Get started with business credit cards before EOFY.
Business credit cards that empower your team and help streamline company spending. Get started online, no paperwork.

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All-in-one spending solution

Pay for what you need

Empower your team

Control spending

Xero integration
An easier way to make business purchases
Optimise your cash flow and consolidate business expenses with Archa credit cards. Empower your team with company cards all while spending less time doing financial admin.
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Real-time Xero integration
Archa works beautifully with your Xero accounting software, removing manual data entry and giving you time back to focus on your work.
Tap and pay
Easily make secure payments without your physical card. Archa is available on both Apple PayTM and GooglePayTM.

Simple and transparent subscription pricing
Find the pricing plan that best fits your business.
Don't just take our word for it
See what our clients are saying about Archa.
Fuel your passion with Google and Archa
We've partnered with Google to help businesses get started with digital marketing. Accelerate your business growth and receive digital marketing support directly from Google Ads consultants.

Business Credit Card FAQs
Archa is a business credit card and spend management platform purpose-built for high-growth businesses. By giving credit cards to you and your team, we help you manage your business spending, reduce admin time and focus more on the big picture.
Improve your cash flow and enjoy an easier way to pay with a 30-day line of interest-free credit. With the Archa app, you can eliminate employee reimbursements by instantly issuing cards for your employees, track all company spending, freeze and unfreeze cards and reduce manual data entry with our seamless Xero bank feed integration.
It’s also easy to start spending. Once you have sped through our easy sign-up process, you’ll receive a physical Archa business credit card which you can use to make purchases everywhere that Mastercard® is accepted or pay on the go with Apple Pay™ or GooglePay™. Receipt capture and submission from the Archa app are coming soon (very soon!).
If you're a business operating in Australia, with anywhere from 1 to 200 employees, a valid ABN or ACN, at least 6 months of business trading history and are registered for GST, then Archa is right for you. If you’re not sure if you qualify, please talk to us.
Archa is perfect for everyday business spending, whether SaaS subscriptions, business travel, client meeting expenses or equipment. Use Archa business credit cards like other credit cards, but you get more control and flexibility by easily issuing cards with set spending limits to your employees. Plus, you’ll reduce the time and hassle of accounting administration with our Xero bank feed integration.
Archa’s pricing is straightforward and transparent. We offer a range of plans, depending on the size of your business. Each plan includes credit limits that you can tailor to your business needs based on a price per user per month. Plans start from $14 per month.
At Archa, we’ve taken the hassle out of applying for a business and corporate credit card in Australia. With our super-fast application process, all you need are your mobile phone, ID, and business bank login details. We use financial technology to safely and securely analyse your banking transactions to make a decision and determine the total credit limit.
Complete an application in 5 minutes - without the paperwork required by traditional credit card providers.
Stay tuned for rewards later this year! Think similar to other corporate cards in Australia (such as Qantas Business Rewards).
For eligible customers, we’re excited to offer an exciting program with Google and Mastercard®. In this program, your business is guided by Google Ads experts for 3 to 6 months to run successful Google Ads campaigns to meet your marketing goals. This expert assistance for SMEs is exclusive to Archa customers. Register for the free program
Our statement period runs from the 15th to the 14th of each month, regardless of when you subscribe. The full balance is due each month and will be taken by direct debit from your nominated account on the 22nd (or the following business day).
Please note your first payment may not be a full 30 days after card activation, but we resume a standard 30-day credit cycle after this initial payment. As the balance is due in full (no minimum monthly payments), we don’t charge or make money from interest. Late payments may incur fees.
Basically, these are all different names for business credit cards, depending on the type of business structure. Our Archa business fintech credit card serves all types of businesses – from sole traders to corporations.
As your business grows, it’s important to keep your personal and business finances separate. In accounting lingo, mixing up business and personal funds is called ‘comingling funds’. It’s a no-no if you want a clear picture of your business's position. It will also make your life a lot easier at tax time when trying to figure out the difference between business and personal expenses.
Having a business credit card in Australia is a simple way to clearly draw a line between business and personal expenses (Trying to figure out ‘Were those office supplies for business or personal use?’ months later will give you a headache). This also applies to using a business loan instead of a personal loan for business purposes.
With Archa, we make it simple to apply for and get credit cards for business use. We specialise in providing startup credit cards for small businesses as well as corporate credit cards in Australia with no personal guarantee. Another benefit of getting business credit cards is that it enables a new business to build credit.
Speak with an Archa expert
Find out more about how Archa can help your business.