CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
Bank of Baroda (BOBCARD)

BOBCARD Etihad Guest Premium Credit Card

35
Ranked #82 of 171 in credit
creditVisa/Mastercard (Metal)Premium-Travel-CobrandLegacy · discontinued

BOBCARD's premium Etihad Guest co-branded metal card — the only active Etihad credit card in India since SBI's Etihad partnership ended in March 2026 — offering 0% forex markup, fast-tracked Gold tier status with business-class lounge access, and generous no-condition lounge visits, but with miles locked exclusively to the Etihad redemption ecosystem.

Score breakdown

Data completeness: 70% · Last verified: 08 Jul 2026

Reward value23/100 · weight 71%
≈ 1.13% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +0.6% score bonus — earns broadly without narrow category restrictions.
No rewards on: education, insurance. Reward score is scaled by ×(1 − 0.8%), proportional to how much of the standard basket falls in these excluded categories (v4 formula, capped at −5%). Tip: pair with a card that covers these.
Fee efficiency63/100 · weight 12%
Redemption flexibility60/100 · weight 9%
Perks74/100 · weight 9%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
₹5,000 + 18% GST
= ₹5,900 total
Annual fee
₹5,000 + 18% GST
= ₹5,900 / year total
Waiver: Waived on Rs5,00,000 annual spend
Forex markup
0%

Lounge access

Domestic (per year)
12
International (per year)
8

Reward structure

CategoryTypeRateCapNotes
online_travel_bookingmiles3.00%(6 mi @ ₹0.50)—6 miles/Rs100 on Etihad Airways specifically
all_spendsmiles1.00%(2 mi @ ₹0.50)—2 miles/Rs100 other domestic/international spends

Welcome offer

10,000 Etihad Guest Miles on Rs25,000 spend within 60 days + joining fee; +5,000 more on Rs50,000 cumulative spend (LIMITED PROMO, verify current expiry — was extended through Aug 2026)

Milestone benefits

Pros

  • India's ONLY Etihad Guest co-branded card following SBI's exit from the partnership (Mar 2026)
  • genuine 0% forex markup
  • automatic Etihad Silver tier on first transaction + fast-track to Gold tier (business-class lounge access) on first Etihad.com purchase
  • unusually generous lounge access with NO spend condition
  • substantial milestone stacking potential (46,000+ miles/year achievable for Rs12L spenders)

Cons

  • Miles locked to Etihad platform only — no transfer partners, unlike flexible programs
  • unusually long MCC exclusion list (education, hospital, telecom, supermarket, fast food, insurance, government, and more)
  • Etihad is not part of any airline alliance, so Gold status benefits don't extend beyond Etihad flights
  • high income bar (Rs18L+)

What's inside

More benefits

  • Etihad Gold tier fast-track

    Automatic upgrade to Etihad Guest Gold tier on first etihad.com transaction within 6 months, unlocking business-class lounge access, priority check-in, excess baggage

    one-time. One transaction on Etihad.com within 6 months

  • Travel goal bonus miles

    Bonus miles for flying twice a year with Etihad

    yearly. 2 Etihad flights/year

Insurance cover

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Eligibility

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Income Rs18L+ p.a.; age 21-60; Indian resident

Small print

Fuel surcharge:1% waiver, Rs500-5,000 range, capped Rs250/cycle; fuel earns zero miles