BOBCARD Etihad Guest Credit Card vs SBI Card ELITE
How BOBCARD Etihad Guest Credit Card and SBI Card ELITE 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: BOBCARD Etihad Guest Credit Card costs ₹2,500 + GST joining and annual fee (annual fee waived on ₹3 lakh annual spend) and SBI Card ELITE costs ₹4,999 + GST joining and renewal; renewal fee waived on annual spends of ₹10 lakh or more — both waivable on spend, so the rewards decide it.
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.
SBI Card ELITE — better for frequent travellers and entertainment spenders with ₹60k+ monthly income who want lounge access, milestone bonus points and a movie benefit, and can absorb the ₹4,999 fee against the ₹5,000 welcome voucher.
Side by side
| BOBCARD Etihad Guest Credit CardBOBCARD (Bank of Baroda) | SBI Card ELITESBI Card | |
|---|---|---|
| Annual fee | ₹2,500 + GST joining and annual fee (annual fee waived on ₹3 lakh annual spend) | ₹4,999 + GST joining and renewal; renewal fee waived on annual spends of ₹10 lakh or more |
| Reward rate | 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). | 2 RP per ₹100 base (~0.5%); 5X = 10 RP per ₹100 on dining/grocery/departmental stores (~2.5%, cap 10,000 RP/month); 1 RP = ₹0.25 (4 RP = ₹1) |
| Lifetime-free | No | No |
| Network | Visa | Visa / Mastercard / RuPay / American Express |
| Eligibility | Age approx 21-60 years; minimum income approx ₹18 lakh per annum (aggregator-sourced); salaried or self-employed Indian residents | Approx age 21-70 years; minimum income approx ₹60,000/month (aggregator-sourced) |
| Best 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. | Frequent travellers and entertainment spenders with ₹60k+ monthly income who want lounge access, milestone bonus points and a movie benefit, and can absorb the ₹4,999 fee against the ₹5,000 welcome voucher. |
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
SBI Card ELITE
- Up to 50,000 bonus Reward Points/year on milestones (10k each at ₹3L & ₹4L spend, 15k each at ₹5L & ₹8L)
- Complimentary Priority Pass: 6 international lounge visits/year (max 2/quarter) + 8 domestic lounge visits/year
- 5X Reward Points (10 RP/₹100) on dining, groceries & departmental stores, capped 10,000 RP/month; 2 free BookMyShow tickets/month (up to ₹250 each)
BOBCARD Etihad Guest Credit Card vs SBI Card ELITE — FAQs
Neither is universally better. 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. SBI Card ELITE suits frequent travellers and entertainment spenders with ₹60k+ monthly income who want lounge access, milestone bonus points and a movie benefit, and can absorb the ₹4,999 fee against the ₹5,000 welcome voucher. Compare the annual fee and reward rate above against your own spending — that's what decides it.
Neither is lifetime-free: BOBCARD Etihad Guest Credit Card costs ₹2,500 + GST joining and annual fee (annual fee waived on ₹3 lakh annual spend) and SBI Card ELITE costs ₹4,999 + GST joining and renewal; renewal fee waived on annual spends of ₹10 lakh or more — both waivable on spend, so the rewards decide it. On rewards, 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. whereas SBI Card ELITE gives welcome e-gift voucher worth ₹5,000 (offsets the first-year fee) plus up to 50,000 bonus reward points per year via spend milestones.
BOBCARD Etihad Guest Credit Card: ₹2,500 + GST joining and annual fee (annual fee waived on ₹3 lakh annual spend). SBI Card ELITE: ₹4,999 + GST joining and renewal; renewal fee waived on annual spends of ₹10 lakh or more. 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.