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Credit CardsComparisons

Axis MyBiz Credit Card vs ICICI Business Advantage

A head-to-head comparison of Axis MyBiz Credit Card and ICICI Business Advantage across fees, rewards, and spending categories to help you decide which card suits your wallet better.

BusinessCard A

Axis MyBiz Credit Card

Travel-Heavy Businesses

Annual Fee
Lifetime Free
Reward Rate
4 RP per ₹200 on travel/hotels
Apply Now Read full review →
BusinessCard B

ICICI Business Advantage

Everyday Operations

Annual Fee
₹1,500
Reward Rate
Up to 1% Cashback (tiered)
Apply Now Read full review →

Feature comparison

FeatureAxis MyBizICICI Business
Annual FeeLifetime Free₹1,500 joining (waived on ₹50K in 60 days); ₹1,000 renewal from year 2 (waived on ₹5L annual spend)
Reward Rate4 RP per ₹200 on travel/hotelsUp to 1% Cashback (tiered)
Best ForTravel-Heavy BusinessesEveryday Operations
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryAxis MyBizICICI Business
Domestic travel
Utility bills
Everyday spending
Airport lounge access

Quick verdict

Choose Axis MyBiz Credit Card if:

  • Lower annual fee (₹Nil vs ₹1,500)
  • You spend heavily on domestic travel
  • You spend heavily on airport lounge access

Choose ICICI Business Advantage if:

  • You spend heavily on everyday spending
  • You spend heavily on utility bills

Full pros & cons

Axis MyBiz Credit Card

What's good
  • Comprehensive travel insurance for employees
  • Airport lounge access for business travellers
  • Higher limits enabled via GST-verified spend
Watch out for
  • Rewards are point-based, not direct cash
  • Reward rate (4 RP per ₹200) is modest compared to personal travel cards

ICICI Business Advantage

What's good
  • Expense management dashboard for bookkeeping
  • Easy accounting integration with GST invoices
  • Fuel surcharge waiver on business travel
Watch out for
  • Lower overall reward ceiling vs premium business cards
  • Limited travel and lifestyle perks