7 best travel credit card in Singapore for businesses

Whether you are an SME or a multinational corporation, corporate travel is an essential part of business operations.


Business leaders, senior executives, and even sales teams rely on business travel to perform revenue-generating activities.


A travel-centric business credit card is essential to maximize your travel without depleting your resources.


Fortunately, Singapore offers some of the best credit cards for business travel, making it a cost-effective and pleasurable experience.


Looking for corporate credit cards for your business travel in Singapore? Here we have reviewed the features and benefits of some of the best travel credit card in Singapore and compared it with Volopay.

7 best travel credit card in Singapore for business travel

1. AMEX Singapore airlines business

This is one of the best travel credit card in Singapore for business travel for those who wish to get rewarded and save the costs of future trips while traveling.


Through their partnership with Singapore Airlines HighFlyer, AMEX offers exciting perks and features to their customers. The card offers a welcome bonus of SGD 300 statement credit on a spend of SGD 5,000 or more within the first three months.


AMEX offers interest-free purchases of up to 51 days and complimentary travel accidental insurance of up to SGD 1 million and trip cancellation coverage.


Luxury complimentary perks include huge discounts of up to 50% on dining across APAC, exclusive passes to premium airport lounges, and lots more.


AMEX Singapore Airlines Business card has some of the best air miles credit cards have to offer. Users can earn up to 8.5 HighFlyer points per SGD 1 spent on select Singapore Airlines Group flights and 1.8 HighFlyer points for every SGD 1 spent on other payments.


AMEX has waived the annual fee of SGD 299 for the first year, and customers can issue two supplementary cards (worth SGD 99 per card) for free. To be eligible for the AMEX Singapore Airlines Business credit card, applicants must be at least 21 years of age.


The minimum income requirements for this card are SGD 30,000 for citizens and permanent residents, and SGD 60,000 for foreigners with a good credit rating and a valid Unique Entity Number (UEN). One of the glaring drawbacks of this card is that most of the rewards offered are redeemable with Singapore Airlines only.

2. Citi PremierMiles

This credit card is ideal for budget travelers who fly frequently and are content with fewer perks and smaller fees.


Users earn 1.2 miles per SGD 1 local spend and 2 miles for international payments. Citi Premiermiles has some of the best air miles credit cards have to offer.


Their air miles never expire, which allows users to redeem them at their own discretion and offers tie-ups with 60 airlines and 8,000 hotels.


Customers get free travel insurance and two free lounge visits per year. The annual fee of SGD 192.60 is waived for the first year, and can receive a bonus of 10,000 miles when they renew their membership.


Users can earn air miles for payments such as taxes, rent, school fees, and a lot more. Under the Citi PremierMiles rewards program, customers can earn non-expiring CitiMiles, with each CitiMile equal to 1 mile when redeemed. An administrative fee of SGD 25 is levied for each redemption process.


Only citizens and permanent residents with an annual income of SGD 30,000 and foreigners earning SGD 42,000 are eligible for Citi PremierMiles.


Rebate is not applicable on credit card expenses such as institutional payments, gambling and betting, bill payments, and more. While Citi PremierMiles is ideal for frequent flyers, it lacks a lot of luxury perks that other credit cards offer.

3. DBS Altitude Visa

DBS Altitude Visa card is one of the best travel credit card for business travel for average-to-luxury users who do not want to compromise on air miles and perks.


With this card, users can earn 1.2 air miles for every SGD 1 local spend, 2 miles for international travel spends, and 3 miles per SGD 1 spent on shopping, flight, and hotel bookings done online.


DBS offers to waive off the annual fee of SGD 192.60 for the first year and waives it off each subsequent year when your annual spending exceeds SGD 25,000.


If you do choose to pay the annual fee, you instantly receive 10,000 bonus miles.


For the best air miles, credit cards such as DBS Altitude Visa are ideal since the miles earned never expire.


Perks such as free travel insurance, dining, and golfing privileges, and two free-of-cost airport lounge visits are attractive incentives provided by DBS. Users can further earn non-expiring DBS points which are redeemable in the form of vouchers, more air miles, or payment towards the annual fee.


To be eligible for DBS Altitude Visa, income requirements are set as SGD 30,000 for citizens and permanent residents, and SGD 45,000 for foreigners. Credit card expenditures such as bill payments and transfers and bank fees are not eligible for any rebates.

4. UOB PRVI Miles

UOB PRVI Miles is an AMEX offering and a formidable competitor in the best credit cards for business travel segment. It offers big rewards with cost-effective fee waivers and air miles.


Users get 1.4 miles for every SGD 1 local spend, 2.4 miles for every SGD 1 spent internationally, and up to 6 miles with prominent airlines and hotels.


