Best SME Credit Cards for Small Businesses 2020

Business owners have a lot of difficult decisions to make, including which credit card to get. To simplify this decision and help you focus on growing your business, we've evaluated the best SME credit cards for small business owners.

Best SME Credit Card for Cashback:
Best SME Credit Card for Business Travellers:
Best SME Credit Cards for Networking Perks:
Best SME Credit Card for Supplier Discounts:
Best SME Credit Cards for Affordable Basics:
Best Elite SME Credit Card, by Invitation Only:
Best SME Credit Card for Cashback: Best SME Credit Card for Business Travellers: Best SME Credit Cards for Networking Perks: Best SME Credit Card for Supplier Discounts: Best SME Credit Cards for Affordable Basics: Best Elite SME Credit Card, by Invite Only:

Best SME Credit Card for Cashback

Focusing on cashback is a great way to accelerate earnings on everyday expenses.

DBS Visa Platinum Business Card: Affordable Boosted Cashback

  • Boosted cashback for 1st month
  • Promotions: Up to 5% cash rebate w/ S$2k spend in 1st month (up to S$100)
  • Annual fee: S$192.6, 1-year waiver
  • 0.4% cashback on general spend
  • Rewards for recurring bill-pay (Starhub, M1 Limited, SP Services)
  • Free travel accident insurance, up to S$1 million per cardholder
  • Free annual coverage of employee misuse (US$25k/cardholder, US$1.65 million/company)
DBS Visa Platinum Business Card offers one of the higher cashback rates amongst SME cards, at 0.40%. This rate is further boosted by welcome promotions, which frequently offer up to 5% cashback within the 1st month. This credit card is great for small businesses who want to maximise cash earnings on everyday expenses without having to pay a higher fee for extra travel perks and privileges. In fact, the S$192.6 fee is S$100+ less than SME alternatives with higher rates.


In addition to high rates, cardholders also enjoy free travel accident insurance of up to S$1 million. Other benefits include up to US$1.65 million coverage per company for employee misuse, rewards for payment of select recurring bills, and customisable credit limits for individual cardholders. Ultimately, DBS Visa Platinum Business Card is a great choice for businesses prioritising high cashback without the corresponding high annual fee.

  • Stand-Out: Boosted cashback for 1st month
  • Promotions: Up to 5% cash rebate w/ S$2k spend in 1st month (up to S$100)
  • Annual fee: S$192.6, 1-year waiver
  • 0.4% cashback on general spend
  • Rewards for recurring bill-pay (Starhub, M1 Limited, SP Services)
  • Free travel accident insurance, up to S$1 million per cardholder
  • Free annual coverage of employee misuse (US$25k/cardholder, US$1.65 million/company)
DBS Visa Platinum Business Card offers one of the highest cashback rates available amongst SME cards at 0.40%. This rate is further boosted by welcome promotions, which frequently offer up to 5% cashback within the 1st month. This credit card is great for small businesses who want to maximise cash earnings on everyday expenses without having to pay a higher fee for extra travel perks and privileges. In fact, the S$192.6 fee is S$100+ less than SME alternatives with higher rates.


In addition to high rates, cardholders also enjoy free travel accident insurance of up to S$1 million. Other benefits include up to US$1.65 million coverage per company for employee misuse, rewards for payment of select recurring bills, and customisable credit limits for individual cardholders. Ultimately, DBS Visa Platinum Business Card is a great choice for businesses prioritising high cashback without the corresponding high annual fee.

Best SME Credit Card for Business Travellers

If your business requires frequent travel, these cards are great for miles & travel perks.

