AU Corporate Credit Card VS ICICI Bank Platinum Chip Credit Card
Both are free cards but built for different users. ICICI Bank Platinum Chip is a personal everyday card earning 2 Reward Points per ₹100 on retail with dining discounts and an HPCL fuel waiver. AU Corporate is a business expense card with no personal rewards program, instead offering 8 lounge visits a year, a ₹50 lakh air accident cover, and multi-employee card issuance with centralised billing. Individuals wanting everyday rewards should pick Platinum Chip; businesses managing team travel and fuel spend should pick AU Corporate.
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
AU Corporate Credit Card
ICICI Bank Platinum Chip Credit Card
Who is it for?
Who is it for?
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.
The ICICI Bank Platinum Chip Credit Card is lifetime free with no joining or annual fees.
Earns valuable reward points on everyday retail, utility, and insurance expenditures.
Enjoy significant savings with up to 15% discount on dining via the Culinary Treats Programme.
Benefit from a 1% fuel surcharge waiver at HPCL pumps for transactions between ₹400 and ₹4,000.
Conveniently convert your large purchases into easy and manageable EMI options.
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.
A redemption fee of ₹99 + GST is applicable for each reward point redemption request.
The card levies a relatively high foreign currency markup fee of 3.5% on international transactions.
High interest rates of 3.75% per month apply to overdue amounts and cash advances.
Significant cash advance fees are charged, which can be costly for emergency withdrawals.