{"id":50928,"date":"2026-07-23T11:56:15","date_gmt":"2026-07-23T11:56:15","guid":{"rendered":"https:\/\/www.you.co\/biz\/?p=50928"},"modified":"2026-07-24T07:37:43","modified_gmt":"2026-07-24T07:37:43","slug":"dbs-corporate-card-vs-youbiz","status":"publish","type":"post","link":"https:\/\/www.you.co\/biz\/blog\/dbs-corporate-card-vs-youbiz\/","title":{"rendered":"DBS Corporate Card vs YouBiz for Singapore SMEs (2026)"},"content":{"rendered":"\n

A bank’s business card and a zero-fee account, side by side<\/strong><\/h2>\n\n\n\n
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DBS business cards and YouBiz both let a Singapore SME put company spending on a card and track it in one place. Where they split is what each one is built to be.<\/p>\n\n\n\n

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YouBiz is a multi-currency business account and corporate card.<\/strong> It’s S$0\/month<\/strong> with every feature included<\/strong>, it pays unlimited 1% cashback<\/strong> on eligible spends, and it gives real 0% FX<\/strong> across 150+ currencies.<\/p>\n\n\n\n

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A DBS business card is a bank credit card.<\/strong> It comes with a credit line, a rewards-points programme, and the backing of Singapore’s largest bank, and it charges a 3.25% fee<\/strong> on foreign-currency spend plus an annual fee once the first-year waiver ends.<\/p>\n\n\n\n

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Both do the core job of a corporate card: separate business spend from personal, hand cards to your team, and log every transaction.<\/p>\n\n\n\n

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Which one keeps more of your money depends on how much your company spends abroad, and whether you need a credit line to smooth cashflow. It also comes down to whether you’d rather earn cash on every dollar or collect the rewards points and travel perks a bank card adds.<\/p>\n\n\n\n

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DBS Corporate Card vs YouBiz at a Glance<\/strong> <\/a><\/p>\n\n\n\n

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Feature<\/strong><\/th>YouBiz<\/strong><\/th>DBS World Business Card<\/strong><\/th><\/tr><\/thead>
Monthly \/ annual fee<\/strong><\/td>S$0\/month, all features included<\/td>S$414.20\/year (incl. GST), waived the first year<\/td><\/tr>
Card FX fee<\/strong><\/td>Real 0% FX at wholesale rates, 150+ currencies<\/td>3.25% on all foreign-currency spend<\/td><\/tr>
Cashback \/ rewards<\/strong><\/td>Unlimited 1% on eligible spends, no minimum, no cap<\/td>2% rebate on foreign spend, 1% on local dining, entertainment and travel, 0.3% on other spend (paid as DBS Points)<\/td><\/tr>
Credit line<\/strong><\/td>No, you fund the account and spend the balance<\/td>Yes, revolving credit with interest-free days<\/td><\/tr>
Cards included<\/strong><\/td>Up to 100, free<\/td>Primary plus supplementary cards, each employee card applied for separately<\/td><\/tr>
Currencies held<\/strong><\/td>8<\/td>None, it’s an SGD credit card<\/td><\/tr>
Team \/ spend users<\/strong><\/td>Unlimited<\/td>Supplementary cardholders, subject to approval<\/td><\/tr>
International transfers<\/strong><\/td>To 20 currencies, no FX fees<\/td>Not a transfer product, use DBS IDEAL business banking<\/td><\/tr>
Card network<\/strong><\/td>Mastercard<\/td>Mastercard<\/td><\/tr>
Backing<\/strong><\/td>MAS major payment institution, Mastercard Principal Member<\/td>Full bank, SDIC-covered deposits on linked accounts<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
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DBS figures are per the DBS World Business Card page and DBS card fee schedules, July 2026. Rates and fees change, so confirm the current terms on dbs.com.sg before deciding. SGD figures shown as S$; the 3.25% foreign-currency fee applies to the converted SGD amount.<\/em><\/p>\n\n\n\n

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For a business that spends overseas regularly, a 3.25% fee on every foreign transaction is the line that quietly grows, and the 2% rebate only claws part of it back on foreign spend.<\/p>\n\n\n\n

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YouBiz gives you the full feature set<\/a>, real 0% FX, and 1% cashback on eligible spends, all at a price it publishes: S$0. What it doesn’t give you is a credit line, and that’s the honest trade-off worth weighing before you choose.<\/p>\n\n\n\n

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Table of Contents<\/strong><\/h2>\n\n\n\n
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  1. DBS Corporate Card vs YouBiz at a Glance<\/strong><\/a><\/li>\n\n\n\n
  2. What Is YouBiz?<\/strong><\/a><\/li>\n\n\n\n
  3. What Is the DBS Corporate Card?<\/strong><\/a><\/li>\n\n\n\n
  4. Pricing: What You Actually Pay<\/strong><\/a><\/li>\n\n\n\n
  5. Cashback and Rewards<\/strong><\/a><\/li>\n\n\n\n
  6. FX Fees and Overseas Spend<\/strong><\/a><\/li>\n\n\n\n
  7. Cards, Credit and Team Controls<\/strong><\/a><\/li>\n\n\n\n
  8. Transfers, Payments and Getting Set Up<\/strong><\/a><\/li>\n\n\n\n
  9. Advantages and Disadvantages of a DBS Business Card<\/strong><\/a><\/li>\n\n\n\n
  10. Which Is Right for Your Business?<\/strong><\/a><\/li>\n\n\n\n
  11. FAQs<\/strong><\/a><\/li>\n<\/ol>\n\n\n\n
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    What Is YouBiz?<\/strong><\/h2>\n\n\n\n
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    \"YouBiz<\/figure>\n\n\n\n
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    YouBiz is the multi-currency business account from YouTrip, Singapore’s most-used travel wallet. It does one job well: cross-border business spend without the fees.<\/p>\n\n\n\n

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    The problem it solves is the quiet tax on company spending. Every SaaS renewal, ad top-up, and overseas supplier payment usually carries an FX markup and earns nothing back. YouBiz strips out the markup and pays you back on the spend instead.<\/p>\n\n\n\n

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    Your company gets:<\/p>\n\n\n\n

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