BOBCARD Empower Credit Card VS AU Corporate Credit Card
Both are free-or-near-free business cards aimed at different scales of business. BOBCARD Empower is built specifically for proprietors and the self-employed, with zero joining fee and a modest, waivable renewal fee - a good fit for solo operators and small business owners who want a simple business-expense card without an expense-management platform attached. AU Corporate is lifetime-free but adds web-based expense reconciliation, multiple employee add-on cards, and centralised billing - better suited to a small team rather than a single proprietor. If you're a sole proprietor with no employees to manage, BOBCARD Empower is the simpler card; if you need to issue cards to a handful of staff and track their spend centrally, AU Corporate's tooling is the difference-maker.
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
BOBCARD Empower Credit Card
AU Corporate Credit Card
Who is it for?
Who is it for?
Pros
Key benefits and features.
Zero joining fee and an annual fee that is easily waived with moderate spending.
Earn 5X Reward Points on utility payments, maximizing savings on essential bills.
Benefit from up to 50 days of interest-free credit, aiding business cash flow management.
Includes a 1% fuel surcharge waiver, providing savings on regular fuel expenses.
Offers business-centric features like expense tracking and personalized card embossing.
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.
Cons
Key drawbacks and limitations.
Lacks premium lifestyle benefits such as lounge access, movies, dining, or travel perks.
Reward points are not earned on fuel transactions, limiting overall reward accumulation.
Details regarding the complimentary insurance covers are not explicitly specified.
A slight discrepancy in the stated annual fee (₹250 + GST vs. ₹500) exists.
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.

