Flexible rewards that
work for you
Stay in control of your business while earning premium rewards
Flexible billing cycles to fit your cash flow
More flexibility to choose the frequency of your billing cycles. Switch up your frequency when cash is flowing well, or switch down during slower periods.
Weekly
0.75%
Bi-Weekly
0.5%
Monthly
0.25%
Get access to the premium way to run your business
The First Circle Business Premium card gives you hassle-free expense management.
Pre-fund your account and maximise your rewards
Why choose First Circle?
Feature | First Circle | BPI Corporate | BDO Corporate | UnionBank Corporate | RCBC Corporate | PayMongo Virtual Card |
Cashback rewards | | | | | | |
Digital & physical cards | | | | | | |
Fast approvals (~24 hours) | | | | | | |
Repayment incentives | | | | | | |
Revolving credit | | | | | | |
Digital onboarding | | | | | | |
Skip the wait.
Start spending.
Comes with a free First Circle Business Account — speed up the rest of your business transactions, so you can focus on running your business better.
Get early access to the newest corporate card in the Philippines
Frequently Asked Questions
Any registered Philippine business (sole proprietorship, partnership, or corporation) with a minimum annual revenue of at least ₱1 million (B2B) or ₱25 million (B2C) can apply, with no minimum tenure required.
No collateral is required. We evaluate your business based on performance and cash flow, not assets.
There are no annual fees on the First Circle Business Premium Card.
[Coming soon] Yes, you will be able to issue multiple cards to multiple employees, manage spend controls, and view their spending in real-time on the First Circle Connect platform.
Cashback is earned based on when you choose get billed: up to 1% for pre-funded accounts, 0.75% for weekly payments, 0.5% for bi-weekly payments, and 0.25% for monthly payments. You can adjust your payment timing each billing cycle to suit what you need. Cashback is credited to your account automatically.
Visit the Cards section in our Help Center to get the right help you need.
Have more questions? Visit our Help Center or the Cards Terms & Conditions
What is a corporate card? And why does your business need one?
A corporate card is a card issued to a company and its employees to manage business expenses — from supplier payments and operations to team spending. Unlike personal credit cards, a corporate card gives Philippine business owners centralised control over company spend, with real-time visibility and customisable limits per cardholder.
For Filipino SMEs, finding the right corporate card has always been a challenge. Most options in the Philippines were built for large corporations — with rigid approval requirements, lengthy onboarding, and little reward for everyday business spending. First Circle changes that with the Philippines' first premium corporate card built specifically for small and medium enterprises.
The best corporate card for Philippine SMEs
First Circle's Business Premium Card was designed from the ground up for the way Filipino SMEs actually operate. With 24-hour approval, no collateral required, and a fully digital application process, small and medium businesses across the Philippines can access a premium corporate card without the traditional barriers. Whether you're a startup in BGC or a growing SME in the provinces, First Circle gives your business the financial tools it deserves.
Corporate cards in the Philippines — built for growth
Filipino SMEs account for over 99% of all businesses in the Philippines, yet have long been underserved by traditional corporate banking products. First Circle's corporate card is built to close that gap — giving Philippine SMEs the same financial control, flexibility, and rewards that were once reserved for large enterprises.
Explore other ways we support your business
Business Credit Line
Grow smarter with a non-collateral credit line of up to ₱25M —use what you need, repay on your terms.
Invoice
Create and send BIR-compliant invoices to your customers and track their payments, so you are always on top of who owes you.
Business Accounts
No fees, no limits, no waiting lines. Accept and send unlimited payments to 250+ supported banks and e-wallets in the Philippines.
Join the 5000+ businesses that chose First Circle
In doing business with First Circle, we made plans so that we could upgrade the business in relation to what First Circle is doing for us.
Ferdinand Fernandez, President
Vishnu Property Management Inc.
Partner since 2023
With lower interest rates, faster release, and of course the good customer service and relationship with First Circle, we're here to stay for long.
Ma. Linda Moya, President
Richworld Infra Solutions Corp
Partner since 2023
