ಆದಿತ್ಯ ಬಿರ್ಲಾ ಎಯು ಬ್ಯಾಂಕ್ ಕ್ರೆಡಿಟ್ ಕಾರ್ಡ್‌ಗಳು VS ಬಾಬ್‌ಕಾರ್ಡ್ ಎಂಪವರ್ ಕ್ರೆಡಿಟ್ ಕಾರ್ಡ್

Both are open to any proprietor with zero joining fee, but they reward very differently. BOBCARD Empower earns a flat 1 Reward Point per ₹100 (about 0.25% back as cashback) and focuses on business tools - employee spend tracking, categorised statements, and a ₹250 renewal fee waivable on ₹50,000 annual spend. Aditya Birla AU Bank instead earns up to 10X Reward Points on travel, dining, and utilities plus domestic and international lounge access, with no renewal fee at all. If you specifically need spend-tracking tools for a small business, Empower fits the brief; for a sole proprietor who mainly wants strong everyday rewards, Aditya Birla AU Bank returns more value for the same zero cost.