American Express Singapore Airlines Business Card: SIA Loyalists

  • Welcome bonus of 30,000 HighFlyer miles
  • Promotions: Earn 30,000 HF welcome miles w/ S$5k spend in 1st 3 months
  • Earn 5,000 HF miles w/ S$500 spend w/ SIA in 12mo
  • Earn 15,000 HF miles w/ S$10k spend w/ SIA annually
  • Annual fee: S$299
  • Supplementary card fee: S$99 (1st 2 free)
  • 8.5 HighFlyer miles per S$1 spend on SIA & SilkAir flights
  • 2.5 HF miles per S$1 spend on goods & services w/ SIA, Scoot, SilkAir & KrisShop
  • 1.8 HF miles per S$1 general spend
  • 2 free lounge visits/year for cardholder & a guest
  • Accelerated KrisFlyer Elite Gold Status & complimentary 1-yr Accor Plus Membership
  • Hertz Gold Plus Rewards Programme & rental car privileges
  • Free travel inconvenience & accident insurance
For businesses that revolve around a great deal of overseas travel, American Express Singapore Airlines Business Card is an exceptional option, assuming a willingness to fly with Singapore Airlines. Every S$1 spend earns 1.8 HighFlyer miles, boosted to 2.5 miles for spend with SIA, Scoot, SilkAir & KrisShop, and the elevated even further to 8.5 miles for spend on SIA and SilkAir flights. HighFlyer miles are applied directly to your business's SIA account, and miles can be redeemed without caps, black-out dates or restrictions. This flexibility is ideal for last minute flight-bookings or urgent travel plans.


Amex SIA Business Card's luxury travel perks add even more value, making business trips especially convenient and low-stress for cardholders. Each cardholder enjoys 2 free lounge visits per year–for both themselves and a guest–plus free travel insurance, a complimentary Accor Plus Membership, and Hertz rental car privileges. With S$15k+ spend on SIA brands within the 1st year, a registered corporate traveller can also be upgraded to KrisFlyer Elite Gold status.

Finally, Amex SIA Business Card's welcome bonus is quite extraordinary. First time applicants receive an incredible 30,000 HF miles (credited to the business) with just S$5k spend within the 1st 3 months. An additional 5,000 miles is credited with S$500 spend with SIA within the 1st year, plus 15,000 HF miles with S$10k annual SIA spend. Altogether, this bonus comes to a potential 50,000 HF miles, which is equivalent to approximately S$500 in value. Ultimately, Amex SIA Business Card is definitely worth its higher annual fee of S$299, at least for those who fly exclusively with Singapore Airlines.

  • Stand-Out: Welcome bonus of 30,000 HighFlyer miles
  • Promotions: Earn 30,000 HF welcome miles w/ S$5k spend in 1st 3 months
  • Earn 5,000 HF miles w/ S$500 spend w/ SIA in 12mo
  • Earn 15,000 HF miles w/ S$10k spend w/ SIA annually
  • Annual fee: S$299
  • Supplementary card fee: S$99 (1st 2 free)
  • 8.5 HighFlyer miles per S$1 spend on SIA & SilkAir flights
  • 2.5 HF miles per S$1 spend on goods & services w/ SIA, Scoot, SilkAir & KrisShop
  • 1.8 HF miles per S$1 general spend
  • 2 free lounge visits/year for cardholder & a guest
  • Accelerated KrisFlyer Elite Gold Status & complimentary 1-yr Accor Plus Membership
  • Hertz Gold Plus Rewards Programme & rental car privileges
  • Free travel inconvenience & accident insurance
For businesses that revolve around a great deal of overseas travel, American Express Singapore Airlines Business Card is an exceptional option, assuming a willingness to fly with Singapore Airlines. Every S$1 spend earns 1.8 HighFlyer miles, boosted to 2.5 miles for spend with SIA, Scoot, SilkAir & KrisShop, and the elevated even further to 8.5 miles for spend on SIA and SilkAir flights. HighFlyer miles are applied directly to your business's SIA account, and miles can be redeemed without caps, black-out dates or restrictions. This flexibility is ideal for last minute flight-bookings or urgent travel plans.


Amex SIA Business Card's luxury travel perks add even more value, making business trips especially convenient and low-stress for cardholders. Each cardholder enjoys 2 free lounge visits per year–for both themselves and a guest–plus free travel insurance, a complimentary Accor Plus Membership, and Hertz rental car privileges. With S$15k+ spend on SIA brands within the 1st year, a registered corporate traveller can also be upgraded to KrisFlyer Elite Gold status.

