Types of Credit Cards that Are Right for SME Entrepreneurs

Different credit cards, of course, will also be different benefits and benefits provided. However, one thing that is impossible for us is to have all kinds of credit cards, because if you count the numbers, it can reach up to dozens of different types. Then, what exactly are the criteria in finding the most ideal credit card for us to use?

Everyone will certainly have their own needs

Everyone will certainly have their own needs

And this is what is then targeted by credit card issuing banks in printing different types of cards in their products. There are many types of needs, it will take many types of credit cards to fulfill it.

However, as a businessman, you certainly want a credit card that is able to provide the best service in a variety of business affairs that you run. This is certainly very reasonable because everyone wants to get the best service and also the most appropriate for him.

Credit Card Criteria for a Business

Credit Card Criteria for a Business

If some people consider credit cards as a test in finance, then a businessman will see this as an opportunity and also a facility that can maximize the business that is being run at this time. Various facilities and also benefits can be provided by credit cards in developing the business that you are holding. But that can only happen if your credit card has various criteria below.

1. Large Credit Limit

It will be very important for a businessman to have a credit card with a large enough limit, this can be used if at any time you need an additional amount of capital. You will never know when your business will experience a lack of capital, this can happen at any time beyond your expectations. If this happens, then the credit card can be used to become a temporary source of capital in your business.

This, of course, can only be done if you have a large number of limits on your credit card so that at any time these funds can be withdrawn and used to run your business that is being disrupted. However, always remember well, that the capital is a debt which later must be paid back.

2. Percentage of Adequate Cash Withdrawals

Use a credit card that provides a sizeable cash withdrawal percentage, at least 50% of the total credit limit you have. This is very important to note from the beginning because it will be useless you have a large credit limit if it turns out the percentage of cash withdrawal is very small.

There are several banks that provide a percentage of cash withdrawals up to 50%. However, most banks only provide a cash withdrawal percentage of 20%. If you only have a cash withdrawal percentage of 20%, then the funds that can be withdrawn are also relatively very small.

3. Has Various Attractive Features

As a businessman, you will certainly take into account the various benefits that you can get from the credit card you use. Although it looks the same, basically every credit card has its own advantages in each type, so make sure you only use a credit card that has maximum benefits, such as:

  • Cashback
    Credit cards that have a cashback program, will provide many benefits for users, especially if the credit card is often used in certain places that have a cashback program with the card-issuing bank.
  • 0% installment
    Do not underestimate this, you will need it at any time if the bill swells and you do not have the funds to pay off all bills at once.
  • Point Rewards
    This is also one of the things that are beneficial in a credit card and makes sure your credit card has the program. Collect and always exchange your rewards points for various items/prizes provided by the issuing bank.

Choose and Make the Most of it


As we know, credit cards will have a variety of features and benefits that differ from one another. As a business person, you are certainly obliged to examine and choose the most appropriate credit card that can support the business that you are running. The best is not necessarily the most appropriate, look at your needs and match the type of card you need. In this way, the maximum benefit from the credit card can be obtained.

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