Skip to main content

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.

Features

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
₹2,500 + GST
Renewal Fee
₹500 + GST
Nil
Spend Based Waiver
Joining fee waived on ₹50k spend in 60 days; annual fee waived on ₹5L spend/year.
Not applicable
Foreign Transaction Fees
3.5% on all international transactions.
3.5%
Interest Rate (APR)
3.40% to 3.75% per month (40.80% to 45% annually) on outstanding balances.
3.67% monthly (equivalent to 44% yearly)

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.
Receive 2500 myBiz Cash, flat ₹750 off on domestic/int'l flights & ₹1,500 off on hotel bookings.
Rewards Rate
Up to 1% cashback on airline, hotel & restaurant spends; 0.20% on bill payments.
Earn 1.25-4 myBiz Cash for every ₹200 spent, with highest rates on MMT myBiz flights/hotels.
Reward Type
Cashback
Reward Points
Reward Redemption Fee
Nil.
₹99

Travel & Lifestyle

Domestic Lounge Access
2 complimentary visits per quarter, max 8/year, on ₹36,000 spend in previous quarter.
2 complimentary domestic airport lounge visits per quarter at participating lounges in India.
International Lounge Access
Not applicable.
1 complimentary visit per year to an international airport lounge worldwide.
Travel Benefits
Assistance with flight/hotel reservations & 2 complimentary domestic lounge visits per quarter.
Discounts/offers on MMT myBiz bookings, no booking fees on hotels, no rescheduling on domestic flights.
Movie Benefits
Not Applicable
Not applicable
Dining Benefits
Avail minimum 15% discount on dining bills at 2500+ partnered restaurants under Culinary Treats Program.
Not applicable
Golf Benefits
Not Applicable
Not applicable
Fuel Surcharge Waiver
1% waiver at HPCL, max ₹500/month, on fuel spends up to ₹5,000.
1% surcharge waiver across all petrol pumps

Security & Other

Insurance Benefits
Extensive coverage: Air accident (₹75L), accidental death (₹5L), medical (₹1L), lost card (₹1L).
Not applicable
Cash Advance Charges
2.5% of transaction amount or ₹300, whichever is higher.
2.5% or a minimum of ₹300
Apply Now(opens in new tab)
Apply Now(opens in new tab)
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 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 myBiz ICICI Bank Business+ Credit Card is tailored for business and travel, offering myBiz Cash rewards redeemable on MakeMyTrip. It has a one-time joining fee offset by welcome benefits, effectively making it lifetime-free. Enjoy travel perks like lounge access and discounts on flight/hotel bookings, ideal for frequent business travelers.

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.

Features only a one-time joining fee, with no renewal charges.

Welcome benefits provide an equal value in myBiz Cash, effectively waiving the first year's fee.

Offers complimentary domestic and international airport lounge access.

Provides accelerated rewards for travel bookings made via MakeMyTrip myBiz.

Offers a valuable 1% fuel surcharge waiver across all petrol pumps, reducing fuel costs.

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.

Its benefits are heavily concentrated on travel bookings through MMT myBiz, limiting broader appeal.

A rewards redemption fee of ₹99 applies, which can reduce the overall value of earned points.

A foreign currency markup of 3.5% is charged on international transactions, increasing overseas spend costs.

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.