AU Bank Purchase Credit Card VS AU CA Metal Credit Card VS AU Corporate Credit Card VS AU CS Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
AU Bank Purchase Credit Card
AU CA Metal Credit Card
AU Corporate Credit Card
AU CS Credit Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
Pros
Key benefits and features.
Offers a lifetime free structure, eliminating joining and annual fees for corporates.
Provides customisable spend controls, enhancing business expense management efficiency.
Features an extended interest-free credit period of up to 48 days for financial flexibility.
Includes web-based solutions for automated expense reconciliation and monitoring.
Allows restricting card usage at specific merchant categories for better control.
Pros
Key benefits and features.
It is a premium metal credit card with no joining or annual fees, making it lifetime free.
Enjoy a substantial 25% discount on ICAI membership renewal fee, offering significant savings.
Accelerated reward points on dining, travel, tax payments, and software purchases, plus other spends.
Features a low foreign currency markup of 1.99%, making it favorable for international transactions.
Robust insurance benefits including air accident cover, credit shield, and purchase protection.
Pros
Key benefits and features.
Integrated web-based tool for easy expense tracking and efficient management.
Zero liability for fraudulent transactions if the card is reported lost or stolen.
Enjoy significant cost savings with zero joining and renewal fees, making it a lifetime-free card.
Access complimentary domestic airport lounges twice every quarter for comfortable travel.
Benefit from comprehensive insurance coverage, including air accident cover up to ₹50 lakhs.
Pros
Key benefits and features.
Lifetime Free card, eliminating annual membership fees and providing long-term value.
Exceptional 25% cashback on ICSI Membership Renewal, a significant benefit for Company Secretaries.
High reward rate of 8 points per ₹100 on diverse spends like business, travel, and dining.
Complimentary domestic airport lounge access enhances travel comfort and experience.
Zero processing fee on Xpress EMI conversions offers financial flexibility for large purchases.
Cons
Key drawbacks and limitations.
Lacks traditional reward points, cashback, or air miles programs for users.
Primarily designed for corporate use, offering limited benefits for individual spending.
Specific details on other charges are not explicitly provided in the markdown.
Does not offer lounge access, golf privileges, or comprehensive insurance benefits.
Cons
Key drawbacks and limitations.
The card does not provide access to international airport lounges, despite low forex markup.
Reward earnings are capped at 100 points for utility/telecom and 5,000 points for key categories.
High interest rates of 3.75% per month (45% per annum) apply to outstanding balances.
Cons
Key drawbacks and limitations.
The card lacks welcome benefits and any additional rewards programs for users.
A foreign currency markup of 2.99% can increase costs for international business transactions.
High annual interest rate of 41.88% makes carrying balances expensive for businesses.
Cons
Key drawbacks and limitations.
Benefits are highly specialized, primarily catering to Company Secretaries, limiting broader appeal.
No international lounge access, which might be a drawback for frequent global travelers.
The card lacks explicit international currency markup details, potentially incurring hidden costs.
Absence of specific interest rates or cash advance charges makes financial planning less transparent.
Reward points redemption is through AU Rewardz, which may have limited or less flexible options.