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ICICI Bank Business Advantage Blue 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.

Features

ICICI Bank Business Advantage Blue Card
ICICI Bank Business Advantage Blue Card
AU Corporate Credit Card
AU Corporate Credit Card

Fees & Charges

Joining Fee
₹500 + GST
Nil
Renewal Fee
₹500 + GST
Nil
Spend Based Waiver
Joining fee waived on ₹50k spend in 60 days; annual fee waived on ₹5L spend/year.
Foreign Transaction Fees
3.5% on all international transactions.
2.99%
Interest Rate (APR)
3.40% to 3.75% per month (40.80% to 45% annually) on outstanding balances.
3.49% per month (equivalent to 41.88% annually)

Rewards & Benefits

Welcome Bonus
The joining fee of ₹500 + GST can be waived off if you spend ₹50,000 or more within the first 60 days of card issuance.
Rewards Rate
Up to 1% cashback on airline, hotel & restaurant spends; 0.20% on bill payments.
Reward Type
Cashback
Not Applicable
Reward Redemption Fee
Nil.

Travel & Lifestyle

Domestic Lounge Access
2 complimentary visits per quarter, max 8/year, on ₹36,000 spend in previous quarter.
8 complimentary domestic lounge accesses per annum (max 2 per calendar quarter) via VISA.
International Lounge Access
Not applicable.
Travel Benefits
Assistance with flight/hotel reservations & 2 complimentary domestic lounge visits per quarter.
Movie Benefits
Not Applicable
Dining Benefits
Avail minimum 15% discount on dining bills at 2500+ partnered restaurants under Culinary Treats Program.
Golf Benefits
Not Applicable
Fuel Surcharge Waiver
1% waiver at HPCL, max ₹500/month, on fuel spends up to ₹5,000.
1% waiver on fuel (₹400-₹5000), max ₹200/cycle at all fuel stations.

Security & Other

Insurance Benefits
Extensive coverage: Air accident (₹75L), accidental death (₹5L), medical (₹1L), lost card (₹1L).
Air accident cover (up to ₹50 Lakhs), zero liability for fraud, and travel covers (up to ₹50,000).
Cash Advance Charges
2.5% of transaction amount or ₹300, whichever is higher.
2.5% of the over-limit amount (minimum ₹500).
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

ICICI Bank Business Advantage Blue Card

AU Corporate Credit Card

Who is it for?

The ICICI Bank Business Advantage Blue Credit Card is tailored for professionals and entrepreneurs, offering valuable cashbacks on business expenses like airline, hotel, and restaurant spends. It provides significant savings through waivable fees, complimentary domestic lounge access, and extensive insurance coverage. With 24x7 concierge services and modern payment technology, it simplifies business spending and optimizes savings efficiently.

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.

Excellent for entrepreneurs, optimizing business expenditures with significant savings.

Offers cashbacks on frequent business expenses, including airline, hotel, and dining.

Provides comprehensive insurance coverage, enhancing security and peace of mind.

Both joining and annual fees are reasonable and can be waived by meeting spend targets.

Includes valuable perks like domestic airport lounge access and 24x7 concierge services.

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.

Cashback earnings are tiered and subject to statement balance thresholds, limiting initial rewards.

Cashback is restricted to specific categories like airline, hotel, and restaurant spends.

A maximum monthly cashback cap of ₹2,000 may limit significant high-spenders.

Does not offer any complimentary international airport lounge access benefits.

No cashback on common spends like fuel, insurance, or cash withdrawals.

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.

Ready to Choose?

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