Best Business Credit Cards Singapore 2026
Compare Singapore's top business credit cards for companies, SMEs, and entrepreneurs. Find cards with expense management, cashback rewards, and corporate benefits.
Business Focus: This guide covers corporate cards, SME cards, and business expense solutions designed specifically for Singapore companies and entrepreneurs.
Top Business Credit Cards at a Glance
| Card | Annual Fee | Cashback Rate | Key Benefits | Best For |
|---|---|---|---|---|
DBS Business Card Corporate Cashback | S$120 | Up to 1.2% | Expense management, No FX fees | Large corporations |
OCBC Business Card SME Cashback | S$80 | Up to 1.5% | SME benefits, Low minimum spend | Small-medium businesses |
UOB Business Card Corporate Plus | S$150 | Up to 2.0% | Travel benefits, Premium perks | Frequent business travel |
Citi Business Card Corporate Rewards | S$100 | Up to 1.8% | Global network, Expense tools | International business |
HSBC Business Card SME Solutions | S$60 | Up to 1.0% | Banking integration, Low fees | HSBC business account holders |
Detailed Business Credit Card Reviews
DBS Business Card
Best for Large Corporations
Key Features
- • Up to 1.2% cashback on all spending
- • No foreign exchange fees
- • Comprehensive expense management system
- • Multiple supplementary cards
- • Real-time expense tracking
- • Integration with accounting software
Fees & Requirements
- • Annual fee: S$120
- • Minimum income: S$120,000 (company)
- • No annual fee waiver available
- • Late payment fee: S$60
- • Overlimit fee: S$60
Why Choose This Card
Ideal for large corporations needing robust expense management tools. The no FX fees benefit is particularly valuable for companies with international operations.
OCBC Business Card
Best for SMEs
Key Features
- • Up to 1.5% cashback on business spending
- • Lower minimum income requirements
- • SME-focused benefits and services
- • Business banking integration
- • Simplified expense reporting
- • Flexible payment terms
Fees & Requirements
- • Annual fee: S$80
- • Minimum income: S$60,000 (company)
- • First year fee waiver available
- • Late payment fee: S$50
- • Cash advance fee: 6% (min S$15)
Why Choose This Card
Perfect for small to medium enterprises with lower income requirements and SME-specific benefits. Good integration with OCBC business banking services.
UOB Business Card
Best for Business Travel
Key Features
- • Up to 2.0% cashback on travel spending
- • Complimentary airport lounge access
- • Travel insurance coverage
- • Priority check-in services
- • Hotel status upgrades
- • 24/7 concierge service
Fees & Requirements
- • Annual fee: S$150
- • Minimum income: S$150,000 (company)
- • No fee waiver available
- • Foreign transaction fee: 3.25%
- • Late payment fee: S$70
Why Choose This Card
Excellent for businesses with frequent travel needs. Premium benefits and high cashback rates on travel-related expenses make it ideal for companies with mobile teams.
How to Choose the Right Business Credit Card
Consider Your Business Type
Startups & SMEs
Look for lower minimum income requirements and flexible terms. OCBC Business Card is ideal.
Large Corporations
Focus on expense management tools and no FX fees. DBS Business Card offers comprehensive solutions.
Travel-Heavy Businesses
Prioritize travel benefits and lounge access. UOB Business Card provides premium travel perks.
Key Factors to Evaluate
- ✓Cashback Categories: Align with your major business expenses
- ✓Expense Management: Integration with accounting software
- ✓Credit Limit: Sufficient for business operations
- ✓Supplementary Cards: Number needed for employees
- ✓Payment Terms: Flexibility for cash flow management
- ✓Annual Fees: Cost vs benefits analysis
Business Credit Card Application Requirements
Required Documents
- • Company registration documents (ACRA)
- • Latest audited financial statements
- • Business license/permits
- • Bank statements (6 months)
- • GST registration certificate
- • Director's NRIC and income proof
- • Company stamp and authorization letter
Eligibility Criteria
- • Company registered in Singapore
- • Minimum 1 year business operation
- • Minimum annual turnover requirements
- • Good business credit history
- • Director must be Singapore resident/citizen
- • Company must be profitable or breaking even
- • No recent bankruptcy or winding up proceedings
Expert Tips for Business Credit Cards
Maximize Your Rewards
- • Use for all business expenses to maximize cashback
- • Set up automatic bill payments to avoid late fees
- • Monitor cashback caps and optimize spending
- • Use multiple cards for different expense categories
Manage Business Credit
- • Keep business and personal expenses separate
- • Pay balances in full to avoid interest charges
- • Monitor credit utilization ratios
- • Review statements regularly for accuracy
Ready to Apply for a Business Credit Card?
Compare rates, fees, and benefits to find the perfect business credit card for your company's needs.