BOBCARD Etihad Guest Premium Credit Card
Updated 3 Jul 2026Source-linked
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 (≈1.8% 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.
BOBCARD Etihad Guest Premium Credit Card
- Joining Fee₹5,000
- Annual Fee₹5,000
- Best Suited ForTravel
- Reward TypeEtihad Guest Miles (miles)
Rewards Rate
- 6 miles per ₹100 on etihad airways
- Base 0.60% on other spends
Welcome Benefits
- 10,000 Etihad Guest joining miles
- 5,000 spend-based Etihad Guest miles + complimentary Silver Tier status (first year)
Rewards and Benefits
Rewards Rate
6 miles per ₹100 on etihad airways
Base 0.60% on other spends.
Reward Redemption
Etihad Guest: Redeem at ₹0.45 per unit.
Welcome Benefits
10,000 Etihad Guest joining miles
Milestone Rewards
- ₹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
Domestic Lounge Access
3 visits each quarterly.
International Lounge Access
2 visits each quarterly.
Travel
Co-branded with Etihad Guest; 6 miles per ₹100 on etihad airways.
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A
Fees & Charges
Spend-Based Waiver
₹5,00,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
0.00%
Interest Rates
3.49% per month (41.9% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹500 and ₹5,000, capped at ₹250 per monthly.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)
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
Pros
- 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.
Cons
- 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.
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
Domestic
3 visit(s) / quarterly. Via visa, dreamfolks.
International
2 visit(s) / quarterly. Via priority-pass.
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 3 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.