7 Best Corporate Credit Cards to Manage Business Expenses

For many businesses, a corporate credit card is more than just a payment tool — it’s a strategy to keep cash flow healthy.

With the right system, you can control spending limits for each division, track transactions in real time, and make financial reporting more transparent.

If you’re looking for options that fit your business needs, here are seven of the best corporate credit card recommendations to help streamline your operations.

1. Paper Horizon Card

The Paper Horizon Card from Paper is an attractive corporate credit card recommendation, especially for businesses looking to transition fully into digital payments.

Unlike conventional credit cards, the Horizon Card comes in both virtual and physical formats, which can be customized according to your team’s needs.

Each card can be assigned its own spending limit and transaction category, making it easier to control business expenses without the risk of overspending.

Its biggest advantage lies in flexibility and transparency. All transactions are automatically recorded on the Paper dashboard, complete with digital receipts and detailed reports.

With this card, you can enjoy high spending limits, easy budgeting for each business division, and up to 60 days of extended payment terms.

Sounds useful, right? Sign up with Paper and become eligible to apply for the Paper Horizon Card today.

2. BCA Corporate Card

The BCA Corporate Card has long been a favorite among large companies in Indonesia.

With a wide merchant network and organized monthly transaction reports, this card is convenient for operational expenses and corporate representation needs.

Its strengths include strong credibility and a solid reporting system, including integration with various enterprise accounting software.

However, the application process and requirements can be quite strict. The high initial limit also makes it more suitable for medium to large companies, not small businesses or startups.

3. BNI Corporate Card

The BNI Corporate Card is well-known for its strong facilities supporting business travel and intercity activities.

Many companies choose this card because BNI has extensive partnerships with airlines and hotels, making business travel payments easier.

Additionally, its consolidated billing system helps finance teams track expenses more easily.

However, because its main focus is on business travel, it’s less optimized for daily digital payments such as ads or software subscriptions.

The relatively high annual fee is also something to consider for long-term efficiency.

4. Mandiri Corporate Card

The Mandiri Corporate Card is a popular choice among companies with many operational activities.

Bank Mandiri provides digital reporting tools and user-specific spending limits, making it easier for finance teams to manage and review transactions from various branches.

This card works well for routine expenses such as office supplies, transportation, and vendor payments.

Unfortunately, not all reports are available in complete digital formats, and usage is still limited for online transactions.

For businesses that operate heavily online, this option may feel less flexible.

Read more: 7 Best Virtual Credit Cards — Perfect for F&B Businesses

5. CIMB Niaga Corporate Card

CIMB Niaga offers a fairly flexible approach to managing business finances.

Companies can assign different limits to each division or employee, and all transactions appear in a monthly report that can be exported to internal accounting systems.

This card is ideal for companies that need strict spending control across teams.

However, its international merchant coverage is not as extensive as global banks, and incentives for digital transactions are still limited.

So, while strong for domestic needs, the CIMB Corporate Card may not be the best choice for businesses with frequent international transactions.

6. HSBC Corporate Card

For multinational companies or businesses dealing with multi-currency transactions, the HSBC Corporate Card can be an excellent solution.

HSBC provides centralized global reporting and supports payments in various currencies with automatic conversion.

The security system is robust, offering real-time notifications and strict transaction monitoring.

However, this card is generally aimed at large corporations due to the complex application process and higher annual fees.

For small or medium-sized businesses, it may feel excessive.

7. Standard Chartered Corporate Card

This card is widely used by companies with international business activities.

With competitive exchange rates and centralized reporting, the Standard Chartered Corporate Card simplifies cross-border transactions, especially for importing goods or paying overseas partners.

Although it offers high security with multi-layer authorization, the application and approval process can take longer compared to local corporate cards.

Additionally, some reporting features are only available to large corporate clients.

Read more: 8 Best Free Invoice Generators, Packed with Benefits!

Conclusion

Those are the seven recommended corporate credit cards for your business.

Before choosing, make sure you understand your business’s main needs.

If your operations rely heavily on online activity and require maximum flexibility, corporate credit cards like the Paper Horizon Card can be an ideal option.

Most importantly, ensure that the card you choose provides clear reporting and integrates seamlessly with your accounting software.

That way, every transaction can be tracked and reported easily, without manually reviewing each one, and your chosen card will truly support your business operations.