Skip to main content

AU Corporate Credit Card VS BOBCARD ICSI Diamond Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.

Features

AU Corporate Credit Card
AU Corporate Credit Card
BOBCARD ICSI Diamond Credit Card
BOBCARD ICSI Diamond Credit Card

Fees & Charges

Joining Fee
Nil
Nil
Renewal Fee
Nil
Nil
Spend Based Waiver
Nil. Lifetime free card with zero joining and annual fees, no waiver needed.
Foreign Transaction Fees
2.99%
2% of the total transaction amount.
Interest Rate (APR)
3.49% per month (equivalent to 41.88% annually)
3.49% per month.

Rewards & Benefits

Welcome Bonus
Complimentary 6-months Fitpass Pro Membership worth ₹15,000 & 500 Reward Points on ₹5k spend.
Rewards Rate
Up to 5 Reward Points per ₹100 on dining, online & utility bills; 1 RP per ₹100 on others.
Reward Type
Not Applicable
Reward Points
Reward Redemption Fee
Nil

Travel & Lifestyle

Domestic Lounge Access
8 complimentary domestic lounge accesses per annum (max 2 per calendar quarter) via VISA.
12 complimentary access passes annually (3 per quarter), subject to ₹40k spend from Jan 2025.
International Lounge Access
Not Applicable
Travel Benefits
Complimentary domestic lounge access & low 2% foreign currency markup for international usage.
Movie Benefits
Not Applicable
Dining Benefits
Earn 5 Reward Points per ₹100 spent on dining.
Golf Benefits
Not Applicable
Fuel Surcharge Waiver
1% waiver on fuel (₹400-₹5000), max ₹200/cycle at all fuel stations.
1% waiver on ₹400-₹5,000 transactions, capped at ₹250 per statement cycle.

Security & Other

Insurance Benefits
Air accident cover (up to ₹50 Lakhs), zero liability for fraud, and travel covers (up to ₹50,000).
Professional Indemnity (₹5L), Air accident death (₹15L), Non-air accident death (₹5L) cover.
Cash Advance Charges
2.5% of the over-limit amount (minimum ₹500).
2.5% (min ₹300) domestic ATMs; 3% (min ₹300) international ATMs.
Apply Now(opens in new tab)
Apply Now(opens in new tab)
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

AU Corporate Credit Card

BOBCARD ICSI Diamond Credit Card

Who is it for?

The AU Corporate Credit Card is a comprehensive, lifetime-free solution for businesses to manage corporate travel, entertainment, and employee expenses efficiently. It centralizes billing, automates reconciliation with a web-based expense management solution, and offers robust features like domestic lounge access, a 1% fuel surcharge waiver, and extensive insurance benefits. Designed for cost savings and administrative convenience, it streamlines financial operations for organizations.

Who is it for?

The BOBCARD ICSI Diamond Credit Card is a lifetime-free, exclusive card for active ICSI members. It offers robust rewards up to 5x on dining, online & utilities, generous milestone bonuses, and complimentary domestic lounge access. Cardholders also benefit from comprehensive insurance, a low 2% foreign currency markup, and valuable perks like a fuel surcharge waiver and free add-on cards. This card delivers premium privileges and security tailored for professionals.

Pros

Key benefits and features.

Lifetime Free: No joining or renewal fees, which helps companies save money immediately.

Automated web-based expense management solution simplifies tracking, reconciliation, and approvals.

Extensive insurance covers: air accident (₹50L), zero fraud liability, and travel protection (₹50k).

Domestic Airport Lounge Access: Offers two complimentary visits per quarter.

Fuel Surcharge Waiver: Provides savings on fuel transactions.

Pros

Key benefits and features.

Lifetime free card, eliminating any concerns about joining or annual fees.

Offers robust reward programs with accelerated points and generous milestone bonuses.

Enjoy complimentary domestic lounge access and a competitive 2% foreign currency markup.

Provides extensive insurance coverage for professional indemnity and accidental death.

Includes valuable perks like fuel surcharge waiver, free add-on cards, and zero liability.

Cons

Key drawbacks and limitations.

Lacks welcome benefits and general rewards programs like cashback or loyalty points.

Foreign currency markup fee of 2.99% for international expenses.

No specific travel rewards for flights or hotels beyond lounge access and insurance.

Cons

Key drawbacks and limitations.

Exclusive card available only to active members of the Institute of Company Secretaries of India.

Accelerated reward points on specific categories are capped at 1000 RPs per cycle.

Domestic lounge access will require a minimum spend condition from January 2025.

No complimentary international airport lounge access provided with this credit card.

Reward points are primarily offered, with direct cashback not being a primary earning type.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.