Get business credit card instantly for your business
Get the best credit card for business in Australia — not just convenient but also fully customizable and in your control. Our business credit cards in Australia come equipped with proactive controls. Set your limits. Choose the card owner. Choose the department they belong to. And track all your spending without worrying about reimbursements or lost coins.
Trusted by finance teams at startups to enterprises.
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Business credit cards for each employee
Empower each employee of your team with an individual cards. These business credit cards have spending policies and caps that you can customize according to your needs and budgets.
Get immediate notifications whenever your company dollar is being spent. The answer to "who,” "when,” and“where” your money is spent is automatically recorded on your ledger.
Virtual credit card for business expenses
Unlimited virtual cards can be generated for specific online payments. Create one-time use burner cards or recurring cards to manage your department budget, and to allow your employees access to required company funds.
You can block or freeze cards when they’re no longer needed. You can also use your Volopay business credit card globally.
Avoid the inconvenience of sharing cards by generating as many business credit card instantly for your business as you want, without compromising on safety or control.
Business credit card with proactive controls
Our credit card for business come with highly customizable, proactive controls that ensure complete control over all company finances.
You can set up controls for where your cards are used, who uses the cards as well as how much can be spent with each card. Control and track every penny spent from your cards easily.
Top-quality premium credit card for business
We believe in providing top quality, premium cards, not just another piece of plastic. With Volopay you can rest assured that that cards you are using are top of the line, fully equipped financial management tools.
You get a premium card that gets activated instantly with all the features a business needs to streamline its spending.
Real-time tracking for better insights
With Volopay business credit card for businessexpenses, tracking happens in real time.
Purchases made from our cards are recorded instantly, as soon as charges are incurred, so no more waiting till the end of the month. This means you get immediate insights into where your money is being spent and how it is being spent.
Prepare & export expenses easily
No need to sweat over bookkeeping anymore. With Volopay’s instant approval business credit card in Australia, sync all expenses to Xero, MYOB, Quickbooks, NetSuite, and more.
Never miss a single transaction or worry about compliance. All integrations are two-way, ensuring that data is current and real-time, meaning you don’t have to chase employees or break your neck over spreadsheets ever again.
Streamlined expense reporting
At Volopay we’ve developed a platform that makes expense reporting as easy and efficient as it can get. Gone are the days of manually creating expense reports.
With Volopay employees can submit expense reports and corresponding documentation without delay, and managers can quickly and easily review and approve claims as notifications come in.
Custom controls to enforce spend limits
Controlling and enforcing spending limits is essential to protecting your company’s finances. That’s why the Volopay credit card for businesses in Australia come equipped with customizable spend control tools.
As an additional layer of spend limit protection, you only have to load the cards with the amount that is needed to be spent.
Multi-level approval workflows
Any fund request made on Volopay goes through a specified approvals flow according the the budget that card falls under.The approval policies are customisable and you can set multiple tiers or levels of approvers in your approval policy, any one of the users in the tier limit can approve the expenses, payments & reimbursements.
Financial stack for business
No more switching between multiple bank accounts and tools to run your smart business. We have combined great software with every service you are using a bank for, to produce a state-of-the-art financial platform.
Corporate Cards
Empower your employees with physical and virtual cards
Expense Management
Manage and track every dollar that leaves your company
Business Bank Account
Open a global account with multi-currency payments.
Accounts Payables
Manage vendors, approve invoices and automate payments.
Accouting Automation
Save hours daily, and close your books faster every month.
Integrations
Integrate with the all the tools and software that you use daily.
Eligibility to get a credit card for your business
Different providers will require different things from your business. While not all providers require you to be a licensed or incorporated business to get a card, some other providers solely provide corporate cards. It’s also worth noting that independent business owners, sole proprietors, and freelancers are personally liable for their cards.
The good news with applying for instant business credit card under a company name is that you won’t be liable for your business card expenses. You also don’t have to submit your personal credit score to apply for a credit card for business. With Volopay, you’ll keep separate credit scores for your personal and business uses.
To get a credit card for your business, you want to ensure that your business has a good credit history. If your business is still in its early days and in the growing stage, start small and grow your credit score parallel to your business.
How to choose best credit card for your business - Things to consider
You want instant business credit cards that are easy to use and reap many benefits. To start with, consider opting for a credit card provider whose application process isn’t tedious. The sooner you can get started, the better.
But there are other factors that you should look into. Some providers will charge an annual fee, while others won’t. You can also potentially get your fee waived as a new applicant. Generally, the higher the fees are, the more rewards you will get. Set aside a budget for your annual fees and know what rewards you’re after. Opt for instant approval business credit card with no hidden fees involved.
You want to look for credit card providers that offer a low interest rate for your credit. While a lot of credit cards will charge interest, there are some providers that offer a 0 interest rate for your business credit cards instant approval. You can enjoy an interest-free credit line with flexible repayment cycles with Volopay.
Why should you choose Volopay business credit cards?
Separate business and personal transactions
Credit card for businesses are designed specifically so that business owners are able to keep their personal and business transactions separated.
Manage expenses and transactions easily
With the Volopay card management dashboard and its features, managing expenses and transactions is as easy as clicking a few buttons.
Auto payment for better cash flow management
Improve your cash flow management with Volopay’s automatic payment feature. You can simply set up payments and let the system manage the rest.
