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ICICI Bank Business Advantage Blue Card VS myBiz ICICI Bank Business+ 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 myBiz ICICI Bank Business+ 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. myBiz ICICI Bank Business+ Credit Card costs ₹2,500 + GST and earns 1.25-4 myBiz Cash for every ₹200 spent, with highest rates on MMT myBiz flights/hotels. ICICI Bank Business Advantage Blue Card also brings 2 complimentary visits per quarter, max 8/year, on ₹36,000 spend in previous quarter, while myBiz ICICI Bank Business+ Credit Card counters with 2 complimentary domestic airport lounge visits per quarter at participating lounges in India. If business spending matters more, go with ICICI Bank Business Advantage Blue Card; if travel is the priority, myBiz ICICI Bank Business+ Credit Card fits better.

ICICI Bank Business Advantage Blue Card
ICICI Bank Business Advantage Blue Card
myBiz ICICI Bank Business+ Credit Card
myBiz ICICI Bank Business+ Credit Card

Fees & Charges

Joining Fee₹500 + GST
Joining Fee₹2,500 + GST
Renewal Fee₹500 + GST
Renewal FeeFree (1st year)
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 Fees3.5%
Interest Rate (APR)3.75% per month (minimum due) or 3.40% per month (general, 40.80% annually).
Interest Rate (APR)3.67% Monthly (44% Yearly)

Rewards & Benefits

Welcome BonusJoining fee waiver if you spend ₹50,000 or more within 60 days of card issuance.
Welcome Bonus2500 myBiz Cash, ₹750 off on 7 flight bookings, ₹1500 off on 7 hotel bookings.
Rewards RateUp to 1% cashback on domestic/international spends, capped at ₹500/month. Additional 0.20% on bill payment.
Rewards RateEarn up to 4 myBiz Cash per ₹200 on myBiz app/website bookings; 1.25-1.5 myBiz Cash on other spends.
Reward TypeCashback
Reward TypeReward Points
Reward Redemption FeeNil
Reward Redemption Fee₹99

Travel & Lifestyle

Domestic Lounge Access8 complimentary visits per year (2/quarter) at select lounges, with ₹35,000 spend in previous quarter.
Domestic Lounge Access2 complimentary domestic airport lounge visits per quarter at participating lounges in India.
International Lounge Access
International Lounge Access1 complimentary visit per year to an international airport lounge.
Travel Benefits24x7 concierge services for flight/hotel booking, car rentals, and emergency auto assistance.
Travel BenefitsDiscounts on flights/hotels, no booking/rescheduling fees, complimentary meals on domestic flights via myBiz.
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% surcharge waiver across all petrol pumps

Security & Other

Insurance BenefitsPersonal air accident cover up to ₹75 lakhs and zero credit card lost liability.
Insurance Benefits
Cash Advance Charges2.5% of transaction amount or ₹300, whichever is higher.
Cash Advance Charges2.5% or a minimum of ₹300
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

ICICI Bank Business Advantage Blue Card

myBiz ICICI Bank Business+ 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 myBiz ICICI Bank Business+ Credit Card is an affordable business credit card specifically designed to cater to business and travel requirements. It offers a competitive reward rate on travel, complimentary airport lounge access, and discounts on travel bookings. Ideal for businesses that frequently book travel, it comes with no renewal fees after the first year, making it a cost-effective choice for corporate travel management.

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.

Enjoy a one-time joining fee with no renewal charges from the second year onwards.

Earn high rewards and accelerated myBiz Cash on all travel bookings via myBiz MMT.

Benefit from complimentary access to both domestic and international airport lounges.

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.

Benefits are largely concentrated on myBiz MMT travel bookings, limiting broader utility.

A foreign currency markup of 3.5% applies to international transactions, increasing costs.

A redemption fee of ₹99 is charged for converting myBiz Cash, reducing overall value.

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 myBiz ICICI Bank Business+ Credit Card(opens in new tab)