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BOBCARD Etihad Guest Credit Card

✍️ Fact-checked by Parash Editorial • 🔄 Updated April 2026
Bank of Baroda Visa Mid

Join / Annual

₹0/₹2500

Base Rate

1.0%

Reward Type

Points

Overview

The BOBCARD Etihad Guest Credit Card is a Mid credit card issued by Bank of Baroda on the Visa network. It offers a base reward rate of 1.0% on all spends, with rewards issued as Points(1 pt = ₹0.5).

Annual Fee: ₹2,500
Eligibility: Contact the bank for eligibility details.

Reward Rates & Cashback Rules

  • MERCHANT – Etihad Airways: 3.0% cashback
  • CATEGORY – Fuel: 0.0% cashback ⚠️ No reward points on fuel transactions.
  • CATEGORY – Rent: 0.0% cashback ⚠️ No reward points on rental payments.
  • CATEGORY – Wallet Load: 0.0% cashback ⚠️ No reward points on wallet loads.
  • CATEGORY – EMI: 0.0% cashback ⚠️ No reward points on EMI transactions.

Key Features & Benefits

  • Welcome Bonus 🎁: Up to 7,500 bonus Etihad Guest miles. Get 2,500 miles on spending ₹10,000 within 60 days and an extra 2,500 miles on spending ₹50,000 in the same period (offer valid until April 30, 2026).
  • Etihad Guest Silver Tier ✈️: Complimentary upgrade to Etihad Guest Silver Tier status after the first transaction on Etihad.com within six months of card issuance.
  • Lounge Access 🛋️: 8 complimentary domestic airport lounge visits per year (2 per quarter) and 4 complimentary international lounge visits per year (1 per quarter).
  • Fuel Surcharge Waiver ⛽: 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000, capped at ₹250 per statement cycle.
  • Milestone Benefits 🏆: Earn 2,000 bonus Miles on spending ₹2,00,000 in a quarter and 12,000 bonus Miles on spending ₹7,50,000 in a year.

Features & Benefits

🎁

Welcome Bonus

Up to 7,500 bonus Etihad Guest miles. Get 2,500 miles on spending ₹10,000 within 60 days and an extra 2,500 miles on spending ₹50,000 in the same period (offer valid until April 30, 2026).

✈️

Etihad Guest Silver Tier

Complimentary upgrade to Etihad Guest Silver Tier status after the first transaction on Etihad.com within six months of card issuance.

🛋️

Lounge Access

8 complimentary domestic airport lounge visits per year (2 per quarter) and 4 complimentary international lounge visits per year (1 per quarter).

⛽

Fuel Surcharge Waiver

1% fuel surcharge waiver on transactions between ₹500 and ₹4,000, capped at ₹250 per statement cycle.

🏆

Milestone Benefits

Earn 2,000 bonus Miles on spending ₹2,00,000 in a quarter and 12,000 bonus Miles on spending ₹7,50,000 in a year.

Cashback Engine Rules

The exact calculator logic parameters extracted from the terms & conditions.

Etihad Airways
Reward: 3.0%
3%
Fuel Exclusion
⚠️ Exceptions: No reward points on fuel transactions.
Rent Exclusion
⚠️ Exceptions: No reward points on rental payments.
Wallet Load Exclusion
⚠️ Exceptions: No reward points on wallet loads.
EMI Exclusion
⚠️ Exceptions: No reward points on EMI transactions.

Value Chart

Assuming basic spends for BOBCARD Etihad Guest Credit Card

Category BOBCARD Etihad Guest Credit Card Axis Bank Privilege Credit Card Samsung Axis Bank Signature Credit Card Vistara Axis Bank Credit Card
₹
Joining Fee 		₹0 ₹0 ₹0 ₹0
₹
Annual Fee 		₹2500 ₹1500 ₹500 ₹0
🌍
Forex Markup 		3.5% 3.5% 3.5% 3.5%
%
Base Rate 		1.0% 5.0% 5.0% 1.0%
★
Known Rules 		5 rules 7 rules 10 rules 9 rules

Pros & Cons

✓

Pros

  • + Etihad Airways — 3.0% Points
  • + Welcome Bonus
  • + Etihad Guest Silver Tier
  • + Lounge Access
  • + Fuel Surcharge Waiver
✗

Cons

  • − No reward on Fuel — No reward points on fuel transactions.
  • − No reward on Rent — No reward points on rental payments.
  • − No reward on Wallet Load — No reward points on wallet loads.
  • − No reward on EMI — No reward points on EMI transactions.
  • −Forex markup of 3.5% on international spends
  • −Relatively low base reward rate of 1.0%

Our Verdict

₹ Real Value Calculation (assumed ₹3L/year spend)

Est. Annual Rewards

₹3000

Annual Fee

₹2500

Net Value

+₹500

✅ At ₹3L/year spend, base rewards alone cover the fee. Additional benefits like lounge access add further value.

👍 Best For

  • › Regular earners with ₹50k–₹1.5L monthly spends
  • › Those seeking a balance of rewards and moderate fees

👎 Not Worth It If…

  • › You spend heavily in foreign currency — 3.5% markup adds up fast
  • › You rarely use premium benefits like lounges or concierge
  • › You prefer a no-annual-fee card with simpler terms

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Frequently Asked

The annual fee is ₹2,500 + GST. It is waived if you spend ₹3,00,000 or more in the previous card year.

You earn 3 Etihad Guest Miles per ₹100 on Etihad Airways spends and 1 Mile per ₹100 on all other spends.

Yes, it offers 8 complimentary domestic and 4 complimentary international airport lounge visits per year.

The card charges a low foreign currency markup fee of 1% on overseas transactions.

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