BOBCARD Etihad Guest Premium Credit Card
The BOBCARD Etihad Guest Premium Credit Card is a premium co-branded credit card from Bank of Baroda and Etihad Guest, with a joining fee of ₹5,000 + GST.
It earns up to 6 miles per ₹100 (≈3.6% value) on Etihad Guest spends in the form of etihad guest miles (miles).
Cardholders get 3 quarterly domestic + 2 quarterly international airport lounge access, plus 10,000 etihad guest joining miles as a welcome benefit.
- Joining Fee₹5,000
- Annual Fee₹5,000
- Best Suited ForTravel
- Reward TypeEtihad Guest Miles (miles)
- 6 miles per ₹100 on etihad airways
- Base 1.20% on other spends
- 10,000 Etihad Guest joining miles
- 5,000 spend-based Etihad Guest miles + complimentary Silver Tier status (first year)
Rewards and Benefits
- ₹50,000 / monthly: 500 bonus miles on any 4 transactions totalling ₹50,000
- ₹3,00,000 / quarterly: 4,000 bonus miles on ₹3,00,000 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 · 1.2% = ₹180/mo
- Groceries₹8,000 · 1.2% = ₹96/mo
- Dining & food delivery₹8,000 · 1.2% = ₹96/mo
- Fuel₹4,000 · 0.0% = ₹0/mo
- Travel & hotels₹10,000 · 1.2% = ₹120/mo
Travel & hotels — earns base; accelerated rate needs booking via etihad-direct
- Utilities & bills₹5,000 · 1.2% = ₹60/mo
₹6,624 rewards − ₹0 annual fee. Estimate for the spend you entered.
Fees & Charges
Product Details
- Co-branded premium card by Bank of Baroda and Etihad Guest.
- Joining / annual fee of ₹5,000 + GST, waived on annual spends of ₹5,00,000.
- Available on the Visa network.
- Complimentary airport lounge access: domestic (3/quarterly) + international (2/quarterly).
Pros & Cons
- Annual fee waivable on ₹5,00,000 spend.
- Low forex markup of 0.00% — suited to international spends.
- Complimentary international airport lounge access.
- Milestone-based bonus rewards on annual / quarterly spend thresholds.
- Accelerated earn worth ≈3.6% on etihad airways.
- High annual fee of ₹5,000.
- No rewards on fuel spends.
₹4,500 welcome benefit
- 10,000 Etihad Guest joining milesJoining fee paid + ₹25,000 spend in first 60 daysWindow: 60 days from issuance.
- 5,000 spend-based Etihad Guest miles + complimentary Silver Tier status (first year)Cumulative spend of ₹50,000
Accelerated rewards
- 6 miles per ₹100 on etihad airwaysMerchants: Etihad Airways6 Miles per ₹100 on Etihad Airways bookings.
- No per-cycle cap on accelerated Etihad Guest Miles (6/₹100 on Etihad Airways) per the Etihad Guest Premium MITC/KFS (ETIHAD MITC 2.0 APR 2026, retrieved 2026-07-05); miles co-brand is outside BOBCARD's central RP-cap table.
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
Milestone benefits
- ₹50,000 / monthly: 500 bonus miles on any 4 transactions totalling ₹50,000
- ₹3,00,000 / quarterly: 4,000 bonus miles on ₹3,00,000 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
- 750+
- Income (salaried)
- ₹12,00,000 p.a.
- Income (self-employed)
- ₹12,00,000 p.a.