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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.
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Last updated: 18 July 2026

Both ICICI Bank Business Advantage Blue Card and AU Corporate Credit Card suit business-focused spenders, but they earn and cost differently. ICICI Bank Business Advantage Blue Card costs ₹500 + GST and earns up to 1% cashback on airline, hotel & restaurant spends; 0.20% on bill payments. AU Corporate Credit Card is lifetime-free and earns not Applicable. ICICI Bank Business Advantage Blue Card also brings 2 complimentary visits per quarter, max 8/year, on ₹36,000 spend in previous quarter, while AU Corporate Credit Card counters with 8 complimentary domestic lounge accesses per annum (max 2 per calendar quarter) via VISA. Weigh the fee against the reward rate above to see which fits your spending pattern better.

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
Joining FeeLifetime Free
Renewal Fee₹500 + GST
Renewal FeeLifetime Free
Spend Based WaiverJoining fee waived on ₹50,000 spend in 60 days. Renewal fee waived on ₹5,00,000 spend annually.
Spend Based Waiver
Foreign Transaction Fees3.5% on all international transactions.
Foreign Transaction Fees2.99%
Interest Rate (APR)3.75% per month (minimum due) or 3.40% per month (general, 40.80% annually).
Interest Rate (APR)3.49% per month; 41.88% annually

Rewards & Benefits

Welcome BonusJoining fee waiver if you spend ₹50,000 or more within 60 days of card issuance.
Welcome Bonus
Rewards RateUp to 1% cashback on domestic/international spends, capped at ₹500/month. Additional 0.20% on bill payment.
Rewards Rate
Reward TypeCashback
Reward Type
Reward Redemption FeeNil
Reward Redemption Fee

Travel & Lifestyle

Domestic Lounge Access8 complimentary visits per year (2/quarter) at select lounges, with ₹35,000 spend in previous quarter.
Domestic Lounge AccessTwo complimentary visits to domestic airport lounges every quarter.
International Lounge Access
International Lounge Access
Travel Benefits24x7 concierge services for flight/hotel booking, car rentals, and emergency auto assistance.
Travel BenefitsComplimentary domestic airport lounge access and travel protections up to ₹50,000 for various travel inconveniences.
Movie Benefits
Movie Benefits
Dining BenefitsMinimum 15% discount on dining bills under ICICI Bank Culinary Treats Program at 2500+ restaurants.
Dining Benefits
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% waiver at HPCL stations on transactions up to ₹5,000/month, max waiver ₹500/month.
Fuel Surcharge Waiver1% waiver for transactions between ₹400-₹5,000, capped at ₹200 per statement cycle.

Security & Other

Insurance BenefitsPersonal air accident cover up to ₹75 lakhs and zero credit card lost liability.
Insurance BenefitsComprehensive insurance coverage, including air accident cover up to ₹50 lakhs and travel protections.
Cash Advance Charges2.5% of transaction amount or ₹300, whichever is higher.
Cash Advance Charges2.5% 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 a powerful financial tool designed for professionals, entrepreneurs, and MSMEs. It simplifies spending and rewards businesses with cashback on eligible transactions. Positioned as a card for business savings and smart spending, it offers key benefits such as cashback on transactions, complimentary domestic airport lounge access, and comprehensive concierge services. This card is highly recommended for business individuals who frequently incur expenses on air travel and professional services, allowing for substantial savings on business expenditures, coupled with enhanced security features.

Who is it for?

The AU Corporate Credit Card is a lifetime-free solution from AU Bank, designed to streamline business expense management. It offers significant cost savings with zero joining and renewal fees, alongside valuable benefits like complimentary domestic airport lounge access and a fuel surcharge waiver. Businesses also gain comprehensive insurance coverage and an integrated web-based tool for efficient expense tracking. This card is ideal for companies prioritizing financial efficiency, security, and simplified operations.

Pros

Key benefits and features.

Designed for business savings, offering cashback on recurring business expenses.

Provides additional cashback for timely bill payments via Corporate Net Banking.

Includes valuable benefits like domestic lounge access and dining discounts.

Comprehensive 24x7 concierge services enhance convenience for business travel.

Offers robust insurance benefits including personal air accident cover.

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.

Cashback is capped at ₹500 per month, which may limit benefits for high spenders.

No cashback is earned if the monthly spend is less than ₹25,000.

Domestic lounge access requires a minimum spend of ₹35,000 in the previous quarter.

The foreign currency markup of 3.5% is relatively high for international transactions.

Fuel surcharge waiver is limited to HPCL stations and has a monthly cap.

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.
Apply for ICICI Bank Business Advantage Blue Card(opens in new tab)Apply for AU Corporate Credit Card(opens in new tab)