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myBiz ICICI Bank Business+ Credit Card VS Aditya Birla AU Bank Credit Cards

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 myBiz ICICI Bank Business+ Credit Card and Aditya Birla AU Bank Credit Cards suit travel-focused spenders, but they earn and cost differently. 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. Aditya Birla AU Bank Credit Cards is lifetime-free and earns up to 10X Reward Points on select categories like Travel, Dining, Utilities; up to 6X on online spends. myBiz ICICI Bank Business+ Credit Card also brings 2 complimentary domestic airport lounge visits per quarter at participating lounges in India, while Aditya Birla AU Bank Credit Cards counters with complimentary domestic lounge access; 2 per quarter with Pro, or 1 per quarter optionally with Flex/Nxt. Weigh the fee against the reward rate above to see which fits your spending pattern better.

myBiz ICICI Bank Business+ Credit Card
myBiz ICICI Bank Business+ Credit Card
Aditya Birla AU Bank Credit Cards
Aditya Birla AU Bank Credit Cards

Fees & Charges

Joining Fee₹2,500 + GST
Joining Fee₹900 + GST
Renewal FeeFree (1st year)
Renewal Fee₹900 + GST
Spend Based Waiver
Spend Based WaiverJoining fee waiver on ₹15K spend (Pro); renewal fee waiver on ₹1.5L spend (Pro).
Foreign Transaction Fees3.5%
Foreign Transaction FeesRanges from 1.99% (Pro) to 3.50% (Flex, Biz) of the transaction amount.
Interest Rate (APR)3.67% Monthly (44% Yearly)
Interest Rate (APR)3.59% Per Month (43.08% Annually) on outstanding balances.

Rewards & Benefits

Welcome Bonus2500 myBiz Cash, ₹750 off on 7 flight bookings, ₹1500 off on 7 hotel bookings.
Welcome BonusUp to 1,000 Reward Points or a 3-month Amazon Prime Membership on meeting spend criteria.
Rewards RateEarn up to 4 myBiz Cash per ₹200 on myBiz app/website bookings; 1.25-1.5 myBiz Cash on other spends.
Rewards RateUp to 10X Reward Points on select categories; 1 RP per ₹200 for ABC Flex.
Reward TypeReward Points
Reward TypeReward Points, Cashback
Reward Redemption Fee₹99
Reward Redemption FeeNil

Travel & Lifestyle

Domestic Lounge Access2 complimentary domestic airport lounge visits per quarter at participating lounges in India.
Domestic Lounge Access2 free visits per quarter for ABC Pro; 1 per quarter (customizable) for Flex/Nxt.
International Lounge Access1 complimentary visit per year to an international airport lounge.
International Lounge Access
1 free visit per year for ABC Pro; available via customizable features for other cards.
Travel BenefitsDiscounts on flights/hotels, no booking/rescheduling fees, complimentary meals on domestic flights via myBiz.
Travel BenefitsFree Railway Lounge Access; 5% cashback on travel spends (customizable feature).
Movie Benefits
Movie BenefitsAccelerated Reward Points on Entertainment for ABC Pro cardholders.
Dining Benefits
Dining BenefitsAccelerated Reward Points & exclusive discounts; EazyDiner membership for Pro cardholders.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% surcharge waiver across all petrol pumps
Fuel Surcharge Waiver1% Fuel Surcharge Waiver is applicable on fuel transactions.

Security & Other

Insurance Benefits
Insurance BenefitsExclusive offers & discounts on ABC Loans, Insurance, and Investment products.
Cash Advance Charges2.5% or a minimum of ₹300
Cash Advance Charges2.5% of the cash advance amount.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

myBiz ICICI Bank Business+ Credit Card

Aditya Birla AU Bank Credit Cards

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.

Who is it for?

The Aditya Birla AU Bank Credit Cards are a versatile new range designed for diverse users, from individuals to businesses. They offer unique benefits like lifetime free options, customizable features, and exclusive memberships to platforms such as ZEE5 and Amazon Prime. Cardholders can enjoy accelerated reward points on various categories, extensive lounge access, and options for reduced foreign currency markup. These cards cater to those seeking tailored financial solutions with strong rewards and lifestyle perks.

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.

Pros

Key benefits and features.

Offers lifetime free credit card options, reducing annual financial burden significantly.

Unique customizable features allow tailoring benefits like cashback and lounge access.

Accelerated reward points across diverse categories including travel, dining, and utilities.

Includes exclusive memberships to popular platforms like Amazon Prime and ZEE5.

Provides specific card variants catering to business needs and international spends.

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.

Cons

Key drawbacks and limitations.

The multi-card structure can make understanding specific benefits complex for users.

Customizable features, while flexible, often come with an additional monthly cost.

Standard foreign currency markup is high on some variants, impacting international spends.

Reward points are not earned on certain categories like fuel, insurance, and rent.

High interest rates of 3.59% per month apply if balances are carried over.

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