Finally, Amex SIA Business Card's welcome bonus is quite extraordinary. First time applicants receive an incredible 30,000 HF miles (credited to the business) with just S$5k spend within the 1st 3 months. An additional 5,000 miles is credited with S$500 spend with SIA within the 1st year, plus 15,000 HF miles with S$10k annual SIA spend. Altogether, this bonus comes to a potential 50,000 HF miles, which is equivalent to approximately S$500 in value. Ultimately, Amex SIA Business Card is definitely worth its higher annual fee of S$299, at least for those who fly exclusively with Singapore Airlines.

Best SME Credit Cards for Networking Perks

Business often involves working with others; these credit cards offer discounts on everything from dining and entertainment to travel bookings, so it's easy to save on every networking trip.

DBS World Business Card: Perks & Privileges for High-End Execs

  • Up to 10 lounge visits/year with Priority Pass
  • Promotions: Up to 5% cash rebate w/ S$4k spend in 1st month (up to S$200)
  • Annual fee: S$406.6, 1-year waiver
  • 2% cashback overseas, 1% on local dining, entertainment & travel
  • 0.30% cashback on general spend
  • Up to 10 free lounge visits/year via Priority Pass
  • MasterCard Easy Savings & DBS Business Benefits Promotions
  • Rewards for recurring bill-pay (Starhub, M1 Limited)
  • Free travel accident insurance, up to S$1 million per cardholder
  • Free annual coverage of employee misuse (US$25k/cardholder, US$1.65 million/company)
DBS World Business Card is by far one of the best SME credit cards in terms of its high rewards rate, luxury travel perks, and comprehensive set of supplier discounts–however, it may not be affordable for all. The annual fee of S$406.6, which is waived just the 1st year, is more than double that charged by most other SME cards on the market.


Nonetheless, DBS World Business Card's fee is validated by its incredible range of perks, many of which are ideal for networking. To start, cardholders receive an additional 5%+ rebate, which is automatically credited to the account, for spend with select MasterCard Easy Pay merchants. Eligible vendors span from hotels and restaurants to business services like Microsoft & Apple. Additional MasterCard Privileges offer discounts on golf, entertainment and shopping worldwide, and DBS Business Benefits provides fuel savings. Paired with a 1% rebate on all local dining, entertainment & travel, these perks make DBS Business World a remarkable option for those with meaningful social spend–perhaps those entertaining prospects or collaborating with peers.

Beyond these perks, DBS Business World also rewards travel and spend overseas. Cardholders earn 2% cashback for purchases in foreign currency, and also enjoy up to 10 free lounge visits per year and free travel insurance. Overall, DBS Business World is an ideal SME credit card for high-end business travellers with a client-facing or social role.

  • Stand-Out: Up to 10 lounge visits/year with Priority Pass
  • Promotions: Up to 5% cash rebate w/ S$4k spend in 1st month (up to S$200)
  • Annual fee: S$406.6, 1-year waiver
  • 2% cashback overseas, 1% on local dining, entertainment & travel
  • 0.30% cashback on general spend
  • Up to 10 free lounge visits/year via Priority Pass
  • MasterCard Easy Savings & DBS Business Benefits Promotions
  • Rewards for recurring bill-pay (Starhub, M1 Limited)
  • Free travel accident insurance, up to S$1 million per cardholder
  • Free annual coverage of employee misuse (US$25k/cardholder, US$1.65 million/company)
DBS World Business Card is by far one of the best SME credit cards in terms of its high rewards rate, luxury travel perks, and comprehensive set of supplier discounts–however, it may not be affordable for all. The annual fee of S$406.6, which is waived just the 1st year, is more than double that charged by most other SME cards on the market.