While customers receive complimentary travel insurance and 8 free transfers to Changi Airport every year, they might have to miss out on premium luxury perks such as airport lounge visits, hotel, and car assistance, and more.


To balance this out, UOB PRVI waives off the annual fee of SGD 256.80 for the first year and rewards 20,000 bonus annual renewal miles on an annual expense worth SGD 50,000 and above.


Users can redeem the UOB PRVI UNI$ rewards for air miles or cashback. However, please note that the air miles for this card expire within 2 years from the date of earning.


To be eligible for UOB PRVI Miles, applicants must have an income of at least SGD 30,000 for citizens and permanent residents, and SGD 80,000 for foreigners.


Credit card payments such as tax payments, interest, late payment charges, and gambling are not eligible for any rewards.

5. OCBC Voyage

OCBC Voyage is one of the best credit cards for business travel for those who desire more flexibility owing to their unpredictable travel schedule without missing out on high-quality perks and easy mile redemption.


Users earn 1.3 miles on every SGD 1 local spend and 2.2 miles per SGD 1 spend overseas.


Users can greatly benefit from OCBC Voyage credit card’s eCommerce purchase protection, unlimited lounge access, and exclusive 2X limo transfers a month on spending SGD 5,000 domestically or internationally.


This card is perfect for customers who juggle higher FX payments. Although the card offers a non-waivable fee of SGD 488, it also offers 15,000 Voyage miles which do not expire and can be redeemed via the Voyage exchange hotline.


To be eligible for the OCBC Voyage credit card, users must have an income of SGD 120,000 for citizens and permanent residents, and SGD 120,000 for foreigners.


Credit card expenditures such as membership fees, payments for utilities and telecommunication services, and maintenance fees are not eligible for rewards.

6. Standard Chartered Visa Infinite

This credit card is extremely beneficial for opulent travellers who are keen to maximize their air miles and enjoy the utmost convenience.


With a minimum spend of SGD 2000 per month, users can earn 1.4 miles per SGD 1 spend locally and 3 miles per SGD 1 overseas spend.


Luxuries are in abundance with Standard Chartered Visa Infinite, as cardholders receive transport benefits like rental card upgrades, fuel savings, and a free 4-hour luxury yacht hire for an annual spend of SGD 75,000.


This card caters to frequent and affluent travelers who spend around SGD 6,000 per month. The perks and benefits received to balance out their non-waivable annual fee of SGD 588.50 along with the 35,000 welcome miles.


Unlike other cards, income tax payments made through Standard Chartered Visa Infinite credit card are eligible for non-expiry 360°Rewards Points. 


To be eligible for this card, applicants must have minimum income of SGD 30,000 for citizens and permanent residents, and SGD 60,000 for foreigners.


While SC Visa Infinite credit card allows income tax payments to be eligible for rewards, other expenses such as bank-related fees, bill payments, and insurance premiums are ineligible for rewards or rebates.

7. Maybank Horizon Visa Signature

If you have a bigger budget for local travel but do not want to miss out on overseas perks, then the Maybank Horizon Visa Signature card is one of the best credit cards for business travel.


It has the best air miles credit cards have to offer, with a massive 3.2 miles per local SGD 1 spend on dining, taxis and petrol including Grab which is twice the amount of what other credit cards offer, and an industry average of 2 miles per SGD 1 overseas spend.


Customers also get free travel insurance and access to exclusive airport lounges in form of a voucher for every SGD 1000 retail transaction using the credit card.


With a low monthly spend of SGD 300, users can unlock rewards which is great in comparison to other cards that demand monthly spending to be in thousands.


Maybank Horizon Visa Signature is far more affordable with its annual fee of SGD 180 waived off for three years and then subsequently waived with an annual spend of SGD 18,000. Spend rewards are given in points, redeemable as cash, vouchers, or air miles.


Income eligibility for Maybank Horizon Visa Signature is SGD 30,000 for citizens and permanent residents, and SGD 60,000 for foreigners.


The points acquired are prone to expire within 1 year from the quarterly period in which they were earned.


Furthermore, credit card expenditures such as fund transfers, cash advances, and tax payments are not eligible for reward points or rebates.

Manage your corporate travel with Volopay

With Volopay, you get to create unlimited virtual cards and give your employees branded physical cards to manage their corporate travel expenses.


From paying at hotels and restaurants, booking travel tickets and hotels to paying for commute and business meetings, assign cards so that your employees do not have to resort to paying for their business-related travel from their own pockets.


In case of any fraudulent transactions, you can always block and freeze your virtual and physical cards any time from any where and get a complete overview of all transactions and spends in real-time.


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Enhance your business travel experience with smart corporate cards