7 Best Corporate Credit Cards, Perfect for Divisional Budgeting!

Jakarta, Pintu News – Managing a company’s budget is not easy, especially if it has to be divided into many divisions. Without the right tools, expenses can be poorly controlled and financial reports can become a mess.

Well, one practical solution that you can use is a corporate credit card. With this corporate credit card, each division can more easily manage their own budget while remaining transparent in recording.

In this article, we will discuss the 7 best corporate credit cards that can help your company be more efficient in dividing the budget per division.

1. Paper Horizon Card

Paper Horizon Card is a corporate credit card from Paper.id designed to help companies divide and manage budgets between divisions more easily and controlled.

With this card, each team or employee can be given a limit according to their operational needs. The company can also set, activate, or deactivate the card at any time, so that the expenses of each division remain transparent and do not exceed the limit.

Some of the main advantages of Paper Horizon Card include:

• Company name printed on the card: Adds professionalism to every transaction.
• Low transaction fee of 1.3%: Helps streamline operational expenses.
• Payment terms of up to 60 days: Gives you more room to manage your business cash flow .
• 0.5%cashback for online transactions: Suitable for digital spending such as Google Ads, Meta Ads, and Slack.
• Centralizeddashboard and automatic reconciliation: All transactions from various divisions can be monitored in real-time and recorded without hassle.

With limit flexibility and an integrated dashboard, Paper Horizon Card is perfect for companies that want to ensure budget distribution per division remains efficient, transparent and easy to monitor.

Let’s get to know Paper.id now and check out the full Paper Horizon Card features!

Also Read: 5 Virtual Credit Card Recommendations for Business, Best in Indonesia!

2. BCA Visa Corporate

BCA Visa Corporate is suitable for medium to large companies that require flexible payment management. Through KlikBCA Bisnis, companies can easily monitor transactions and set card limits for each division.

In addition, this card also comes with travel insurance protection of up to Rp600 million and extensive access to more than 65,000 merchants in Indonesia and millions of Visa merchants worldwide.

3. BRI Corporate Card

BRI Corporate Card helps companies pay for operational needs and business travel in a more planned manner. The payment maturity feature up to 25 days after the bill provides more space in maintaining a healthy cash flow.

Plus, there is Auto-Payment that can be utilized for routine payments such as electricity and internet every division runs automatically without the risk of late payments.

4. BNI Corporate Card

BNI Corporate Card is designed to make it easier to control employee spending in certain positions. Companies can choose between BNI Corporate Card Gold or Platinum, according to their level of need.

On the other hand, its advantages include detailed billing statements per employee/division, an automated reconciliation process that speeds up audits, and support for company cash flow to be more stable and monitored.

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5. Mandiri Corporate Card

Mandiri Corporate Card comes with two options, Gold (limit Rp10-40 million) and Platinum (limit up to Rp1 billion), making it easier for companies to adjust budget allocations per division.

Featured features include an expense tracker to monitor divisional expenses, dual billing statements for more transparent reporting, and payment terms of up to 50 days that provide more flexibility in managing budgets.

6. Mega Corporate Card

Mega Corporate Card from Bank Mega is specifically designed to support the flexibility of budget division for each division. This card can be used for various needs, such as HR team entertainment to Marketing team digital advertising payments.

The spending limit can be customized according to company policy, and the company can even issue different cards for each division or management level. Not only that, there is a Dual Control feature to monitor real-time transactions while preventing overspending.

7. Maybank Corporate Card

Maybank Corporate Card offers many benefits for the financial needs of companies, especially those that often conduct international transactions. With competitive exchange rates, the books of divisions that transact abroad become more stable.

In addition, this card also provides detailed expense reports per division, facilitates cost management, and travel insurance protection of up to Rp1 billion.

Also Read: 5 Best Crypto Debit Cards in 2024: Make the Most of Your Digital Assets!

Those are the 7 best corporate credit card recommendations that you can use to divide the budget per division more easily, practically, and according to various company scales.

In addition to facilitating business transactions, corporate credit cards also play an important role in keeping financial management neat, transparent, and efficient.

Therefore, make sure you choose the most appropriate card according to the needs of the company so that operations continue to run smoothly and cash flow is always healthy.

*This articleis a collaboration between Paper.id and PINTU. This content aims to enrich readers’ information not as financial advice. All activities and decisions are the responsibility of the reader.