{"id":50745,"date":"2026-06-18T06:55:49","date_gmt":"2026-06-18T06:55:49","guid":{"rendered":"https:\/\/www.you.co\/biz\/?p=50745"},"modified":"2026-06-25T09:02:04","modified_gmt":"2026-06-25T09:02:04","slug":"aspire-vs-youbiz-singapore-business-card-comparison","status":"publish","type":"post","link":"https:\/\/www.you.co\/biz\/blog\/aspire-vs-youbiz-singapore-business-card-comparison\/","title":{"rendered":"Aspire vs YouBiz: Singapore Business Card Comparison (2026)"},"content":{"rendered":"\n

How Aspire and YouBiz compare for Singapore SMEs in 2026<\/strong><\/h2>\n\n\n\n
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Picking a corporate card for a Singapore SME<\/a> usually comes down to two questions: how much of your team’s spend earns cashback, and how much you bleed to FX on every overseas tap. Aspire<\/a> and YouBiz<\/a> are the two Singapore-built options most founders shortlist for both, and they take very different positions on each.<\/p>\n\n\n\n

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This guide breaks down the cashback structure, FX fees, holdable currencies, account and transfer fees, MAS licensing status, and the use cases each card actually fits, so you can pick the one that matches how your company spends.<\/p>\n\n\n\n

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Aspire vs YouBiz at a Glance<\/strong> <\/a><\/h2>\n\n\n\n
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Feature<\/strong><\/th>YouBiz<\/strong><\/th>Aspire<\/strong><\/th><\/tr><\/thead>
Monthly fee<\/strong><\/td>S$0<\/strong><\/td>S$0<\/strong> Basic plan; S$15\/month<\/strong> Premium plan<\/td><\/tr>
Account opening fee<\/strong><\/td>Free<\/td>Free<\/td><\/tr>
Cashback rate<\/strong><\/td>1% unlimited<\/strong> on every eligible purchase<\/td>1%<\/strong> on Marketing + SaaS only (Basic) \/ 1.2%<\/strong> on all eligible spend (Premium)<\/td><\/tr>
Cashback credit timing<\/strong><\/td>By the 15th<\/strong> of the following month<\/td>By the first week of the following month<\/td><\/tr>
FX fees (card spend)<\/strong><\/td>0%<\/strong><\/td>From 0.22%<\/strong> above mid-market (instant conversion)<\/td><\/tr>
FX fees (sending money)<\/strong><\/td>Mid-market rate, no markup<\/td>From 0.23%<\/strong> above mid-market<\/td><\/tr>
Holdable currencies<\/strong><\/td>8<\/strong> (SGD, USD, EUR, GBP, JPY, HKD, AUD, CHF)<\/td>4<\/strong> (SGD, USD, EUR, GBP)<\/td><\/tr>
Local SGD transfers<\/strong><\/td>Free FAST transfers + dedicated PayNow QR for incoming<\/td>Free FAST\/GIRO payroll<\/td><\/tr>
Overseas transfers<\/strong><\/td>Multi-currency via Dashboard<\/td>Free FX on first S$13,000\/month (Premium only)<\/td><\/tr>
SWIFT incoming fee<\/strong><\/td>Free incoming<\/td>S$35<\/strong> (SGD account) \/ 8 USD (other)<\/td><\/tr>
Overseas ATM<\/strong><\/td>Supported (check in-app for current fees\/limits)<\/td>S$5<\/strong> per withdrawal<\/td><\/tr>
Card network<\/strong><\/td>Mastercard<\/td>Visa<\/td><\/tr>
Virtual + physical cards<\/strong><\/td>Free, unlimited<\/strong> with custom spend limits<\/td>Free, unlimited<\/td><\/tr>
Free user seats<\/strong><\/td>Unlimited team invites; 4 roles<\/td>Unlimited cards at no extra cost; S$15 one-off per duplicate card to the same user<\/td><\/tr>
Sign-up<\/strong><\/td><5 min via Singpass; approval in 1\u20132 business days<\/td>Online application<\/td><\/tr>
MAS licence<\/strong><\/td>Major Payment Institution (PSA)<\/td>In-Principle Approval for MPI (operating under exemption)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
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Three things stand out:<\/strong><\/p>\n\n\n\n