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AU Corporate Credit Card VS YES FIRST 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
YES FIRST Business Credit Card
YES FIRST Business Credit Card

Fees & Charges

Joining Fee
Nil
₹999 + GST
Renewal Fee
Nil
₹999 + GST
Spend Based Waiver
Joining Fee waiver on ₹20,000 spend in 30 days. Annual Fee waiver on ₹3 Lakhs spend/year.
Foreign Transaction Fees
2.99%
Very low 1.75% + taxes markup on international spends, significantly cost-effective.
Interest Rate (APR)
3.49% per month (equivalent to 41.88% annually)
3.99% per month (47.88% per annum) on outstanding due amount.

Rewards & Benefits

Welcome Bonus
Joining Fee waiver on spending ₹20,000 within 30 days of card issuance.
Rewards Rate
Earn 16 RPs/₹200 on Air, Hotel, Dining, Travel; 8 RPs/₹200 on others. Cap: 3,000 RPs/month.
Reward Type
Not Applicable
Reward Points
Reward Redemption Fee
₹100 + GST charge for redeeming reward points.

Travel & Lifestyle

Domestic Lounge Access
8 complimentary domestic lounge accesses per annum (max 2 per calendar quarter) via VISA.
2 free quarterly Domestic Lounges for VISA, post ₹75,000 quarterly spend.
International Lounge Access
6 free International Airport Lounges annually with Priority Pass/LoungeKey membership.
Travel Benefits
Accelerated rewards on travel, 6 international & 2 quarterly domestic lounge accesses.
Movie Benefits
Not Applicable
Dining Benefits
Enjoy 15% Off at Select Restaurants through the Dining Fiesta Program.
Golf Benefits
One free golf lesson monthly & Green Fee Waiver at Select Golf Courses via TeePass.
Fuel Surcharge Waiver
1% waiver on fuel (₹400-₹5000), max ₹200/cycle at all fuel stations.
1% waiver on ₹400-₹5,000 fuel transactions, capped at ₹1,000 per month.

Security & Other

Insurance Benefits
Air accident cover (up to ₹50 Lakhs), zero liability for fraud, and travel covers (up to ₹50,000).
Comprehensive cover up to ₹1 Cr (Air Accident), ₹25 L (Medical Emergency), ₹8 L (Credit Shield).
Cash Advance Charges
2.5% of the over-limit amount (minimum ₹500).
2.5% of withdrawn amount, with a minimum charge of ₹300.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

AU Corporate Credit Card

YES FIRST 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 YES FIRST Business Credit Card is tailored for entrepreneurs, offering a rewarding experience for business transactions. It boasts a low 1.75% foreign currency markup and extensive travel benefits, including complimentary lounge access worldwide. Cardholders can enjoy substantial reward points on diverse spends, valuable milestone benefits, and exclusive golf privileges. This card is ideal for business owners prioritizing travel, international spending, and a premium lifestyle.

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.

Low 1.75% foreign currency markup makes international business transactions highly cost-effective.

Extensive travel benefits include complimentary international and domestic lounge access for comfort.

Strong reward program provides accelerated points on key business spending categories like travel.

Valuable annual milestone benefits provide significant reward points for high-spending businesses.

Complimentary golf lessons and green fee waivers provide premium lifestyle perks for card users.

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.

Fuel transactions do not earn reward points, a drawback for businesses with high fuel expenses.

Domestic lounge access requires ₹75,000 quarterly spend, which might limit usage for some.

Accelerated reward points are capped at 3,000 per month in select categories, limiting potential.

High interest rate of 3.99% per month (47.88% annually) on outstanding amounts can be a concern.

A redemption fee of ₹100 + GST is charged for rewards, reducing their overall net value.

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.