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AU Corporate Credit Card VS IDFC FIRST Bank Business 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.
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Last updated: 21 July 2026

Both AU Corporate Credit Card and IDFC FIRST Bank Business Credit Card suit business-focused spenders, but they earn and cost differently. AU Corporate Credit Card is lifetime-free and earns not Applicable. IDFC FIRST Bank Business Credit Card costs ₹499 + GST and earns up to 10X Reward Points on foreign currency, 4X on business utility & digital advertising. AU Corporate Credit Card also brings 8 complimentary domestic lounge accesses per annum (max 2 per calendar quarter) via VISA, while IDFC FIRST Bank Business Credit Card counters with 2 complimentary domestic lounge visits per quarter, on minimum monthly spend of ₹20,000. Weigh the fee against the reward rate above to see which fits your spending pattern better.

AU Corporate Credit Card
AU Corporate Credit Card
IDFC FIRST Bank Business Credit Card
IDFC FIRST Bank Business Credit Card

Fees & Charges

Joining FeeLifetime Free
Joining Fee₹499 + GST
Renewal FeeLifetime Free
Renewal Fee₹999 + GST
Spend Based Waiver
Spend Based Waiver
Foreign Transaction Fees2.99%
Foreign Transaction Fees1.99%
Interest Rate (APR)3.49% per month; 41.88% annually
Interest Rate (APR)Low Interest Variant: 1.5-2% p.m. High Reward Variant: 3% p.m. 3.99% p.m. on less than Min Due.

Rewards & Benefits

Welcome Bonus
Welcome Bonus
Rewards Rate
Rewards RateUp to 10X Reward Points on business spends (forex, utility, digital ad). Choose low interest or high rewards.
Reward Type
Reward TypeReward Points
Reward Redemption Fee
Reward Redemption Fee₹99 + GST per redemption instance.

Travel & Lifestyle

Domestic Lounge AccessTwo complimentary visits to domestic airport lounges every quarter.
Domestic Lounge Access2 complimentary airport lounge visits per quarter (domestic/international) on ₹20,000 spend in previous month.
International Lounge Access
International Lounge Access2 complimentary airport lounge visits per quarter (domestic/international) on ₹20,000 spend in previous month.
Travel BenefitsComplimentary domestic airport lounge access and travel protections up to ₹50,000 for various travel inconveniences.
Travel BenefitsUp to 25% bonus on hotel/travel bookings via app. Includes comprehensive travel insurance benefits.
Movie Benefits
Movie Benefits
Dining Benefits
Dining Benefits1X/2X Reward Points on rentals, restaurants & utility.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% waiver for transactions between ₹400-₹5,000, capped at ₹200 per statement cycle.
Fuel Surcharge WaiverWaiver up to ₹500 per statement cycle.

Security & Other

Insurance BenefitsComprehensive insurance coverage, including air accident cover up to ₹50 lakhs and travel protections.
Insurance BenefitsRoad Side Assistance, ₹10L Personal Accident Cover, Lost Card, Credit Shield, Purchase Protection, Travel Insurance.
Cash Advance Charges2.5% of the over-limit amount (minimum ₹500)
Cash Advance Charges₹199 + GST for each instance. Up to 10% of total Credit Limit.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

AU Corporate Credit Card

IDFC FIRST Bank Business 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 IDFC FIRST Business Credit Card, issued by IDFC FIRST Bank, is a versatile business credit card designed for entrepreneurs and small to medium-sized corporations. It stands out by offering flexible plans, allowing users to choose between a low-interest rate structure or a high-rewards earning program, tailored to their business needs. Key benefits include accelerated reward points on business expenses, a competitive low forex markup, and complimentary airport lounge access, making it a comprehensive tool for efficient business expense management.

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.

Offers flexibility to choose between a low-interest rate plan or a high-rewards earning plan.

Reward Points are valid for a lifetime and have no expiry.

Low forex markup of 1.99%, significantly lower than the industry average.

Provides complimentary domestic and international airport lounge access.

Comprehensive insurance benefits including Road Side Assistance, Personal Accident Cover, and Travel Insurance.

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.

While reward earning is strong, the redemption options could be improved.

Complimentary lounge access requires a minimum spend of ₹20,000 in the previous month.

A rewards redemption fee of ₹99 + GST is applicable per redemption instance.

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)Apply for IDFC FIRST Bank Business Credit Card(opens in new tab)