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BOBCARD Etihad Guest Premium Credit Card

✍️ Fact-checked by Parash Editorial • 🔄 Updated April 2026
BOBCARD Visa Premium 🛡️ Metal Card

Join / Annual

₹0/₹5000

Base Rate

2.0%

Reward Type

Points

Overview

The BOBCARD Etihad Guest Premium Credit Card is a Premium credit card issued by BOBCARD on the Visa network. It offers a base reward rate of 2.0% on all spends, with rewards issued as Points(1 pt = ₹0.5).

Annual Fee: ₹5,000
Eligibility: Min. ₹18 LPA net income, Age 25-60.

Reward Rates & Cashback Rules

  • MERCHANT – Etihad Airways: 6.0% cashback
  • CATEGORY – Fuel: 0.0% cashback ⚠️ Fuel transactions are excluded from earning reward points but are eligible for a 1% surcharge waiver.
  • CATEGORY – Rent: 0.0% cashback
  • CATEGORY – Wallet Load: 0.0% cashback
  • CATEGORY – EMI: 0.0% cashback
  • CATEGORY – Education: 0.0% cashback
  • CATEGORY – Hospitals: 0.0% cashback
  • CATEGORY – Utilities: 0.0% cashback ⚠️ Includes telecom bills.
  • CATEGORY – Grocery: 0.0% cashback ⚠️ Includes supermarket purchases.
  • CATEGORY – Dining: 0.0% cashback ⚠️ Includes fast-food restaurants.

Key Features & Benefits

  • Etihad Guest Tier Status ⭐: Complimentary Silver Tier status on first transaction, and Gold Tier on first Etihad.com transaction within 6 months.
  • Domestic Lounge Access ✈️: 12 complimentary visits per year to domestic Visa lounges in India (3 per quarter).
  • International Lounge Access ✈️: 8 complimentary visits per year to international lounges (2 per quarter).
  • Zero Forex Markup 🌍: 0% foreign currency markup fee on all international transactions.
  • Fuel Surcharge Waiver ⛽: 1% waiver on fuel transactions between ₹500 and ₹4,000, capped at ₹250 per statement cycle.
  • Milestone Bonuses 🏆: Earn up to 15,000 welcome miles, plus monthly, quarterly, and annual bonus miles on meeting spending targets.

Eligibility Criteria

Min. ₹18 LPA net income, Age 25-60.

Features & Benefits

⭐

Etihad Guest Tier Status

Complimentary Silver Tier status on first transaction, and Gold Tier on first Etihad.com transaction within 6 months.

✈️

Domestic Lounge Access

12 complimentary visits per year to domestic Visa lounges in India (3 per quarter).

✈️

International Lounge Access

8 complimentary visits per year to international lounges (2 per quarter).

🌍

Zero Forex Markup

0% foreign currency markup fee on all international transactions.

⛽

Fuel Surcharge Waiver

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

🏆

Milestone Bonuses

Earn up to 15,000 welcome miles, plus monthly, quarterly, and annual bonus miles on meeting spending targets.

Cashback Engine Rules

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

Etihad Airways
Reward: 6.0%
6%
Fuel Exclusion
⚠️ Exceptions: Fuel transactions are excluded from earning reward points but are eligible for a 1% surcharge waiver.
Rent Exclusion
Wallet Load Exclusion
EMI Exclusion
Education Exclusion
Hospitals Exclusion
Utilities Exclusion
⚠️ Exceptions: Includes telecom bills.
Grocery Exclusion
⚠️ Exceptions: Includes supermarket purchases.
Dining Exclusion
⚠️ Exceptions: Includes fast-food restaurants.

Value Chart

Assuming basic spends for BOBCARD Etihad Guest Premium Credit Card

Category BOBCARD Etihad Guest Premium Credit Card Axis Bank Magnus Credit Card Axis Bank Select Credit Card Axis Bank Horizon Credit Card
₹
Joining Fee 		₹0 ₹0 ₹0 ₹0
₹
Annual Fee 		₹5000 ₹12500 ₹3000 ₹3000
🌍
Forex Markup 		3.5% 3.5% 3.5% 3.5%
%
Base Rate 		2.0% 6.0% 5.0% 2.0%
★
Known Rules 		10 rules 8 rules 11 rules 11 rules

Pros & Cons

✓

Pros

  • + Etihad Airways — 6.0% Points
  • + Etihad Guest Tier Status
  • + Domestic Lounge Access
  • + International Lounge Access
  • + Zero Forex Markup
✗

Cons

  • − No reward on Fuel — Fuel transactions are excluded from earning reward points bu
  • − No reward on Rent
  • − No reward on Wallet Load
  • − No reward on EMI
  • −Forex markup of 3.5% on international spends

Our Verdict

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

Est. Annual Rewards

₹6000

Annual Fee

₹5000

Net Value

+₹1000

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

👍 Best For

  • › High spenders who can offset the annual fee through rewards
  • › Frequent flyers who value unlimited airport lounge access
  • › Travellers who use hotel & lifestyle benefits regularly

👎 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 ₹5,000 + GST. It can be waived by spending ₹5,00,000 or more in the previous card anniversary year.

You earn 6 Etihad Guest Miles per ₹100 on Etihad Airways spends and 2 miles per ₹100 on all other eligible transactions. Categories like fuel, rent, and wallet loads do not earn miles.

Yes, it offers 12 complimentary domestic lounge visits per year (3 per quarter) and 8 complimentary international lounge visits per year (2 per quarter).

The card has a 0% foreign currency markup fee, making it ideal for international travel and purchases.

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