American Express Platinum Travel Credit Card vs BOBCARD Etihad Guest Credit Card
How American Express Platinum Travel Credit Card and BOBCARD Etihad Guest Credit Card compare on fees, rewards and eligibility — verified as of June 2026.
By NexMaxo Editorial Team · Terms verified June 2026
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Quick take
Neither is lifetime-free: American Express Platinum Travel Credit Card costs ₹5,000 + GST (no spend-based waiver) and BOBCARD Etihad Guest Credit Card costs ₹2,500 + GST joining and annual fee (annual fee waived on ₹3 lakh annual spend) — both waivable on spend, so the rewards decide it.
American Express Platinum Travel Credit Card — better for higher spenders who hit annual milestones for travel vouchers.
BOBCARD Etihad Guest Credit Card — better for frequent etihad airways flyers who want a lower-fee co-branded card that earns etihad guest miles on every spend plus international lounge access and a low 1% forex markup.
Side by side
| American Express Platinum Travel Credit CardAmerican Express | BOBCARD Etihad Guest Credit CardBOBCARD (Bank of Baroda) | |
|---|---|---|
| Annual fee | ₹5,000 + GST (no spend-based waiver) | ₹2,500 + GST joining and annual fee (annual fee waived on ₹3 lakh annual spend) |
| Reward rate | 1 MR pt/₹50 base; milestone bonuses at ₹1.9L / ₹4L / ₹7L annual spend | 3 Etihad Guest Miles per ₹100 on Etihad Airways spends; 1 mile per ₹100 on all other domestic and international spends. Welcome: base 2,500 miles, plus a limited-time offer (until 30 Jun 2026) of up to 7,500 bonus miles (5,000 on ₹25,000 + 2,500 on ₹50,000 spend within 60 days). |
| Lifetime-free | No | No |
| Network | American Express | Visa |
| Eligibility | 18+ yrs; annual income ₹6L+; resident Indian | Age approx 21-60 years; minimum income approx ₹18 lakh per annum (aggregator-sourced); salaried or self-employed Indian residents |
| Best for | Higher spenders who hit annual milestones for travel vouchers. | Frequent Etihad Airways flyers who want a lower-fee co-branded card that earns Etihad Guest Miles on every spend plus international lounge access and a low 1% forex markup. |
American Express Platinum Travel Credit Card
- Milestone bonuses: 7,500 pts at ₹1.9L, 10,000 at ₹4L, 22,500 pts + ₹10,000 Taj voucher at ₹7L
- Complimentary airport-lounge visits
- 1 Membership Rewards point per ₹50 base spend
BOBCARD Etihad Guest Credit Card
- 3 Etihad Guest Miles/₹100 on Etihad spends; 1 mile/₹100 on all other domestic and international spends
- 8 domestic (2/quarter) + 4 international (1/quarter) complimentary lounge visits per year
- Low 1% forex markup; complimentary Etihad Guest Silver tier on first transaction within 6 months
American Express Platinum Travel Credit Card vs BOBCARD Etihad Guest Credit Card — FAQs
Neither is universally better. American Express Platinum Travel Credit Card suits higher spenders who hit annual milestones for travel vouchers. BOBCARD Etihad Guest Credit Card suits frequent etihad airways flyers who want a lower-fee co-branded card that earns etihad guest miles on every spend plus international lounge access and a low 1% forex markup. Compare the annual fee and reward rate above against your own spending — that's what decides it.
Neither is lifetime-free: American Express Platinum Travel Credit Card costs ₹5,000 + GST (no spend-based waiver) and BOBCARD Etihad Guest Credit Card costs ₹2,500 + GST joining and annual fee (annual fee waived on ₹3 lakh annual spend) — both waivable on spend, so the rewards decide it. On rewards, American Express Platinum Travel Credit Card gives milestone travel vouchers (up to a ₹10,000 taj voucher at ₹7l spend) plus lounge access. whereas BOBCARD Etihad Guest Credit Card gives 3 etihad guest miles per ₹100 on etihad airways spends (1 mile per ₹100 on everything else), with a low 1% foreign-currency markup.
American Express Platinum Travel Credit Card: ₹5,000 + GST (no spend-based waiver). BOBCARD Etihad Guest Credit Card: ₹2,500 + GST joining and annual fee (annual fee waived on ₹3 lakh annual spend). Both fees can usually be waived on annual spend — check the thresholds on each issuer's page.
This is an informational comparison, not financial advice. Card terms change often — confirm current fees, rewards and eligibility on each issuer's official page before applying. Pay your bill in full to avoid interest.