AU Corporate Credit Card Review 2026 — Fees, Rewards & Eligibility
Issuer: AU Small Finance Bank
Network: Visa | Tier: Entry
The AU Small Finance Bank Corporate Credit Card is a dedicated B2B financial solution designed for startups, SMEs, and large corporate houses to manage business travel, procurement, and operational expenses. Issued under a Corporate Liability framework, this card helps organizations centralize corporate expenses while optimizing working capital.
Why Choose the AU Corporate Credit Card?
The AU Corporate Credit Card is a Entry-tier Visa credit card issued by AU Small Finance Bank, rated 4.2/5 by the Credit Card Hunt editorial team. It is best suited for Corporate users. With a reward rate of None and an annual fee of NIL, it ranks among the popular Corporate cards in India in 2026.
New cardholders are welcomed with None, which adds immediate value in the first year.
AU Corporate Credit Card Fees & Charges
| Annual Fee | NIL |
|---|---|
| Joining Fee | NIL |
| Interest Rate | 3.49% per month |
| Foreign Markup | 3.5% |
| Fuel Surcharge Waiver | 1% waiver |
AU Corporate Credit Card Rewards & Benefits
| Reward Rate | None |
|---|---|
| Welcome Bonus | None |
| Lounge Access | 1 to 2 visits per quarter |
| Best For | Corporate users |
Key Highlights of the AU Corporate Credit Card
- Corporate card
AU Corporate Credit Card Eligibility Criteria
- Age: 21+ years
- CIBIL score: 700+
Minimum Income Required: As per bank policy
Advantages of the AU Corporate Credit Card
- Simplifies Reimbursements: Eliminates the administrative friction of manual employee out-of-pocket expense claims by putting an official corporate card directly in their hands.
- Protects Personal Credit Scores: Because liability sits firmly with the company
- employee utilization patterns or card balances have zero impact on the individual employee's personal CIBIL score.
- Comprehensive Insurance Shield: Includes robust commercial insurance coverage
- featuring built-in Air Accident Cover and Corporate Liability Waiver insurance to protect the business against employee card misuse.
- B2B Partner Discounts: Access to curated merchant discounts and corporate deals on premium business services
- hotel booking channels
- and enterprise software tools.
Drawbacks of the AU Corporate Credit Card
- No Path for Individual Upgrades: Employees have no independent control over the card parameters; all credit limits
- upgrades
- and structural alterations must pass through the company's central administrator.
- Commercial Redemptions Only: The reward points are optimized for corporate catalogs
- flights
- and travel portals
- making them unsuited for casual lifestyle or general consumer gift card redemptions.
- Strict Point Expiry and Caps: Points earned on business categories are subject to strict monthly accumulation caps and typically carry an expiration timeline of 2 to 3 years.
- Low Base Reward Yield: Baseline reward percentages are generally lower compared to high-end personal retail credit cards.
- Procurement Exclusions: Certain low-interchange categories such as government tax payments
- customs duties
- or rental payments may be excluded from regular point accumulation.
AU Corporate Credit Card — Frequently Asked Questions
What is the annual fee of the AU Corporate Credit Card?
The AU Corporate Credit Card has an annual fee of NIL and a joining fee of NIL. New cardholders receive None as a welcome benefit, which helps offset the joining cost.
Does the AU Corporate Credit Card offer airport lounge access?
Yes — the AU Corporate Credit Card offers 1 to 2 visits per quarter.
Who is eligible for the AU Corporate Credit Card?
The minimum income requirement is As per bank policy. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the AU Corporate Credit Card?
The AU Corporate Credit Card earns None. It is best suited for Corporate users.
Credit Cards Similar to the AU Corporate Credit Card
If you are considering the AU Corporate Credit Card, these corporate credit cards are worth comparing before you apply:
- BOB Corporate Credit Card by Bank of Baroda — rated 4.2/5, NIL annual fee
- Corporate Platinum Credit Card by HDFC Bank — rated 4.2/5, NIL annual fee
- Axis Corporate Card by Axis Bank — rated 4.2/5, NIL annual fee
- Federal Corporate Credit Card by Federal Bank — rated 4.2/5, NIL annual fee
Expert Rating: 4.2/5