Skip to main content

AU Corporate Credit Card VS ICICI Bank HPCL Platinum 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.
Verified
Last updated: 18 July 2026

AU Corporate is a free business card with 8 lounge visits a year and strong insurance, but no personal fuel-specific rewards. ICICI Bank HPCL Platinum charges a low ₹199 + GST but earns 2.5% cashback on HPCL fuel plus international lounge access via Dreamfolks - unusual at this price point. For an individual HPCL customer, the ₹199 fee is a small price for fuel cashback and international lounge access; for a business tracking team fuel and travel spend across multiple cards, AU Corporate's free structure fits better.

AU Corporate Credit Card
AU Corporate Credit Card
ICICI Bank HPCL Platinum Credit Card
ICICI Bank HPCL Platinum Credit Card

Fees & Charges

Joining FeeLifetime Free
Joining Fee₹199 + GST
Renewal FeeLifetime Free
Renewal Fee₹199 + GST
Spend Based Waiver
Spend Based WaiverAnnual renewal fee waived if you spend Rs. 50,000 or more in the preceding year.
Foreign Transaction Fees2.99%
Foreign Transaction Fees3.50% on all foreign currency spends.
Interest Rate (APR)3.49% per month; 41.88% annually
Interest Rate (APR)3.40% per month (equivalent to 40.8% annually).

Rewards & Benefits

Welcome Bonus
Welcome Bonus
Rewards Rate
Rewards RateEarn 2 Reward Points for every Rs. 100 spent on all retail purchases, excluding fuel.
Reward Type
Reward TypeReward Points
Reward Redemption Fee
Reward Redemption FeeRs. 99 on every redemption request.

Travel & Lifestyle

Domestic Lounge AccessTwo complimentary visits to domestic airport lounges every quarter.
Domestic Lounge Access
International Lounge Access
International Lounge AccessAccess 2 complimentary airport lounge visits outside India every year.
Travel BenefitsComplimentary domestic airport lounge access and travel protections up to ₹50,000 for various travel inconveniences.
Travel BenefitsComplimentary Dreamfolks membership with USD 99 annual fee waived.
Movie Benefits
Movie BenefitsGet Rs. 100 off on movie ticket bookings via BookMyShow, twice a month.
Dining Benefits
Dining BenefitsMinimum 15% savings on dining bills through the ICICI Bank Culinary Treats Programme.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% waiver for transactions between ₹400-₹5,000, capped at ₹200 per statement cycle.
Fuel Surcharge Waiver1% fuel surcharge waiver at all HPCL pumps for transactions up to Rs. 4,000.

Security & Other

Insurance BenefitsComprehensive insurance coverage, including air accident cover up to ₹50 lakhs and travel protections.
Insurance Benefits
Cash Advance Charges2.5% of the over-limit amount (minimum ₹500)
Cash Advance Charges2.5% of the transaction amount or Rs. 300, whichever is higher.
Apply Now(opens in new tab)
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

AU Corporate Credit Card

ICICI Bank HPCL Platinum Credit Card

Who is it for?

The AU Corporate Credit Card is a lifetime-free solution from AU Bank, designed to streamline business expense management. It offers significant cost savings with zero joining and renewal fees, alongside valuable benefits like complimentary domestic airport lounge access and a fuel surcharge waiver. Businesses also gain comprehensive insurance coverage and an integrated web-based tool for efficient expense tracking. This card is ideal for companies prioritizing financial efficiency, security, and simplified operations.

Who is it for?

The ICICI Bank HPCL Platinum Credit Card is designed for individuals who frequently spend on fuel, offering 2.5% cashback on HPCL fuel and a 1% surcharge waiver. It also provides a rewarding points system for retail spending, along with valuable movie and dining discounts. With low fees and complimentary international lounge access, it's a versatile option for everyday savings, despite being discontinued.

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.

Significant savings on fuel with 2.5% cashback and 1% surcharge waiver at HPCL pumps.

Low joining and annual fees, easily waived by spending Rs. 50,000 annually.

Valuable lifestyle benefits including movie discounts and dining savings via Culinary Treats.

Complimentary Dreamfolks membership offers international lounge access and domestic spa sessions.

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.

The card has been discontinued, limiting new applications and future availability.

A redemption fee of Rs. 99 is charged on every reward point redemption request.

Lacks comprehensive insurance benefits, which might be a drawback for some users.

Cashback on fuel is capped at Rs. 100 per month, limiting maximum savings.

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.
Apply for AU Corporate Credit Card(opens in new tab)