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AU Corporate Credit Card VS HDFC Bank Titanium Edge 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
HDFC Bank Titanium Edge Credit Card
HDFC Bank Titanium Edge Credit Card

Fees & Charges

Joining Fee
Nil
Nil
Renewal Fee
Nil
Nil
Spend Based Waiver
Renewal fee waived on spending Rs. 50,000 or more in the previous anniversary year.
Foreign Transaction Fees
2.99%
3.5% on all foreign currency spends.
Interest Rate (APR)
3.49% per month (equivalent to 41.88% annually)
Interest rate is 3.49% per month.

Rewards & Benefits

Welcome Bonus
No welcome benefits are offered with this credit card.
Rewards Rate
Earn 2 Reward Points for every ₹150 spent, with 3 RP on dining spends.
Reward Type
Not Applicable
Reward Points
Reward Redemption Fee
Rs. 99 per redemption request, waived for cash credit redemption.

Travel & Lifestyle

Domestic Lounge Access
8 complimentary domestic lounge accesses per annum (max 2 per calendar quarter) via VISA.
Not Applicable
International Lounge Access
Not Applicable
Travel Benefits
Not Applicable
Movie Benefits
Not Applicable
Dining Benefits
Earn 50% more Reward Points on dining (3 RP for every Rs. 150 spend).
Golf Benefits
Not Applicable
Fuel Surcharge Waiver
1% waiver on fuel (₹400-₹5000), max ₹200/cycle at all fuel stations.
1% waiver on fuel (Rs. 400-Rs. 5,000), max Rs. 250/billing cycle.

Security & Other

Insurance Benefits
Air accident cover (up to ₹50 Lakhs), zero liability for fraud, and travel covers (up to ₹50,000).
Zero liability protection against lost/stolen cards if reported immediately.
Cash Advance Charges
2.5% of the over-limit amount (minimum ₹500).
2.5% of withdrawn amount, minimum Rs. 500.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

AU Corporate Credit Card

HDFC Bank Titanium Edge 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 HDFC Bank Titanium Edge Credit Card is an entry-level credit card designed for individuals new to credit or those seeking an affordable option with a decent reward rate. It comes with a zero joining fee and can be made lifetime free by spending Rs. 50,000 or more in an anniversary year. The card offers a base reward rate of 2 Reward Points for every Rs. 150 spent, with accelerated rewards on dining. It's a practical choice for everyday spending.

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.

Zero joining fee and easily waivable renewal fee makes it budget-friendly.

Offers accelerated rewards on dining, making it good for foodies.

Provides a decent 1% fuel surcharge waiver, saving money on fuel expenses.

Comes with EMV chip and zero liability protection for secure transactions.

An interest-free period of up to 50 days helps manage your monthly finances better.

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.

Lack of premium benefits like airport lounge access and comprehensive travel features.

A redemption fee of Rs. 99 applies for most reward point redemptions.

High foreign currency markup of 3.5% makes international spending expensive.

The card offers no specific welcome benefits, which some users might expect.

Reward points are only valid for two years, requiring timely redemption.

Ready to Choose?

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