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AU Corporate Credit Card VS myBiz ICICI 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.

Features

AU Corporate Credit Card
AU Corporate Credit Card
myBiz ICICI Bank Business+ Credit Card
myBiz ICICI Bank Business+ Credit Card

Fees & Charges

Joining Fee
Nil
₹2,500 + GST
Renewal Fee
Nil
Nil
Spend Based Waiver
Not applicable
Foreign Transaction Fees
2.99%
3.5%
Interest Rate (APR)
3.49% per month (equivalent to 41.88% annually)
3.67% monthly (equivalent to 44% yearly)

Rewards & Benefits

Welcome Bonus
Receive 2500 myBiz Cash, flat ₹750 off on domestic/int'l flights & ₹1,500 off on hotel bookings.
Rewards Rate
Earn 1.25-4 myBiz Cash for every ₹200 spent, with highest rates on MMT myBiz flights/hotels.
Reward Type
Not Applicable
Reward Points
Reward Redemption Fee
₹99

Travel & Lifestyle

Domestic Lounge Access
8 complimentary domestic lounge accesses per annum (max 2 per calendar quarter) via VISA.
2 complimentary domestic airport lounge visits per quarter at participating lounges in India.
International Lounge Access
1 complimentary visit per year to an international airport lounge worldwide.
Travel Benefits
Discounts/offers on MMT myBiz bookings, no booking fees on hotels, no rescheduling on domestic flights.
Movie Benefits
Not applicable
Dining Benefits
Not applicable
Golf Benefits
Not applicable
Fuel Surcharge Waiver
1% waiver on fuel (₹400-₹5000), max ₹200/cycle at all fuel stations.
1% surcharge waiver across all petrol pumps

Security & Other

Insurance Benefits
Air accident cover (up to ₹50 Lakhs), zero liability for fraud, and travel covers (up to ₹50,000).
Not applicable
Cash Advance Charges
2.5% of the over-limit amount (minimum ₹500).
2.5% or a minimum of ₹300
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

AU Corporate Credit Card

myBiz ICICI Bank Business+ 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 myBiz ICICI Bank Business+ Credit Card is tailored for business and travel, offering myBiz Cash rewards redeemable on MakeMyTrip. It has a one-time joining fee offset by welcome benefits, effectively making it lifetime-free. Enjoy travel perks like lounge access and discounts on flight/hotel bookings, ideal for frequent business travelers.

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.

Features only a one-time joining fee, with no renewal charges.

Welcome benefits provide an equal value in myBiz Cash, effectively waiving the first year's fee.

Offers complimentary domestic and international airport lounge access.

Provides accelerated rewards for travel bookings made via MakeMyTrip myBiz.

Offers a valuable 1% fuel surcharge waiver across all petrol pumps, reducing fuel costs.

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.

Its benefits are heavily concentrated on travel bookings through MMT myBiz, limiting broader appeal.

A rewards redemption fee of ₹99 applies, which can reduce the overall value of earned points.

A foreign currency markup of 3.5% is charged on international transactions, increasing overseas spend costs.

Ready to Choose?

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