BOBCARD Etihad Guest Credit Card review
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. Verified as of June 2026.
By NexMaxo Editorial Team · Terms verified June 2026 · confirm before applying
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At a glance
BOBCARD (Bank of Baroda) · Visa
3 Etihad Guest Miles per ₹100 on Etihad Airways spends (1 mile per ₹100 on everything else), with a low 1% foreign-currency markup.
- Annual fee
- ₹2,500 + GST joining and annual fee (annual 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).
- Lifetime-free
- No
- Network
- Visa
- Eligibility
- Age approx 21-60 years; minimum income approx ₹18 lakh per annum (aggregator-sourced); salaried or self-employed Indian residents
Why it stands out
- 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
Good to know
- It isn't lifetime-free — the annual fee (₹2,500 + GST joining and annual fee (annual fee waived on ₹3 lakh annual spend)) applies unless you meet the spend-based waiver.
- Accelerated rewards are usually capped — check the monthly/quarterly caps in the reward rate above before counting on them.
- Issuers revise card terms often, so confirm the current fees, rewards and eligibility on BOBCARD (Bank of Baroda)'s official page before applying.
How it compares
See it ranked against similar cards in our best travel & lounge credit cards roundup.
BOBCARD Etihad Guest Credit Card — FAQs
No. The BOBCARD Etihad Guest Credit Card carries a fee — ₹2,500 + GST joining and annual fee (annual fee waived on ₹3 lakh annual spend). That fee is typically refunded only if you meet a spend threshold, so it's a spend-based waiver rather than a genuine lifetime-free card.
₹2,500 + GST joining and annual fee (annual fee waived on ₹3 lakh annual spend). Fees are dated as of June 2026 and can change — check the current schedule of charges on BOBCARD (Bank of Baroda)'s official page before applying.
3 Etihad Guest Miles per ₹100 on Etihad Airways spends (1 mile per ₹100 on everything else), with a low 1% foreign-currency markup. In detail: 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).. Reward values and caps are indicative and set by the issuer.
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. Eligibility is broadly Age approx 21-60 years; minimum income approx ₹18 lakh per annum (aggregator-sourced); salaried or self-employed Indian residents. It's not advice — pick a card that fits your own spending and confirm you qualify on the issuer's page.
This is an informational review, not financial advice or a recommendation to apply. Card terms change often — confirm current fees, reward rates and eligibility on BOBCARD (Bank of Baroda)'s official page before applying. Using credit responsibly and paying your bill in full avoids interest.