BOBCARD Etihad Guest Credit Card
The BOBCARD Etihad Guest Credit Card is a mid co-branded credit card from Bank of Baroda and Etihad Guest, with a joining fee of ₹2,500 + GST.
It earns up to 3 miles per ₹100 (≈1.8% value) on Etihad Guest spends in the form of etihad guest miles (miles).
Cardholders get 2 quarterly domestic + 1 quarterly international airport lounge access, plus 5,000 etihad guest joining miles as a welcome benefit.
- Joining Fee₹2,500
- Annual Fee₹2,500
- Best Suited ForTravel
- Reward TypeEtihad Guest Miles (miles)
- 3 miles per ₹100 on etihad airways
- Base 0.60% on other spends
- 5,000 Etihad Guest joining miles
- 2,500 spend-based Etihad Guest miles
Rewards and Benefits
- ₹25,000 / monthly: 250 bonus miles on any 4 transactions totalling ₹25,000
- ₹2,00,000 / quarterly: 2,000 bonus miles on ₹2,00,000 quarterly spend
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
No accelerated categories apply to the spend you entered — everything earns the base rate.
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Online shopping₹15,000 · 0.6% = ₹90/mo
- Groceries₹8,000 · 0.6% = ₹48/mo
- Dining & food delivery₹8,000 · 0.6% = ₹48/mo
- Fuel₹4,000 · 0.0% = ₹0/mo
- Travel & hotels₹10,000 · 0.6% = ₹60/mo
Travel & hotels — earns base; accelerated rate needs booking via etihad-direct
- Utilities & bills₹5,000 · 0.6% = ₹30/mo
₹3,312 rewards − ₹0 annual fee. Estimate for the spend you entered.
Fees & Charges
Product Details
- Co-branded mid card by Bank of Baroda and Etihad Guest.
- Joining / annual fee of ₹2,500 + GST, waived on annual spends of ₹3,00,000.
- Available on the Visa network.
- Complimentary airport lounge access: domestic (2/quarterly) + international (1/quarterly).
Pros & Cons
- Annual fee waivable on ₹3,00,000 spend.
- Low forex markup of 1.00% — suited to international spends.
- Complimentary international airport lounge access.
- Milestone-based bonus rewards on annual / quarterly spend thresholds.
- No rewards on fuel spends.
₹2,250 welcome benefit
- 5,000 Etihad Guest joining milesJoining fee paid + ₹25,000 spend in first 60 daysWindow: 60 days from issuance.
- 2,500 spend-based Etihad Guest milesCumulative spend of ₹50,000
Accelerated rewards
- 3 miles per ₹100 on etihad airwaysMerchants: Etihad Airways3 Miles per ₹100 on Etihad Airways bookings.
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
Milestone benefits
- ₹25,000 / monthly: 250 bonus miles on any 4 transactions totalling ₹25,000
- ₹2,00,000 / quarterly: 2,000 bonus miles on ₹2,00,000 quarterly spend
Airport lounge access
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹500 and ₹5,000, capped at ₹250 per monthly.
Sources
- : www.bobcard.co.in · retrieved 3 Jul 2026
Last verified 5 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–60
- Credit score
- 720+
- Income (salaried)
- ₹6,00,000 p.a.
- Income (self-employed)
- ₹6,00,000 p.a.