 6666.

The HSBC World Corporate Mastercard® provides a simple way to control business expenses and manage working capital efficiently. Offered by HSBC Singapore, a subsidiary of the international HSBC banking group, the card is universally accepted and allows cash withdrawals at over 1 million ATMs and bank branches worldwide.[8]

Key Benefits

• Control of business expenditure: Apply spending limits and transaction restrictions for cardholders and approved suppliers.
• Working capital management: Up to 53 interest-free days and real-time reporting insights to compare costs and control expenses.
• Fraud protection: Detect fraudulent transactions with advanced fraud detection software and secure corporate liability protection against deliberate misuse by cardholders.
• Cash withdrawal: Withdraw cash from over 1 million ATMs worldwide.
• Mastercard® Easy Savings Specials: Unlock offers on a wide range of business essentials, including DocuSign, Shopify, and Xero.

We could not find the pricing page or fee information for the HSBC World Corporate Mastercard® on the website. For accurate details, we recommend contacting HSBC Singapore directly.

The eligibility requirements for the HSBC World Corporate Mastercard® are not available on the website. However, to apply, you must have a business account with HSBC Singapore. Applications can be made through your Relationship Manager or by calling the customer service hotline at 1800 216 9008.

Every business is different, and while one card might be a good option for some, it may not be the right choice for all. Selecting the right business credit card based on your company’s spending habits, financial priorities, and operational needs is crucial to preventing debt or overspending. 

Here are the 5 steps to help you choose the right business credit card:

• Step 1 - Understand your business spending habits: Look at where your business spends the most. For example, if you frequently travel, a card with air miles or travel perks like airport lounge access would be ideal. 
• Step 2 - Choose the right reward type: Different cards offer cashback, points, or travel rewards. If your company prefers direct cost savings, a cashback card might be best. If you value flexibility, a points-based rewards programme can allow redemptions for various perks.
• Step 3 - Check the fees and interest rates: Some business credit cards have annual fees, foreign transaction fees, or high interest on unpaid balances. Make sure the rewards and perks outweigh the costs, especially if your business might carry a balance.
• Step 4 - Review eligibility requirements: Some cards require a minimum business revenue, business age, or existing banking relationship with the issuer. Check if your company qualifies before applying to avoid unnecessary credit inquiries.
• Step 5 - Compare the shortlisted credit cards: Narrow down your options and compare them side by side. Look at key factors mentioned in the earlier steps and pick the card that offers the best overall value for your business.

A business credit card is a valuable tool for managing expenses while earning rewards and benefits, but it’s not the only option available.

While corporate credit cards often come with attractive perks, startups and early-stage businesses might struggle to qualify due to revenue, business age, or credit score requirements. Alternatively, you may prefer greater control over spending to prevent overspending in the early stages. Here are some of the options to consider:

• Prepaid Cards – Good for budgeting and employee expense control. Since you must top up the card before use, spending is limited to the available balance. Many non-bank business account providers, such as Statrys, offer prepaid physical and virtual cards. 
• Business Debit Cards – Linked directly to a bank account, avoiding interest and debt. Some offer multi-currency support, allowing businesses to spend in different currencies with competitive foreign exchange fees. For example, Revolut Corporate Cards function as debit cards, providing seamless international spending with low FX fees.

While we have listed the top business credit cards in Singapore, the best one depends on several factors unique to your business. Whether you're looking for cashback, travel benefits, or expense management tools, there is a card designed to suit different business needs.

Remember, a business credit card isn’t the only option. If your company struggles with fluctuating cash flow or needs stricter spending control, alternatives like prepaid cards or business debit cards might be a better fit. Exploring all options before making a decision ensures you choose the best financial tool for your business.