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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.

Features

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
Nil
Renewal Fee
Nil
Nil
Spend Based Waiver
Not applicable
Joining fee waiver on Rs. 15,000 spend, and renewal fee waiver on Rs. 1.5 lakh spend (ABC Pro).
Foreign Transaction Fees
3.5%
Ranges from 1.99% (ABC Pro) to 3.50% (ABC Flex, Biz) of the transaction amount.
Interest Rate (APR)
3.67% monthly (equivalent to 44% yearly)
3.59% Per Month (43.08% Annually).

Rewards & Benefits

Welcome Bonus
Receive 2500 myBiz Cash, flat ₹750 off on domestic/int'l flights & ₹1,500 off on hotel bookings.
Up to 1,000 Reward Points as welcome benefits; ABC Pro card offers 1,000 points on first transaction.
Rewards Rate
Earn 1.25-4 myBiz Cash for every ₹200 spent, with highest rates on MMT myBiz flights/hotels.
Up to 10X Reward Points on select categories like Travel, Dining, Utilities; up to 6X on online spends.
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
₹99
Not Applicable

Travel & Lifestyle

Domestic Lounge Access
2 complimentary domestic airport lounge visits per quarter at participating lounges in India.
Complimentary domestic lounge access; 2 per quarter with Pro, or 1 per quarter optionally with Flex/Nxt.
International Lounge Access
1 complimentary visit per year to an international airport lounge worldwide.
Complimentary international lounge access, with 1 visit per year included with ABC Pro Credit Card.
Travel Benefits
Discounts/offers on MMT myBiz bookings, no booking fees on hotels, no rescheduling on domestic flights.
Accelerated Reward Points on travel, free Railway Lounge Access, and optional 5% cashback.
Movie Benefits
Not applicable
Accelerated Reward Points on Movies & Entertainment categories.
Dining Benefits
Not applicable
Accelerated Reward Points, exclusive discounts up to 30% with partners, and optional 5% cashback.
Golf Benefits
Not applicable
Not Applicable
Fuel Surcharge Waiver
1% surcharge waiver across all petrol pumps
1% Fuel Surcharge Waiver is applicable.

Security & Other

Insurance Benefits
Not applicable
Not Applicable
Cash Advance Charges
2.5% or a minimum of ₹300
2.5%.
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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 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.

Who is it for?

Aditya Birla AU Bank Credit Cards offer a versatile suite catering to diverse needs, featuring lifetime free options and customizable benefits. They provide accelerated reward points on various categories like travel, dining, and business, along with exclusive memberships to popular platforms. Cardholders can also enjoy lounge access and tailored offers, making them suitable for both personal and business users seeking value and flexibility.

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.

Pros

Key benefits and features.

Lifetime free options eliminate joining and renewal charges for select card variants.

Offers innovative customizable features allowing users to tailor benefits like cashback and lounge access.

Accelerated reward points on diverse categories including travel, dining, utilities, and business expenses.

Provides exclusive memberships to popular platforms such as ZEE5, Amazon Prime, and Cult.fit.

Lower foreign currency markup available with ABC Pro, beneficial for international transactions.

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.

Cons

Key drawbacks and limitations.

The reward point earning structure varies significantly, making it complex to maximize benefits across cards.

Limited or no insurance and golf benefits, which are common offerings in other premium credit cards.

Lifetime free options are limited to specific variants, with other cards incurring joining and renewal fees.

The customizable features come with additional costs, reducing their overall value proposition.

Reward points are not earned on specific spends like Fuel, Jewellery, Insurance, and Rent for Flex card.

Ready to Choose?

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