Corporate cards built for local and global spend
Create virtual and physical Visa corporate cards in seconds, set a limit on each, spend in 60+ markets from your balance, and earn 2% cashback.
Keep more of every dollar your business spends
No foreign transaction fees, conversions at the interbank rate, and 2% cashback. Keep more on every purchase, at home and abroad.
Track all company spending in one platform
Get a real-time view of every card transaction across teams, entities, and currencies, in one place.
No international transaction fees, 2% cashback
Cut surprise foreign transaction fees and hidden charges while earning 2% cashback, so every dollar spent goes right back into your growth.
Issue cards to use in 60+ countries in seconds
Create virtual and physical Visa cards for your team, and they're spent in their local currency the same day.
Spend the currencies you hold, no conversion needed
Use the currencies you hold for your team to spend with no conversion fees. If you don’t hold a currency, we auto-convert from your primary balance.
What are Airwallex Corporate Cards?
Airwallex Corporate Cards are multi-currency Visa debit cards that you can use across 60+ markets. You can issue company cards or employee cards. Company cards are virtual only; employee cards can be virtual or physical, so your team can pay in-store, while travelling, or through a digital wallet. All from one balance, with no foreign transaction fees.
Virtual cards
Issue both company and employee virtual cards in seconds. Set spend limits, block certain merchant categories, or create a single-use card that expires after one transaction.
Physical cards
Issue physical reward debit cards for employees to spend in any currency straight from your balance. No foreign transaction fees, no surprises, just a real-time view of every purchase.
Company Cards
For shared company spend like software, ad budgets, and supplier bills
Manage company expenses all in one place
Track all company card activity and transactions to get a real-time view of major corporate purchases.
Set spending limits per transaction
End personal card use on critical company purchases and stop unexpected overspending before it happens.
Share cards across teams, within budget
Give multiple team members access to a shared card, and manage team budgets with transparency.
Employee Cards
For individual spend like travel, team offsites, and employee perks
Let employees spend on the go
Employees can spend instantly in multiple currencies with virtual and physical cards, Apple Pay, and Google Pay.
Keep employee spending inside policy
Set daily, weekly, monthly, quarterly, or annual spend limits to keep individual budgets on track.
Eliminate delayed visibility of purchases
See every transaction the moment it happens, with an automated audit trail for travel, benefits, and offsite expenses.
Cashback
Earn 2% cashback on every purchase, with no cap
Unlimited cashback on every purchase
Every eligible transaction earns 2% cashback, with no cap.
Applies across company and employee cards
Every transaction counts, whether it's a software subscription on a company card or travel spend on an employee card.
Track earnings in real time
View your cashback alongside your spend data in one dashboard, so you always know what you're getting back.
Security
Built with security, smart alerts, and your accounting stack in mind
Stay protected against fraud
Every transaction is monitored in real time. If something looks off, you'll get an email and push notification so you can freeze or cancel a card before it goes further.
Instant spend notifications
Get real-time alerts on every transaction. Know exactly what's being spent, the moment it happens, so nothing slips through.
Integrates with your accounting software
Sync card transactions directly with Xero, NetSuite, or QuickBooks. No manual exports, no reconciliation headaches.
Airwallex Corporate Cards vs competitors
One platform behind every card you issue
Your Corporate Cards are just one part of Airwallex. Your accounts, expenses, and bills run on the same balance and the same data, so you manage everything from one place instead of stitching together separate tools.
Spend Management
Expense Management
Bill Pay
Purchase Orders
Spend Management
Expense Management
Bill Pay
Purchase Orders
"The feature where we can monitor how much employees are spending on their Airwallex cards is incredibly useful to us. We get to have full visibility, as well as being able to set daily and per transaction budgets. With Airwallex’s authorisation process, it’s also easy for my team to put together all outgoings that I need to approve, so I can easily ask questions or reject payments."
Richard Li
Co-founder & CEO, July
“Having all our global SaaS subscriptions in one place has streamlined our finance processes and enabled better tracking and control of expenses. It’s even better knowing that Airwallex isn’t hitting us with any international transaction fees.”
Warren Durling
Chief Operating Officer, Dovetail – Digital Agency
"Airwallex is an innovative fintech platform with a first-class customer support team. They transformed the previously painful process of creating corporate cards and managing business accounts into something simple, convenient, and cost-effective."
Gavin Black
Interim CEO & Chief Financial Officer, PURE Group
“The new Expense Management system has been a real time saver for us in relation to the administration of our benefits program. Team members can upload receipts as they shop and we are able to clear our reconciliations much faster this way.”
Tanya Karolia
Payroll & Benefits, Linktree
"We've had such a fantastic experience switching to Airwallex. Previously we were using a traditional bank to make all of our international transactions and they'd constantly lock us out of the account everytime we made a transfer, resulting in hours and hours of lost time on hold. Airwallex is secure, makes it super quick and simple to make and receive international payments."
Rupert
Managing Director, Perspective Pictures
Featured resources
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Virtual card vs physical cards: Which comes out on top?
