8 Corporate Cards with Easy Submission, Suitable for All Types of Companies!

Managing business finances is often dizzying, especially if it is still mixed up with personal expenses. Not only does it make financial statements chaotic, but it also makes it difficult to accurately analyze a company's financial condition.

For you business owner, both small and large scale, it's time to switch to using kartica corporativo. This corporate credit card is designed specifically for business needs, so that every transaction can be recorded automatically.

Interestingly again, the submission of a few kartica corporativo It is also much easier and faster, without the need for complicated processes, you can apply online. Here are 8 kartica corporativo with easy submission, suitable for all types of companies!

1. Papier Horizon Card

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Paper Horizon Card is a corporate credit card from Paper.id specially designed to make it easier for companies to manage finances efficiently and practically. With its affordable cost and easy filing, this card is ideal to be used for a variety of business needs.

Here are some of the main benefits of using the Paper Horizon Card:

• Arrange budget as required: The company can set transaction limits for each team and activate or deactivate the card according to its internal policy.
• Card in the name of the company: Can be printed using PT name or CV, which can add credibility when transacting with business associates.
• Cashback 0.5% for digital transactions: Get cashback from transactions on online platforms such as Google Ads, Meta Ads, and Slack.
• Additional payment time of up to 60 days: Gives leeway to organize cash flow with more freedom.
• Low transaction costs: The transaction fee is only 1.3% for each transaction made through Paper.id.
• One Dashboard for all activities: Monitor the entire financial transactions of the company through a concise and easy-to-understand view.
• Automatic Reconciliation: Every transaction is recorded digitally and instantly synchronized, making financial data matching more efficient.

Interesting, isn't it? Paper Horizon Card can be the right solution for you who want to manage company finances in a more modern and intelligent way. Yuk, Apply for a Paper Horizon Card now!

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Also Read: Youtap CPM as Today's Online Transaction Solution

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2. Mega Corporate Card

Mega Corporate Card from Mega Bank is a corporate credit card to regulate payment needs between business divisions. This card can be used for a variety of purposes, from for the Human Capital team to payments digital ads for the marketing team.

Its main advantages include:

• Limit can be set as needed: Tim finance can set spending limits per division according to business policy.
• Flexible card management: You can issue several cards with different limits for each division or management level.
• Features dual control: Transactions can be monitored Real-time to prevent excess or unauthorized spending.

Unfortunately, the downside of Mega Corporate Card is a fairly high annual fee, about Rp 300 thousand, which is larger than other corporate credit cards.

3. Maybank Corporate Card

Maybank Corporate Card is a corporate credit card that offers various advantages to support the financial needs of businesses, both for local and international transactions.

Here are some of the main advantages kartica corporativo from Maybank's:

• Competitive courses: Facilitates international transactions with more stable costs, thus making it easier to record foreign expenditures.
• Detailed expense reports: Helps you organize more streamlined bookkeeping and identify expenses that can be optimized.
• Travel insurance up to Rp 1 Billion: Reduces the need for additional funding for business travel protection.

Despite its many advantages, its use needs to be well controlled. Premium facilities such as lounges airports and wide international transaction access could cause spending to swell if not carefully managed.

4th. BCA Visa Corporate

BCA Visa Corporate is the right option for medium to large scale companies that need flexible and efficient payment solutions.

Here are some advantages offered:

• Online access: Transaction information and card limits can be easily monitored via KlikBCA Business.
• Travel insurance up to IDR 600 million: You can get protection up to Rp 600 million for ticket purchase travel.
• Can be used all over the world: This card was accepted in more than 65,000 merchant in Indonesia and millions of others around the world who support Visa.

However, there are some fees to be aware of, such as 1% late penalty or maximum Rp 100 thousand, card replacement fee of about Rp 50 thousand if lost or damaged, as well as some other fees.

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Also Read: 4 Types of Payment Methods Most Used for Business Transactions

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5. BRI Corporate Card

Karta corporativo BRI is the right corporate credit card solution to pay for various operational needs and business travel, which comes with a fairly long payment tempo.

Some of its outstanding features:

• Maturity up to 25 days: Provides payment time up to 25 days from the time the bill is printed, helping to keep cash flow keep it smooth.
• Features Auto-debit: Facilitate regular payments such as electricity and internet automatically every month.

However, it is important to consider some additional costs such as the online transaction notification fee of IDR 7,500, fee e-statement Rp5.000, and other fees according to the conditions.

6. BNI Corporate Card

BNI Corporate Card is a corporate credit card from BNI that is specially designed for certain employees so that business transactions can be carried out more easily and controlled. Available in two variants: Gold and Platinum.

The main advantages include:

• Expense monitoring: Any employee expenses can be monitored in detail by Billing statement.
• Automatic Reconciliation: Facilitates auditing and recording expenses in financial statements.
• Help manage cash flow: Provides direct payment access to cardholders to maintain smooth cash flow.

However, if the use is not supervised, there can be waste or uncontrolled spending by employees and adversely affect the company's finances.

7. Mandiri Corporate Card

Mandiri has a corporate corporate card to make it easier to manage expenses and business travel for employees. Available in Gold (limit Rp10—40 million) and Platinum (limit up to Rp1 billion).

Its advantages include:

• Better control of expenses: Separating business and personal transactions to make financial records more orderly.
• Clear financial statements: Dual billing statement facilitate the monitoring of transactions by the company and the cardholder.
• Payment time up to 50 days: Provides a payment deadline of up to 50 days from the date of transaction.

However, when payments exceed the maturity period, interest will be charged and could disrupt the cash flow of the business.

8. Sinarmas Corporate Card

Corporate credit cards from Bank Sinarmas, licensed by Visa, are suitable for replacing cash in managing corporate expenses, especially for Travel & Entertainment (T&E) needs.

Some advantages offered:

• No annual dues: Free of dues for life.
• Can be used abroad: Valid at overseas merchants that accept Visa.
• Transactions are more secure: Supported features 3D Secured for the security of online transactions.

However, before applying, pay attention to a number of fees such as interest of 1.75%, as well as transaction fees and cash withdrawals that can reach 21% per year. A fairly large number, so it needs to be managed wisely.

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Also Read: Top Tips for Managing Online Business Finance to Run Smoothly and Successfully

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Thus 8 kartica corporativo with easy filing suitable for all types of companies.

Managing business finances will be much easier if operational expenses are separated from personal expenses. Well, the use of corporate credit cards is becoming an effective solution to record business transactions automatically and more neatly.

Eight options kartica corporativo the above offers a variety of advantages, ranging from easy filing, flexible spending controls, to additional benefits such as cashback.

However, each card has its own advantages and disadvantages, so it is important to adapt them to the needs of the business.

So, you decide if you want to use kartica corporativo Which one suits your company?

*This article is the result of cooperation between YouTap.id and Paper.id