Spend everywhere
Business credit cards work like bank cards that are tailormade for businesses. They can be used anywhere, from POS machines to online marketplaces.
No hidden fees
With the Volopay credit card for business you no longer have to worry about hidden fees or sudden mark ups in transaction fees.
No personal liability
Volopay business credit cards in Australia are extremely safe to use and come with no requirements to commit personal security for the business owner.
Easy to use
Managing and using your Volopay credit card for business is easy to do with the help of our comprehensive card management dashboard.
Compliance & security
Our cards come equipped with bank grade security and the necessary tools to help you keep your finances compliant and secure easily.
Can we get a credit card with ABN?
Yes, you can get a credit card by submitting your ABN along with other supporting documents.
What is a business credit card?
A corporate card with credit (also colloquially called a corporate credit card or business credit card) is used to separate employee expenses and business expenses from personal expenses. It also makes sure businesses have their accounts in order for an organized and stress-free tax reporting process.
Is it hard to get a credit card for business?
Contrary to popular belief, it is not difficult to get a business credit card. It depends entirely upon your company’s financial history (and if you are the business owner, then on your personal credit history). The stringency of the requirements differs among providers. For instance, Volopay has a quick and seamless credit check process that allows newer businesses to apply for a credit line.
Can I get a credit card for my business account?
Yes, you can. Once you sign up for Volopay, you have the option to apply for our business card credit line. The process is a short one — simply provide the required information, and our credit team will do a quick check of your company’s financial history before approving a credit line. Your dedicated account manager and our customer service team will guide you through the process.
Who is eligible for a business credit card?
Businesses that sign up with Volopay have the option to apply for business credit from within the dashboard. While there are certain requirements to meet, the process is much smoother and more flexible compared to a traditional bank or business loan provider. In addition to the credit line, all Volopay clients are also eligible for our business debit cards.
What is the credit needed to get the credit card for business?
Typically, to get business credit cards in Australia you need to have a credit score ranging around 600-622. This may vary depending on the credit reporting body.
How to choose the best credit card for business?
Before you choose a credit card for business you need to weigh your options and see which provider suits your requirements the best. For example, check for pricing, features provided and compatibility.
How fast can you get a business credit card?
On Volopay, for example, you can get a business credit card within a few days. Virtual cards, for example, can be created instantly.
Why should I get a business credit card if I have a personal credit card?
You should get a business credit card for your company and not use personal credit card because this will help you keep company and personal finances separate.
How are Volopay business credit cards different from other business credit cards?
Unlike many other business credit cards, Volopay cards are tailor-made to help streamline business finance management. The physical cards can even be used as FX cards without any exorbitant markups or fees charged. Additionally, the in built controls and features Volopay cards come with truly set it apart from the competition, making it one of the best business credit card options in Australia.
Do I need an LLC to apply for a business credit card?
No, having a a registered LLC or corporation is not always compulsory for obtaining a business credit card.
Do you run our credit for business credit cards?
Yes, your credit score will be checked before providing a credit card for your business.
How do I know if my business qualifies for a credit card?
If you have a suitable credit score (between 600-622) your business will most likely qualify for a credit card.
Do I have to pay business credit cards in full?
A business credit card, like a consumer credit card, does carry an interest charge if the balance is not repaid in full each billing cycle.
Bring Volopay to your business
FAQs
Can you get a business credit card immediately? ›
Some business credit cards offer nearly instant approval, but you'll need excellent credit to qualify. Most business credit cards don't offer preapproval to let you know whether you'll likely qualify before officially applying.
Which Bank provide instant virtual credit card? ›- HDFC Netsafe:
- Federal Bank One Credit Card:
- SIB OneCard Credit Card:
- SBM OneCard Lite Credit Card:
- FreeCharge Go MasterCard:
- Oxigen Wallet Virtual Card:
On the mobile app. Login to the Volopay mobile app and slide to the ["Virtual Cards"] and tap on the card you want to use. For instance, LinkedIn Ads. Now, slide down to view the card number and other details of the card.
What cards allow instant transactions? ›| Card | Best For |
|---|---|
| Chase Sapphire Preferred® Card | Overall Rewards |
| The Platinum Card® from American Express | Premium Travel Perks |
| American Express® Gold Card | Dining and Groceries |
| The JetBlue Plus Card | JetBlue Benefits |
- Step 1 – Choose the Right Business Structure. ...
- Step 2 – Obtain a Federal Tax ID Number (EIN) ...
- Step 3 – Open a Business Bank Account. ...
- Step 4 – Establish Credit with Vendors/Suppliers Who Report. ...
- Step 5 – Monitor Your Business Credit Reports.
- Open a Business Bank Account. Opening a business bank account will give your business a financial homebase. ...
- Obtain a Business Credit Card. ...
- Report Historic On-Time Payments. ...
- Seek Out the Right Vendors to Establish Business Credit. ...
- Manage Credit Actively.
If you have been in business for three or more years, you may qualify for a business credit card using your business credit score.
How soon can I get a business line of credit? ›Often, the minimum amount of time required is two years in business. Some lenders may approve a line of credit for businesses that have been established for as little as six months.
How many business days does it take to get a credit card? ›The process of getting a new credit card varies by company. However, once you've been approved, most companies will mail you the card within an average of 7-10 business days.
How long does it take to get approved for a business line of credit? ›It can take anywhere from a day or two to several months to be approved for a line of credit.