Flexible rewards that
work for you
The first premium corporate card for Filipino
SMEs, with market-leading cashback rates.
You set the rules
Every peso works harder
Built for speed
You're in control
Custom Spending Limits
Set individual limits per card to keep every team member on budget.
Real-Time Expense Tracking
See every transaction as it happens — no surprises at month-end.
A Billing Cycle You Choose
Pick the payment schedule that fits your cash flow best.
Earn more cashback or pay on your terms
Pre-Fund
1%
Weekly
0.75%
Bi-Weekly
0.5%
Monthly
0.25%
Skip the wait.
Start spending.
Big rewards. More freedom.
Earnings Calculator
Why First Circle?
Feature | First Circle | BPI Corporate | BDO Corporate | UnionBank Corporate | Maya Business |
Cashback rewards | | | | | |
Virtual cards | | | | | |
24-hour approval | | | | | |
Real-time spend controls | | | | | |
No hidden fees | | | | | |
Digital onboarding | | | | | |
No personal guarantee | | | | | |
Get the most rewarding corporate card out there
Frequently Asked Questions
Any registered Philippine business (sole proprietorship, partnership, or corporation) with at least 6 months of operating history and monthly revenues of ₱100,000 or more can apply.
Most applications are reviewed and approved within 24 hours. Once approved, your card will be delivered within 3-5 business days.
No collateral is required. We evaluate your business based on performance and cash flow, not assets.
Yes! You can adjust your payment timing each billing cycle. Pay earlier for higher cashback, or take advantage of the full 30-day interest-free period when you need flexibility.
Cashback is earned based on when you pay: up to 1% for prefunded accounts, 0.75% for weekly payments, and 0.1% for payments within the 30-day term. Cashback is credited to your account automatically.
Yes, you can issue multiple cards to team members with customizable spending limits and controls. All transactions are tracked in real-time through the mobile app.
What is a corporate card? And why does your business need one?
A corporate card is a business credit 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 historically 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, all in one card, that were once reserved for large enterprises.
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