Nonetheless, DBS World Business Card's fee is validated by its incredible range of perks, many of which are ideal for networking. To start, cardholders receive an additional 5%+ rebate, which is automatically credited to the account, for spend with select MasterCard Easy Pay merchants. Eligible vendors span from hotels and restaurants to business services like Microsoft & Apple. Additional MasterCard Privileges offer discounts on golf, entertainment and shopping worldwide, and DBS Business Benefits provides fuel savings. Paired with a 1% rebate on all local dining, entertainment & travel, these perks make DBS Business World a remarkable option for those with meaningful social spend–perhaps those entertaining prospects or collaborating with peers.

Beyond these perks, DBS Business World also rewards travel and spend overseas. Cardholders earn 2% cashback for purchases in foreign currency, and also enjoy up to 10 free lounge visits per year and free travel insurance. Overall, DBS Business World is an ideal SME credit card for high-end business travellers with a client-facing or social role.

Maybank Business Platinum MasterCard: Affordable Perks & Discounts

  • Travel & local dining discounts, 2-yr fee waiver
  • Annual fee: S$180.0, 2-year waiver
  • 0.40% cashback (1 TREAT pt per S$1 spend)
  • Rewards for recurring bill-pay
  • 1 free lounge visit per S$1k single transaction
  • Free travel accident insurance, up to S$1 million per cardholder
  • Global concierge, dining & travel privileges
Maybank Business Platinum MasterCard is one of the most affordable SME credit cards that still offers a wide variety of perks and privileges. To begin with, cardholders earn 1 TREAT point per S$1 spend, which is equivalent to 0.4% cashback. This rate is higher than the 0.3% base standard offered by similar cards. Additionally, the moderate S$180.0 fee is waived for 2 years. Most SME cards offer just a 1-year waiver.


In terms of perks, MB Business Platinum offers practical benefits like flexible credit limits, rewards for automatic bill pay, extended interest-free crediting and more. However, the card comes with additional benefits that support client-facing or social employees. For example, cardholders can receive as much as 20% off dining bills at high-end restaurants around Singapore, making it easy to entertain clients or to plan group outings for coworkers. The TREATS Rewards Programme likewise offers discounts at Michelin-listed restaurants.

Business travellers can also benefit from global concierge services, free travel insurance and complimentary lounge access (1 visit per S$1k transaction). MasterCard promotions frequently offer free nights at exclusive hotels both locally and worldwide. Therefore, those that conduct business overseas can still enjoy perks and savings in their travels. Nonetheless, MB Business Platinum Card is still a bit less accessible than alternatives. Companies must be registered in Singapore, have at least 1 local Director, and must have been in operation for 2+ years with an annual sales turnover of S$200k+.

  • Stand-Out: Travel & local dining discounts, 2-yr fee waiver
  • Annual fee: S$180.0, 2-year waiver
  • 0.40% cashback (1 TREAT pt per S$1 spend)
  • Rewards for recurring bill-pay
  • 1 free lounge visit per S$1k single transaction
  • Free travel accident insurance, up to S$1 million per cardholder
  • Global concierge, dining & travel privileges
Maybank Business Platinum MasterCard is one of the most affordable SME credit cards that still offers a wide variety of perks and privileges. To begin with, cardholders earn 1 TREAT point per S$1 spend, which is equivalent to 0.4% cashback. This rate is higher than the 0.3% base standard offered by similar cards. Additionally, the moderate S$180.0 fee is waived for 2 years. Most SME cards offer just a 1-year waiver.


In terms of perks, MB Business Platinum offers practical benefits like flexible credit limits, rewards for automatic bill pay, extended interest-free crediting and more. However, the card comes with additional benefits that support client-facing or social employees. For example, cardholders can receive as much as 20% off dining bills at high-end restaurants around Singapore, making it easy to entertain clients or to plan group outings for coworkers. The TREATS Rewards Programme likewise offers discounts at Michelin-listed restaurants.

