Best corporate credit cards in South Asia [2027]

Corporate credit cards help businesses fund expenses and earn rewards. Learn about South Asian cards and international payment options

Key takeaways

• A corporate credit card lets businesses pay for operational expenses using an approved credit limit, with features such as multiple employee cards, expense tracking, rewards and travel benefits
• Bank Alfalah and Faysal Bank offer business payment options in Pakistan, while EBL, City Bank and UCB provide credit cards in Bangladesh with varying rewards, travel benefits and repayment facilities
• WorldFirst’s World Card is a virtual card linked to a multi-currency account, allowing businesses to pay in 150+ currencies

Businesses in Pakistan and Bangladesh can use corporate cards to cover business expenses, give employees access to funds and track spending. But the available products differ in their credit arrangements, rewards, annual charges and international transaction features.

This guide discusses the top corporate credit cards in South Asia. It also explores a multi-currency virtual card, the World Card, which can be used to pay internationally in 150+ currencies.

What is a corporate credit card?

A corporate credit card is issued for business related expenditure. Depending on the issuer and arrangement, a company may receive an overall credit limit that can be shared among authorised employees or supplementary cardholders.

A credit card allows users to pay for purchases later as per the credit cycle date. Repayment terms, interest charges, cash advance costs and credit limits depend on the bank’s policies and the card agreement.

Key features to look for in a corporate credit card

• Annual fee and interest rate: Compare the annual fee, applicable interest or finance charges, late payment penalties and supplementary card costs. Consider the total cost of ownership rather than the headline fee alone
• Credit limits: Check the overall company limit, any individual employee limits, cash withdrawal caps and the bank’s approval criteria. Confirm whether limits can be adjusted as spending needs change
• Rewards and cashback: Look for points, cashback, travel miles and local merchant discounts that match actual business spending. Check eligibility, monthly caps, redemption rules and expiry conditions
• Employee cards: Confirm how many additional cards can be issued, whether each cardholder receives a separate limit and whether the business can restrict purchases by employee or expense category
• Expense management: Mobile banking, transaction alerts, downloadable statements and detailed reports can help finance teams reconcile transactions and identify unusual spending
• International acceptance and FX charges: Check whether the card operates on Visa or Mastercard, where it can be used and what foreign transaction fees or exchange rate markups apply
• Travel benefits: Airport lounges, travel assistance, insurance and hotel privileges can be useful for employees who travel regularly. Check whether benefits apply to the primary cardholder, supplementary holders or guests
• Eligibility requirements: Review the business’s incorporation documents, turnover or income requirements, account relationship, credit assessment and any personal guarantee requested from directors

Top corporate credit cards in South Asia

1. Bank Alfalah Visa Credit Cards

Bank Alfalah’s Visa Corporate Card helps Pakistani businesses pay for company expenses locally and internationally through the Visa network.¹ It offers custom credit limits set by the corporate entity, chip and PIN and 3D Secure protection, and consolidated statements for expense tracking and reconciliation.¹

Additional benefits include access to CIP lounges on international travel, dedicated relationship managers and corporate card privileges.¹  Businesses can activate card, e-commerce and cross-border transactions through the Alfa App or by contacting the bank’s call centre.¹  The card supports centralised spending oversight and corporate expense management, subject to applicable terms and conditions.¹

*Fees checked in October 2026

2. Faysal Bank Islamic Corporate Credit Card

Faysal Bank’s credit card range includes the World Card, Platinum, Titanium, Gold and Velocity options with different annual fees, credit limits and travel benefits.³  Annual fees range from PKR 6,500 to PKR 26,000 for basic cards, with lower charges for supplementary cards.³  All cards come with Chip & PIN, 3D Secure and contactless payments with reward points, discounts and lounge access. DigiMall purchases qualify for instalments without early settlement charges.⁴

Depending on the card tier, customers can access local discounts, redeem reward points at participating outlets and use selected airport lounges in Pakistan and internationally.³  Higher tier cards offer golf privileges and broader lounge access.³ Credit limits range from PKR 25,000 to PKR 7 million, subject to eligibility checks and bank approval.³

*Fees checked in October 2026

3. Eastern Bank PLC Visa Corporate Platinum Credit Card

EBL’s Visa Corporate Platinum Credit Card provides a shared company credit facility for authorised employees in Bangladesh.⁵   The bank assigns a corporate credit limit that businesses can distribute among selected cardholders to cover routine operational expenses.⁵

The product offers revolving credit, domestic and international Visa point-of-sale acceptance, individual employee spending controls and transaction reporting.⁵ Corporate clients can also request Priority Pass membership, subject to applicable charges.⁵

Other benefits include access to designated SKYLOUNGE facilities at Hazrat Shahjalal International Airport in Dhaka and Shah Amanat International Airport in Chattogram, subject to the stated conditions.⁵ A dedicated relationship manager also supports account related enquiries.⁵

*Fees checked in October 2026

4. City Bank American Express Gold Credit Card

The City Bank American Express Gold Corporate Card helps businesses in Bangladesh control employee expenses for domestic and international travel, accommodation, entertainment and training.⁷ It provides separate corporate credit limits, flexible billing cycles and up to 50 days of no-interest credit.⁷

Business travellers can access three Priority Pass visits to over 1,700 airport lounges, alongside access to City Bank American Express lounges at Hazrat Shahjalal International Airport.⁷ Additional benefits include dedicated relationship management, 24/7 customer support, travel insurance, transaction alerts, email statements and a management information system (MIS) reporting for expense tracking.⁷

