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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.
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Last updated: 21 July 2026

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

Joining FeeFree (1st year)
Joining FeeLifetime Free
Renewal Fee₹250 + GST
Renewal FeeLifetime Free
Spend Based WaiverThe annual/renewal fee is waived on spending ₹50,000 or more in the previous anniversary year.
Spend Based Waiver
Foreign Transaction Fees3.5% of the total transaction amount.
Foreign Transaction Fees2.99%
Interest Rate (APR)3.75% per month (45% per annum).
Interest Rate (APR)3.49% per month; 41.88% annually

Rewards & Benefits

Welcome BonusEarn 500 Reward Points on spending ₹5,000 or more within the first 60 days of card issuance.
Welcome Bonus
Rewards Rate5 Reward Points for every ₹100 on utility payments (max 1,000 points/cycle); 1 Reward Point for every ₹100 on other retail spends.
Rewards Rate
Reward TypeReward Points
Reward Type
Reward Redemption FeeNil
Reward Redemption Fee

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge AccessTwo complimentary visits to domestic airport lounges every quarter.
International Lounge Access
International Lounge Access
Travel Benefits
Travel BenefitsComplimentary domestic airport lounge access and travel protections up to ₹50,000 for various travel inconveniences.
Movie Benefits
Movie Benefits
Dining Benefits
Dining Benefits
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% waiver on transactions ₹400-₹5,000, capped at ₹250/month. GST applicable.
Fuel Surcharge Waiver1% waiver for transactions between ₹400-₹5,000, capped at ₹200 per statement cycle.

Security & Other

Insurance BenefitsComplimentary insurance covers (details not specified).
Insurance BenefitsComprehensive insurance coverage, including air accident cover up to ₹50 lakhs and travel protections.
Cash Advance Charges2.5% of withdrawn amount or ₹500, whichever is higher.
Cash Advance Charges2.5% of the over-limit amount (minimum ₹500)
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

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.

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.