Business travellers can also benefit from global concierge services, free travel insurance and complimentary lounge access (1 visit per S$1k transaction). MasterCard promotions frequently offer free nights at exclusive hotels both locally and worldwide. Therefore, those that conduct business overseas can still enjoy perks and savings in their travels. Nonetheless, MB Business Platinum Card is still a bit less accessible than alternatives. Companies must be registered in Singapore, have at least 1 local Director, and must have been in operation for 2+ years with an annual sales turnover of S$200k+.

Best SME Credit Card for Supplier Discounts

SME credit cards can provide more than just rewards for spending, they often also offer savings on select business services.

UOB Platinum Business Card: Discounted Commercial Privileges

  • Extensive discounts on utilities, logistics and other essential business services
  • Annual fee: S$180.0, 1-year waiver
  • 0.30% cashback on general spend
  • UOB SMART$ Rebate & UOB Commercial Privileges Programmes
  • MasterCard Easy Savings
  • Free travel accident insurance, up to S$1 million per cardholder
Businesses looking for corporate perks and discounts with key vendors should definitely consider UOB Platinum Business Card, which offers one of the most comprehensive sets of business privileges on the market. The card comes with several distinct benefits programmes. The first, UOB Commercial Privileges, provides exclusive offers on all types of spend, from utilities and tech services to logistics. UOB SMART$ Rebates, another programme, offers up to 10% rebate with select insurance, petrol & other types of merchants. Finally, with MasterCard Easy Savings programme, cardholders' spend on select business services (including Microsoft, Apple, Logitech & more) earns a 5% rebate, which is automatically credited to the account. When combined with the card's flat 0.30% rebate on all spend, it's easy to maximise savings with UOB Platinum Business Card.


Beyond supplier discounts, cardholders also enjoy free travel accident insurance. While there is a S$180.0 annual fee, it's rather moderate compared to the general market and is also waived the 1st year.

  • Stand-Out: Discounts on utilities, logistics & other essential business services
  • Annual fee: S$180.0, 1-year waiver
  • 0.30% cashback on general spend
  • UOB SMART$ Rebate & UOB Commercial Privileges Programmes
  • MasterCard Easy Savings
  • Free travel accident insurance, up to S$1 million per cardholder
Businesses looking for corporate perks and discounts with key vendors should definitely consider UOB Platinum Business Card, which offers one of the most comprehensive sets of business privileges on the market. The card comes with several distinct benefits programmes. The first, UOB Commercial Privileges, provides exclusive offers on all types of spend, from utilities and tech services to logistics. UOB SMART$ Rebates, another programme, offers up to 10% rebate with select insurance, petrol & other types of merchants. Finally, with MasterCard Easy Savings programme, cardholders' spend on select business services (including Microsoft, Apple, Logitech & more) earns a 5% rebate, which is automatically credited to the account. When combined with the card's flat 0.30% rebate on all spend, it's easy to maximise savings with UOB Platinum Business Card.


Beyond supplier discounts, cardholders also enjoy free travel accident insurance. While there is a S$180.0 annual fee, it's rather moderate compared to the general market and is also waived the 1st year.

Best SME Credit Card for Affordable Basics

These credit cards are simple, straightforward and easy to use.

Standard Chartered Business Platinum Card: 0% Interest Instalment Plan

  • 3-Year fee waiver & 0% interest instalment plan
  • Promotions: Receive S$50 cashback on electricity bill w/ select vendors
  • Annual fee: S$160.5, 3-year waiver
  • 0.30% cashback (1 pt per S$1 spend)
  • 0% Interest instalment plan
  • Visa Platinum Concierge & Live The Good Life privileges
Not only is Standard Chartered Business Platinum Card one of the most affordable SME credit cards, it's also great for small businesses that need to make big purchases they can't pay for upfront. To begin with, all spend earns 0.30% cashback, and perks–while limited–include concierge service and The Good Life lifestyle discounts. What really stands out is access to a 0% interest instalment plan, which makes it easier to pay for big purchases (such as new equipment or maintenance) over an extended period of time.


