BOBCARD Etihad Guest Credit Card vs SBI Card PRIME
How BOBCARD Etihad Guest Credit Card and SBI Card PRIME 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 PRIME costs ₹2,999 + GST joining and ₹2,999 + GST annual/renewal (renewal fee waived on ₹3 lakh annual spend) — 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 PRIME — better for mid-to-high spenders who put ₹3l+/year through one card and want lounge access plus strong dining/grocery rewards and milestone vouchers.
Side by side
| BOBCARD Etihad Guest Credit CardBOBCARD (Bank of Baroda) | SBI Card PRIMESBI Card | |
|---|---|---|
| Annual fee | ₹2,500 + GST joining and annual fee (annual fee waived on ₹3 lakh annual spend) | ₹2,999 + GST joining and ₹2,999 + GST annual/renewal (renewal fee waived on ₹3 lakh annual spend) |
| 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). | 10 RP/₹100 on dining, groceries, movies and departmental stores; 2 RP/₹100 on all other spends; 1 RP = ₹0.25 (accelerated points reportedly capped ~7,500 RP/month) |
| 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 | Age approx 18-80 years; income criteria not officially published (aggregator-sourced, approx) |
| 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. | Mid-to-high spenders who put ₹3L+/year through one card and want lounge access plus strong dining/grocery rewards and milestone vouchers. |
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 PRIME
- 10 RP/₹100 on dining, groceries, movies and departmental stores; 2 RP/₹100 elsewhere (1 RP = ₹0.25)
- 8 complimentary domestic + 4 international Priority Pass lounge visits/year (capped 2/quarter each)
- Milestone vouchers: ₹1,000 Pizza Hut e-voucher on ₹50,000 quarterly spend + ₹7,000 Yatra/Pantaloons voucher on ₹5L annual spend
BOBCARD Etihad Guest Credit Card vs SBI Card PRIME — 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 PRIME suits mid-to-high spenders who put ₹3l+/year through one card and want lounge access plus strong dining/grocery rewards and milestone vouchers. 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 PRIME costs ₹2,999 + GST joining and ₹2,999 + GST annual/renewal (renewal fee waived on ₹3 lakh annual spend) — 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 PRIME gives 10 reward points per ₹100 on dining, groceries, movies and departmental stores (1 rp = ₹0.25, so ~2.5% value) plus ₹3,000 welcome voucher.
BOBCARD Etihad Guest Credit Card: ₹2,500 + GST joining and annual fee (annual fee waived on ₹3 lakh annual spend). SBI Card PRIME: ₹2,999 + GST joining and ₹2,999 + GST annual/renewal (renewal 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.