*Fees checked in October 2026

5. United Commercial Bank Visa Business Credit Card

UCB’s Visa Business Credit Card combines business spending facilities with rewards, fuel cashback and travel privileges in Bangladesh.⁹ The card supports both BDT and USD, and has an unsecured global credit limit ranging from BDT 50,000 to BDT 20,00,000, subject to the bank’s approval. It has a no-interest period for up to 45 days.⁹

New cardholders can receive cashback, capped at BDT 500 across the first two qualifying purchases within 30 days of issuance.⁹ The card also offers cashback at local fuel stations, capped at BDT 1,500 annually.⁹ Other features include a supplementary card, Priority Pass membership with three lounge visits per year and selected hotel offers.⁹

*Fees checked in October 2026

The World Card: A multi-currency card for Pakistani and Bangladeshi businesses

A multi-currency card lets companies pay for international expenses using funds held in their business account, rather than accessing a line of credit. It can be used to pay for digital advertising, software subscriptions, international payments to overseas suppliers and transactions on online marketplaces.

WorldFirst’s World Card is a virtual card powered by Mastercard and connected to the World Account, a multi-currency account. Cardholders can pay in more than 150 currencies and any payments made in the 15 supported currencies do not incur currency conversion fees when sufficient balance in that currency is held. If the required currency balance is insufficient, WorldFirst converts funds from another available currency balance at the applicable exchange rate.

Key features of the World Account supporting the World Card

• Get local receiving details in 15+ currencies, including USD, GBP, EUR, CNH and AUD
• Create up to 20 virtual cards without paying any fees
• Access cards through the World Account dashboard, where businesses can set spending limits, freeze cards and monitor international transactions in real time
• Transfer funds across 200+ countries and regions
• Collect funds from more than 130 marketplaces and payment gateways, such as Amazon, Shopify, Stripe and Etsy
• Pay suppliers on 1688.com through World Pay, the authorised international payment provider for 1688

*Fees checked in October 2026

Learn how to receive international payments in USD and more

FAQs

1. What’s the best corporate credit card in Pakistan?

There is no single best corporate credit card for every Pakistani business. For example, Bank Alfalah offers Visa credit cards with travel benefits, while businesses seeking employee-specific spending controls or a dedicated corporate credit facility may have different requirements.

Businesses should compare eligibility, fees, credit limits, rewards and international transaction costs before selecting a product. WorldFirst’s World Card is an additional option for eligible international business payments, allowing businesses to spend from existing multi-currency balances rather than borrowed credit.

2. Do corporate credit cards charge foreign transaction fees?

Many corporate credit cards charge foreign transaction fees or currency conversion markups, although the amount depends on the issuing bank and card product. Businesses can check the current fee schedule for each card rather than assuming that every provider charges the same rate.

With a virtual card like the World Card, payments in the 15 supported currencies carry zero FX fees when sufficient funds are held in the currency. Payments in other currencies may involve currency conversion charges.

Learn more about virtual credit cards

3. What documents are required to apply for a corporate credit card in Pakistan or Bangladesh?

Banks may request business registration documents, tax identification records, financial statements, bank statements and authorised signatory details. Requirements vary by issuer and business structure. For example, EBL lists audited financial statements, an e-TIN certificate and a trade licence among its company application requirements in Bangladesh.

4. What is the difference between a corporate credit card and a business debit card?

A corporate credit card lets businesses pay using an approved credit limit and repay the outstanding amount according to the billing terms. A business debit card draws on available funds in a linked business account.

5. Can businesses in Pakistan and Bangladesh use corporate cards for international payments?

International usage depends on the card network, issuer, activation settings and applicable transaction limits. Foreign currency markups and other charges may apply to overseas purchases.

Businesses should check their bank’s terms for international online payments, software subscriptions, advertising and supplier transactions before using a card abroad. Multi-currency payment cards, such as World Card, offer another option for international business spending from existing balances.

Sources

1. https://www.bankalfalah.com/digital-banking/schedule-of-charges/
2. https://prodbaf.blob.core.windows.net/data/Schedule%20of%20Charges%20July%20-%20Dec%202026%20(conventional).pdf
3. https://www.faysalbank.com/faysal-islami-noor-cards
4. https://www.faysalbank.com/faysal-islami-noor-cards/noor-gold-card
5. https://www.faysalbank.com/assets/documents/FBL-English-SOC.pdf
6. https://www.ebl.com.bd/retail/eblcard/Visa-Corporate-Platinum-Credit-Card
7. https://www.ebl.com.bd/assets/islamicBanking/downloads/04-Islamic-SOC-Card-July-2026.pdf
8. https://www.citybankplc.com/p/amex-gold-corporate-card
9. https://citybankplc.com/uploads/files/reports/fees-and-charges/17814381644001721.pdf
10. https://www.ucb.com.bd/cards/choose-your-card/visa-business-card/
11. https://www.ucb.com.bd/reports/schedule-of-charges/ucb-plc-conventional-soc-may2026.pdf

This article is intended for informational purposes only and does not constitute legal advice or professional advice. This article should not be regarded as constituting an offer or a solicitation to buy or sell any regulated or financial products or services. WorldFirst makes no representations or warranties regarding the accuracy, completeness, or applicability of the content, and readers are encouraged to consult with legal professionals or other professionals for advice tailored to their specific situation. WorldFirst does not guarantee the accuracy and completeness of this article and expressly disclaims any and all liability to any person in respect of the consequences of anything done or omitted to be done wholly or partly in reliance on this article.