SC Business Platinum Card also has one of the lowest annual fees on the market at just S$160.5. Even more, this fee is waived for a full 3 years–that's far more than the standard 1-year waiver offered by most competitors. This low cost, paired with the card's instalment programme, make SC Business Platinum Card a great match for smaller businesses that are just starting up.

  • Stand-Out: 3-Year fee waiver & 0% interest instalment plan
  • Promotions: Receive S$50 cashback on electricity bill w/ select vendors
  • Annual fee: S$160.5, 3-year waiver
  • 0.30% cashback (1 pt per S$1 spend)
  • 0% Interest instalment plan
  • Visa Platinum Concierge & Live The Good Life privileges
Not only is Standard Chartered Business Platinum Card one of the most affordable SME credit cards, it's also great for small businesses that need to make big purchases they can't pay for upfront. To begin with, all spend earns 0.30% cashback, and perks–while limited–include concierge service and The Good Life lifestyle discounts. What really stands out is access to a 0% interest instalment plan, which makes it easier to pay for big purchases (such as new equipment or maintenance) over an extended period of time.


SC Business Platinum Card also has one of the lowest annual fees on the market at just S$160.5. Even more, this fee is waived for a full 3 years–that's far more than the standard 1-year waiver offered by most competitors. This low cost, paired with the card's instalment programme, make SC Business Platinum Card a great match for smaller businesses that are just starting up.

Citi Corporate Card: Flexible Liability Options

  • Low cost & flexible designation of card liability
  • Annual fee: S$160.5
  • 0.40 miles (1 pt) per S$1 spend
  • Free travel accident insurance, up to S$1 million per cardholder
  • Free annual coverage of employee misuse (US$25k/cardholder, US$1.65 million/company)
Citi Corporate Card is fairly simple and therefore, is quite easy to use. Every S$1 spend earns 1 Citi ThankYou Point, which is equivalent to 0.40 miles. Points can alternatively be redeemed for cash rebate or rewards vouchers. Perks are limited to free travel accident insurance, though some cardmembers–depending on liability type–can enjoy a contactless payment feature.


Speaking of variation, card features differ slightly depending on designated liability type. Companies have the option to decide between Sole Corporate Liability, Joint & Several Liability or Cardmember/Personal Liability. Essentially, these designations just reflect who assumes responsibility for making on-time card payments. All types earn the same rewards rate, but the minimum income requirement for foreign employees is higher with cardmember/personal liability than with other types (S$42k compared to S$30k). In all cases, the company's minimum net worth must be S$50k+, with the exact requirement depending on years of operation.

Finally, the card's annual fee is just S$160.5, which is lower than some competitors'. All things considered, Citi Corporate Card is probably best fit for larger companies seeking a less expensive and easy to use card, all without having to pay for unnecessary perks and privileges.

  • Stand-Out: Low cost & flexible designation of card liability
  • Annual fee: S$160.5
  • 0.40 miles (1 pt) per S$1 spend
  • Free travel accident insurance, up to S$1 million per cardholder
  • Free annual coverage of employee misuse (US$25k/cardholder, US$1.65 million/company)
Citi Corporate Card is fairly simple and therefore, is quite easy to use. Every S$1 spend earns 1 Citi ThankYou Point, which is equivalent to 0.40 miles. Points can alternatively be redeemed for cash rebate or rewards vouchers. Perks are limited to free travel accident insurance, though some cardmembers–depending on liability type–can enjoy a contactless payment feature.


Speaking of variation, card features differ slightly depending on designated liability type. Companies have the option to decide between Sole Corporate Liability, Joint & Several Liability or Cardmember/Personal Liability. Essentially, these designations just reflect who assumes responsibility for making on-time card payments. All types earn the same rewards rate, but the minimum income requirement for foreign employees is higher with cardmember/personal liability than with other types (S$42k compared to S$30k). In all cases, the company's minimum net worth must be S$50k+, with the exact requirement depending on years of operation.

Finally, the card's annual fee is just S$160.5, which is lower than some competitors'. All things considered, Citi Corporate Card is probably best fit for larger companies seeking a less expensive and easy to use card, all without having to pay for unnecessary perks and privileges.

