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BOBCARD Empower Credit Card VS AU Corporate 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.

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.

Features

BOBCARD Empower Credit Card
BOBCARD Empower Credit Card
AU Corporate Credit Card
AU Corporate Credit Card

Fees & Charges

Joining Fee
Nil
Nil
Renewal Fee
₹250 + GST
Nil
Spend Based Waiver
Annual renewal fee is waived off if you spend ₹50,000 or more in the previous anniversary year.
Foreign Transaction Fees
3.5% of the total transaction amount.
2.99%
Interest Rate (APR)
3.49% per month.
3.49% per month (equivalent to 41.88% annually)

Rewards & Benefits

Welcome Bonus
Earn 500 Reward Points on spending ₹5,000 within 60 days of card issuance.
Rewards Rate
Earn 1 Reward Point for every ₹100 spent on all eligible Merchant Category Codes.
Reward Type
Reward Points
Not Applicable
Reward Redemption Fee
Nil

Travel & Lifestyle

Domestic Lounge Access
8 complimentary domestic lounge accesses per annum (max 2 per calendar quarter) via VISA.
International Lounge Access
Travel Benefits
Movie Benefits
Dining Benefits
Golf Benefits
Fuel Surcharge Waiver
1% waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹250 per statement cycle.
1% waiver on fuel (₹400-₹5000), max ₹200/cycle at all fuel stations.

Security & Other

Insurance Benefits
Air accidental death cover worth ₹15 lakhs and non-air accidental death cover worth ₹5 lakhs.
Air accident cover (up to ₹50 Lakhs), zero liability for fraud, and travel covers (up to ₹50,000).
Cash Advance Charges
2.5% (min ₹300) domestic, 3% (min ₹300) international.
2.5% of the over-limit amount (minimum ₹500).
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

BOBCARD Empower Credit Card

AU Corporate Credit Card

Who is it for?

The BOBCARD Empower Credit Card is tailored for proprietors and self-employed individuals, providing a smart solution for managing business expenses. It offers a zero joining fee, affordable renewal fee with waiver options, and a decent reward rate redeemable as cashback. Cardholders also benefit from complimentary insurance covers, fuel surcharge waivers, and features for tracking employee spends and simplifying bill settlements, making it an accessible business partner.

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.

Pros

Key benefits and features.

An excellent choice for small business owners managing their finances efficiently.

Facilitates convenient tracking of all card spends and simplifies bill payments.

Provides valuable insurance benefits for accidental death cover for cardholders.

Offers up to 50 days of interest-free credit to support diverse business needs.

Enjoy a personalised card look and contactless payments for added convenience.

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.

Cons

Key drawbacks and limitations.

The general reward rate of 0.25% cashback on most spends is relatively low.

Lacks any premium travel benefits, including domestic or international lounge access.

The foreign currency markup of 3.5% can be quite high for international transactions.

Fuel surcharge waiver is capped at ₹250 per month, limiting potential savings.

Welcome benefits are modest, offering only 500 reward points for initial spends.

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.

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.