Owning a business credit card essentially saves you the confusion that comes from mixing up your personal expenses with that of your business. It allows easier handling of business and personal accounts separately, thus giving you more clarity about your finances.  

Depending on the type and scale of your business, you can decide to own one or more credit cards. It is best for business owners to sign up for one that covers your expenses and earns you rewards. 

The type of business credit cards offered in Singapore is aplenty. More so, the rewards offered in terms of cashback, air miles and rewards points can be useful for you. 

Here are some amazing business credit cards you can sign up for right away. 

Standard Chartered Business Platinum Card

For earning reward points that can be converted into air miles, the Standard Chartered Business Platinum card would be the best choice. 

It offers you one of the lowest annual fees charged at only S$160.50. Not only that but you are also entitled to an annual fee waiver for the first three years of use. 

Each S$1 that you spend will earn you 1 reward point. The best categories to earn the cashback is dining and retail expenses. There is the EasyPay benefit that allows you to convert your big purchases of over S$500 into either six or 12 months zero interest instalments. And that too with a one-time basis service fee. 

Furthermore, the 24-hour Visa Platinum Concierge gives you a luxury travelling experience. From hotel reservations to shopping, you get to enjoy the promotions from The Good Life program. The special privileges you get to enjoy in over 3,000 outlets all over Asia, is surely something you would not want to miss.

Maybank Business Platinum Mastercard

If you are looking for a flexible credit limit, then the best answer to your search is the Maybank Business Platinum Mastercard. 

Based on your company’s profitability, Maybank is able to offer you independent limits even for multiple cards, should you prefer to apply for more than one credit card. As a matter of fact, there is an offer of 51 interest-free days when you make purchases. 

With this credit card, you get to earn 1 TREATS Points for every S$1 you spend on dining and local spending. These TREATS Points are redeemable for air miles, vouchers and plenty of other deals. 

You will be welcomed with an annual fee waiver for two years. As a bonus, you get complimentary Airport Lounge access at selected VIP airport lounges. This is applicable with a minimum of S$1,000 charged in a single transaction within a three-month period

To add on, there will be detailed statements sent to you every month which makes tracking of your company’s expenses more convenient. 

UOB Regal Business Metal Card

UOB Regal Business Metal card comes with exclusivity and sophistication. 

To begin with, you are welcomed with a complimentary Accor Plus membership that is worth up to S$299. This membership offers you the exclusivity of a four-night stay with the price of three nights. With the Le Club AccorHotels loyalty programme, you will be automatically enrolled into the Silver membership status. 

It is the best card to offer you luxury dining and unlimited airport lounge access. Alongside your business class travels, you also get up to 12 complimentary Drive Home Valet Service and the Fraser World Diamond membership. 

As the credit card holder, you get a 2% cashback on dining expenses. It does not just stop there as discounts up to 50% at over 1,100 restaurants with the Accor Plus membership is offered to you as well. If you visit the Grand Hyatt Singapore for lunches during the weekdays, then an additional 50% discount is yours. 

With 2% cashback on overseas expenses, 1.5% cashback on local retails and 0.3% cashback on utilities, the UOB Regal credit card is surely a good choice. 

Citi Business Card

For all the easy points you can earn, you will love the Citi Business card. 

Every S$1 that you spend will earn you 2 Citi ThankYou points. This is equivalent to a cashback of 0.45% or if you want to redeem your air miles, every dollar is worth 0.8 miles.

Get ready to earn reward points when you spend on your office meals, supplies and even business trips. If you are thinking of expanding your business, this credit card offers you up to S$100,000 credit line for business expansion. 

Other than all these exciting privileges, you are entitled to a corporate liability waiver insurance that covers up to US$25,000. You also get covered for any card misuse up to US$1.65 million for your company. Besides that, this credit card provides you with a travel insurance coverage of S$1 million when the full fare has been charged to the credit card. 

DBS World Business Card

Does your business require you to travel abroad regularly? Do you also need to spend in foreign currencies frequently?

If you said yes to both the questions above, your best option is the DBS World Business card. This is where maximum rewards and deals are offered for your air miles and shopping vouchers.  

Enjoy the 2% cashback or 2 air miles earned when you spend every S$1 abroad. For local spends on dining, travel reservations and entertainment, you get 1% cashback or 1 air miles. For every other transaction, you will still be earning either 0.3% cashback or 0.3 air miles. 

Part of the privileges includes up to 10 complimentary Priority Pass airport lounges every year. You can also get S$1 million travel insurance when you use this credit card for your entire trip. 

When your monthly expenses with this credit card are over S$3,500, you can easily earn up to S$105 cashback every month. 

Choose The Best-Suited Business Credit Card For Your Business Needs

Make running a business more convenient and rewarding by signing up for one of the best business credit cards in Singapore today.