Best Elite SME Credit Card, By Invite-Only

Companies willing to invest a great deal in their executives can unlock the most prestigious privileges and luxury perks with this by invite-only SME credit card.

UOB Regal Business Metal Card: Luxury Perks & Exclusive Memberships

  • Unlimited lounge access, complimentary green fees & exclusive hotel memberships worldwide
  • By invite only
  • Annual fee: S$680
  • 2% rebate on dining & overseas, 1.5% locally, 0.3% on utilities
  • Unlimited lounge access via LoungeKey
  • 4 free green fees in SE Asia
  • 12 free "Drive Home Valet Service" annually
  • Free Accor Plus Membership & 1N free w/ 3N hotel stay
  • Elite DISCOVERY Black status & free Fraser World Diamond Membership
  • Free travel accident insurance, up to S$500k per cardholder
UOB Regal Business Metal Card parallels the most extraordinary personal luxury cards–both in perks and annual cost–and is ultimately perfect for top executives. To start, this credit card is not accessible for everyone. The annual fee is S$680, much higher than most competitors', and while companies can register interest online, they cannot apply directly.


Companies who can overcome these barriers open their employee cardmembers to a myriad of luxury perks. Cardholders enjoy unlimited lounge access, free travel insurance, and complimentary Accor Plus, Fraser World Diamond & Elite DISCOVERY Black Status memberships. Other perks include 4 free green fees in Asia Pacific & 12 free valet services per year. Altogether, these benefits allow executives to enjoy top-tier comfort when travelling, plus golfing privileges which can help with networking. In most cases, these perks truly validate the expensive annual fee.

Finally, cardholders earn 2% cashback on dining & overseas, 1.5% locally and 0.3% on utilities. These rates are much higher than the market standard for SME cards, making UOB Regal Business Metal Card an excellent option for high-spending executives with frequent business travel. Ultimately, while this card may not be appropriate for the everyday employee, its luxury perks and privileges may be a perfect fit for upper management.

  • Stand-Out: Unlimited lounge, free green fees, exclusive hotel memberships
  • By invite only
  • Annual fee: S$680
  • 2% rebate on dining & overseas, 1.5% locally, 0.3% on utilities
  • Unlimited lounge access via LoungeKey
  • 4 free green fees in SE Asia
  • 12 free "Drive Home Valet Service" annually
  • Free Accor Plus Membership & 1N free w/ 3N hotel stay
  • Elite DISCOVERY Black status & free Fraser World Diamond Membership
  • Free travel accident insurance, up to S$500k per cardholder
UOB Regal Business Metal Card parallels the most extraordinary personal luxury cards–both in perks and annual cost–and is ultimately perfect for top executives. To start, this credit card is not accessible for everyone. The annual fee is S$680, much higher than most competitors', and while companies can register interest online, they cannot apply directly.


Companies who can overcome these barriers open their employee cardmembers to a myriad of luxury perks. Cardholders enjoy unlimited lounge access, free travel insurance, and complimentary Accor Plus, Fraser World Diamond & Elite DISCOVERY Black Status memberships. Other perks include 4 free green fees in Asia Pacific & 12 free valet services per year. Altogether, these benefits allow executives to enjoy top-tier comfort when travelling, plus golfing privileges which can help with networking. In most cases, these perks truly validate the expensive annual fee.

Finally, cardholders earn 2% cashback on dining & overseas, 1.5% locally and 0.3% on utilities. These rates are much higher than the market standard for SME cards, making UOB Regal Business Metal Card an excellent option for high-spending executives with frequent business travel. Ultimately, while this card may not be appropriate for the everyday employee, its luxury perks and privileges may be a perfect fit for upper management.

Duckju Kang

Duckju is the CEO of ValueChampion. He covers the financial services industry, consumer finance products, budgeting, and investing. He previously worked in the financial services industry, including at such hedge funds such as Tiger Asia and Cadian Capital.

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