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How to choose the best corporate card for your business
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We’re using AI to process your corporate card disputes faster. Here’s how.
Frequently asked questions
What is an international corporate business card?
An international corporate business card is a Visa payment card you can use to make payments in multiple foreign currencies from balances in your associated business account. Airwallex Corporate cards are multi-currency cards that enable your employees to make purchases from held balances in your Airwallex Wallet. This can be useful in eliminating costly and unnecessary currency conversion fees on international spend. Airwallex Corporate Cards are free to create and you can start using them immediately online. Pay for goods and services anywhere Visa is accepted, both online and in store.
What are the benefits of an international corporate business debit card?
Businesses paying for goods and services in more than one currency can benefit from the reduced fees associated with a multi-currency card. With an Airwallex Corporate Card, you can pay for domestic and international purchases directly from held currency balances in your Airwallex Wallet, eliminating unnecessary FX conversion fees. If you don’t have the necessary balance in the required currency, we’ll auto-convert available funds in your home currency at our bank-beating FX rates. You'll also benefit from 0% foreign card transaction fees, no hidden charges, and 2% cashback*.
Airwallex Corporate Cards are designed to streamlined your approach to company spending and give you more visibility and control. Eliminate the burden of manual reimbursements, set spending limits and controls, create custom approval workflows, and instantly create, freeze, or cancel cards. You'll always have a complete real-time view of card activity.
*See promotional terms here
When should I use a company card vs an employee card?
Company cards are good for business purchases that are typically made online and on behalf of the entire company or specific teams and departments. This could include purchases such as software subscriptions, office supplies, supplier payments, and marketing expenses. Company cards are currently only available as a virtual card. As an admin, you will be able to access card details for company cards.
Employee cards are great for individual employee purchases either made online or in person. This could include travel expenses like airfare or hotels and incidental purchases like coffee or snacks. Cardholders can also add their employee cards to Apple Wallet, Google Pay, or their digital wallet of choice for easy, contactless purchasing. As an admin, you will not be able to access card details for employee cards. Only the cardholder will be able to access their card details.
What are corporate cards?
Corporate cards are commercial payment cards a company issues to its employees for business spending, with the company rather than the employee responsible for the balance. Approval rests on the business's revenue and cash reserves, not the cardholder's personal credit score.
How does a corporate card work?
A corporate card works by letting a company set spending rules centrally, then issue physical or virtual cards to the people who need them. Each time someone uses the card, the platform checks the purchase against those rules in real time before approving it.
What is the difference between a business card and a corporate card?
The difference between a business card and a corporate card comes down to liability: business cards usually require a personal guarantee and a credit check on the owner, while corporate cards are approved on company financials alone. With a corporate card, the business carries the full liability, not the founder.
How do I get an Airwallex corporate card?
To get an Airwallex corporate card, open a business account online, complete KYC verification, and fund the account. Once you're verified, you can spin up virtual cards instantly or order physical cards for your team.
Can I use my EIN to get a corporate card?
Yes, you can use your EIN to apply for a corporate card without a Social Security Number or personal guarantee. Issuers rely on that tax ID to assess your company's revenue and cash balances rather than your personal credit.
Can I block certain types of spending or transactions with a corporate card?
Yes, you can block specific types of spending by setting restrictions around Merchant Category Codes. If an employee attempts a purchase that falls outside the rules, the card declines it right at checkout.
Who keeps corporate card cash back? The company or the employee?
The company keeps the cash back and rewards from corporate card spending, not the employee. That follows from the fact that the business funds the balance and carries all the liability.
How do I automate receipt collection?
You automate receipt collection with software that flags each transaction the moment it posts and prompts the employee to submit a receipt by text, email, or chat. AI then reads the receipt image and matches it to the right transaction in your books.
Can I use my corporate card for personal expenses?
No, corporate cards are meant for business expenses only. Mixing in personal spending creates audit risk and blurs the legal line between your personal and company finances.
What is the difference between a credit card and a corporate card?
The difference between a credit card and a corporate card is how spending is funded. A credit card lets you carry a balance and pay interest. A charge-style corporate card must be settled in full each cycle.
Who is eligible for a corporate card?
Eligibility for corporate cards depends on the card type and issuer requirements. Charge and credit corporate cards are usually limited to registered entities with strong financials, because they involve underwriting. Airwallex Corporate Cards are debit-based and funded from your own balance, so there's no underwriting or capital threshold.
What is the best corporate card for a small business?
Airwallex is the best corporate card for small business because it gives you unlimited virtual and physical cards, built-in spend controls, automated expense management, and zero foreign transaction fees, with no personal guarantee required. If your business buys from or sells to vendors abroad, that multi-currency setup saves real money on every cross-border purchase. Explore more other best corporate cards. To see how it stacks up against the competition and explore other top-rated providers, check out our comprehensive guide to the best corporate card.
Is an Airwallex corporate card a credit card, charge card, or debit card?
An Airwallex corporate card is a debit card. You spend from the balance you already hold in your Airwallex account, so there's no credit line to draw down and nothing to settle at the end of the cycle the way you would with a charge card.