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Corporate Cards · Expense Management · Central Billing

Business Credit Card
Program - Corporate & Employee

Name: Mortgagefy
Address: Sydney, NSW, AU
Telephone: +61432634648
Price range: Free

By the Mortgagefy Team · Credit Rep 532656 of ACL 348324 · Published 2026-10-15 · Last reviewed 2026-10-15

Beyond a single business credit card - a managed program with employee cards, central billing, expense categorisation and cash-flow smoothing. Traditional bank cards and modern fintech card platforms both options.

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Free Business & Commercial Assessment

Takes under 3 minutes. We'll match you with the right lender for your situation.

Who this is for

SMEs scaling expense volume - typically $500k+ annual card spend across multiple employees or departments.

5+ employees needing business cards
$500k+ annual business card spend
Need expense categorisation and policy enforcement
Want to extract working capital value from float days
Looking at rewards or cashback programs at scale
Need better reconciliation vs manual expense reports

The real challenge

A single business credit card works at small scale. Once you have 5+ employees spending across travel, software subscriptions, supplier payments and client entertainment, a managed program delivers real operational value - central billing, expense categorisation, policy enforcement at point-of-swipe, and 30-55 days of free working capital float.

Modern fintech card programs go further than traditional bank business credit cards - virtual cards per vendor, programmable spending limits, direct accounting software integration.

How Mortgagefy helps

Program lender comparison. Traditional bank business credit vs modern fintech programs - cost, features, integration quality.
Working capital math. 30-55 day free float on card spend is often more valuable than the rewards.
Expense policy design - card-level limits, category restrictions, vendor allowlists.
Accounting integration coordinated with Xero / MYOB / NetSuite.

Need to model repayments first? Try our Sydney home-loan calculators for an indicative figure.

How it works

Scoping call

Spend size, employee count, current pain points, accounting software in use.

Program shortlist

2-3 programs matched to your spend size and feature needs.

Approval

1-2 weeks typical for established SMEs with clean credit.

Rollout

Card issuance, policy configuration, employee onboarding, accounting software integration.

Get a personalised answer in 2 minutes

Free, no obligation. We'll match you with the right lender for your situation.

Frequently asked questions

Bank business credit vs fintech programs - which is better?

Depends on priorities. Traditional banks: lower cost per transaction, mature rewards programs, slower approvals, limited expense tooling. Modern fintech card programs: higher per-transaction cost but better expense management, instant virtual cards, direct Xero / MYOB integration.

What's the typical credit limit?

Varies by lender and your trading history. Established SMEs typically $50k-$500k program limit, split across cards. Large companies $1m+.

Do employee cards affect my credit profile?

No - employee cards sit on the company's credit facility, not individual employees' personal credit.

What's the typical card interest rate?

If you pay in full within the interest-free period (typically 44-55 days), no interest. Revolving balance typically 15-25% p.a. - avoid revolving balance; it's expensive working capital compared to a line of credit.

Can I earn rewards on business card spend?

Yes - most programs offer airline points, cashback or similar at 0.5-1.5% effective yield on spend. Worth modelling vs the annual fee.

Will I need personal guarantees?

For most SME programs, yes - directors give personal guarantees. Larger corporate programs with multiple shareholders can sometimes negotiate capped or no-guarantee structures.

Get your free business credit card program assessment

Managed programs with employee cards, central billing, expense tooling. Working capital float + reward value modelled against program fees.

Start Your Free Assessment Call 0432 634 648

Related guides

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Unsecured, secured and multi-entity structures.

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BAS instead of two years of tax returns.

Short-Term Business Loan

3-12 month bridging when you need cash fast.

Working Capital Loan

Line of credit, invoice finance, overdraft.

Equipment Finance

Chattel mortgage for vehicles and plant.

Commercial Property Loans Sydney

Owner-occupied and investment commercial.

Information checked October 2026. This information is general in nature and does not take account of your personal objectives, financial situation or needs. Business, commercial and development finance eligibility, pricing and documentation varies by lender and changes frequently. Confirm current requirements with your chosen lender and seek professional advice before applying. Mortgagefy — Credit Representative 532656 of ACL 348324.

Business Credit CardProgram - Corporate & Employee