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There comes a time for every growing business to explore the option of using a credit card, whether it’s for convenience of transaction, ease of record keeping, or cash flow benefits of deferred payments. If you’re a smaller business owner or sole proprietor, it’s possible to experience these benefits using a personal card on behalf of your business, since it’s easy to keep track. But as the business grows, there are more expenses, employees and eventually it would start to make sense to get a corporate card (or cards) to better manage payments for day to day.

So here are some relevant considerations for you as a business in how to get a business / corporate card.

How do I get a Business / Corporate Credit Card as a SME

What to know before applying

To qualify for a corporate card, the company should have a valid Hong Kong Business registration and have been in operation for a specified period of time and meet the annual revenue requirement.

Some banks might require the applicant to be the owner, partner, shareholder, CEO, managing director or executive of the company. Some other banks' corporate cards are only applicable to existing Private/Enterprise Banking customers. You should make sure you meet the bank's requirements before filling out the application form.

Preparing the Application

The easiest way is to visit the bank that you already have an account with, either personal or business. The reason is that they would know the best about you and therefore would be the most comfortable determining what kind of credit card to issue. To save time and make the application process faster, you can download an application form for a corporate card in advance. Alternatively, you can also apply online by filling out an online application form through the banks' websites.

The documents you need to submit vary among banks and depend on the nature of your company (For example, whether it is a sole proprietorship, partnership or a limited company). The documents that are generally required are:

  • Your Business Registration Certificate
  • Certificate of Incorporation
  • Constitutional Documents
  • HKID Card / Passport of the Sole Proprietor / all Partners / the Director(s) who signed on the above Certification and Declaration and the Authorised Card User(s)
  • Bank statements of the Applicant for past 3 months

The Limit of Your Corporate Card

Banks have different requirements, but it usually depends on factors like a company's economic conditions, consumption and payment records. It also depends on if you have assets that can offer as collateral, allowing you a higher limit. This is considered a secured credit line, meaning the risk is secured by your collateral. The banks do offer unsecured credit cards but that application process is a bit more stringent.

So you can try to get an unsecured card  but its best to have some kind of track record in Hong Kong. And almost 100% sure you will need a Hong Kong residential address.

Most of the time there will be some negotiation on what limit is available to you. It will depend on what you plan on using the card for, and how the bank views the riskiness of you being able to pay on time. So it never hurts to prepare a business plan that is sound during your application process.

In summary, for businesses of a certain size, corporate cards provide a good solution to manage all business expenses. Moreover, for employees, corporate cards make it easy and convenient to pay for travel and entertainment and also gives you five-star treatment during your journeys. Now with platforms like Reap, you can also use them for expenses that typically don’t accept credit cards, and earn more rewards while deferring cash payments for your business.

However, be prepared if certain banks do not approve your application on the first attempt. There may be additional info required, or simply because they don’t know your business well enough. In those scenarios, be prepared to try again. The benefits of having the flexibility of a corporate credit card will eventually benefit your business. If all else fails, Reap may be able to offer you an exclusive credit card that will be coming in the near future…

Click here if you want to know about the top 6 ways credit card spending can reduce overall expenses



為了方便交易、方便記賬,又或者是為了提升現金流而想延遲繳費,不論出發點是什麼,每個成長中的企業都會遇到一些時候是需要考慮使用信用卡作為付費模式的。如果你是小企業的東主或獨資經營者,你可以使用個人信用卡去支付企業費用,不但管理賬目時簡單方便,你亦可同時體驗信用卡帶來的各種好處。但是隨著業務增長,開銷和員工變得越來越多,最後你會發現申請一張公司卡(或多張公司卡)去管理日常要繳付的賬項絕對是明智之舉。

以下是一些相關的考慮因素供企業在申請商業/公司卡時作參考

作為中小企要怎樣做才可以於香港申請到商業/公司信用卡

在申請前要注意什麼

要符合申請公司卡的資格,企業應持有有效的香港商業登記證,並營運了一段特定的時間,而年度收入亦達到要求。

有些銀行會要求公司的東主、合夥人、股東、行政總裁、董事長或總經理來做申請人。有一些其他類型的公司卡只供現有的私人/企業銀行客戶申請。你在填寫申請表前應該先確認你是否已符合銀行的申請要求

準備申請

最容易的方法是親身到你的銀行走一趟,不論是你開立了個人賬戶抑或是商業賬戶的銀行都可以。原因是它們最清楚你的需要,因此最容易決定發那一款信用卡給你最為適合。為了節省時間並加快申請流程,你可以預先在網上下載公司卡的申請表格。或者,你也可以透過銀行網頁於網上填寫申請表。

按不同的銀行規定和你公司的業務性質(例如:你的公司是獨資經營、合夥經營還是有限責任公司)在申請公司卡時需要遞交的文件亦可能會不盡相同。一般需要的文件如下:

  • 你的商業登記證
  • 公司註冊證
  • 憲法文件
  • 獨資經營者/所有合夥人/以及簽署上述認證和聲明文件的董事(們)的香港身份證/護照
  • 申請人過去3個月的銀行月結單

你的公司卡限額

不同的銀行有不同的要求,但通常取決於企業的經濟狀況、以往的消費和付賬記錄等因素,亦會看你是否擁有資產作抵押來衡量會否為你批出較高的簽賬限額。這種屬於有擔保的信用額度,意味著風險由你的抵押品來承擔。銀行同樣會提供無需擔保的信用卡,但申請流程就較為嚴格了。

因此,你可以嘗試申請無需擔保的公司卡,但最好能提供以往在香港營商的相關記錄予銀行作參考。與此同時,幾乎100%肯定你需要提供一個香港住宅地址

大多數情況下你的銀行會與你就可批予你使用的信用額進行協商。這取決於你計劃使用該卡作什麼用途,以及銀行認為你能夠按時付款的能力和風險。因此,在申請過程中先準備一份穩健的商業計劃絕對是有備無患。

總而言之,對於有一定規模的企業,公司卡提供了一個很好的解決方案讓你可以輕輕鬆鬆管理所有業務開支。此外,對於員工而言,公司卡令他們在支付工幹或娛樂費用時變得更簡易便捷,而你亦可從中受惠,透過賺取獎賞讓你在旅程中盡享五星級的待遇。現在有了像Reap這樣的平台,你可以處理各種各樣的費用,即使它們平常不接受以信用卡付費亦無問題,你不但可以延遲以現金付賬,還可以賺取更多消費獎勵。

然而,請做好準備,如果某些銀行在你首次申請時不接受你的公司卡申請,可能是需要你提供更多補充資料,又或者只是他們對你的業務未有充分了解。在這些情況下,請準備一下再接再厲。因為持有公司信用卡會令你的靈活性大大提高,箇中的好處最終必定會令你的業務有所裨益。如果屢試屢敗亦不要緊,Reap很可能在不久的將來就可以為你提供一張獨家信用卡應付所需...

如果你想使用信用卡消費同時節省整體開支,請按這裡了解當中的6大優點



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