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Bank of Baroda (BOBCARD) · Visa · हिन्दी

BOBCARD Etihad Guest Credit Card: full review

The BOBCARD Etihad Guest is the entry version of BOBCARD's Etihad card: half the Premium's fee, a 1% forex markup and lounge access in India and abroad, but half the miles on every spend. It suits someone who flies Etihad occasionally and spends under ₹5 lakh a year; heavier spenders who fly Etihad often get more from the Premium.

Apply now ↗Annual fee: ₹2,500 + GST
Last updated: October 2026 · Current terms verified
BOBCARD
VISA
)))
ETIHAD GUEST
ASHOK KUMAR
12/28
₹2,500 + GST joining and annual (annual fee reversed on ₹3 lakh spend in the anniversary year)Annual fee
3 Etihad Guest Miles per ₹100 on Etihad Airways; 1 Mile per ₹100 on all other domestic and cross-border spends; miles can be redeemed only on the Etihad Guest platformReward structure
8 domestic (2 per quarter) + 4 international (1 per quarter) lounge visits a yearLounge access
3 Etihad Guest Miles per ₹100 on Etihad Airways1 Etihad Guest Mile per ₹100 on all other domestic and cross-border spends7,500 welcome miles: 5,000 on ₹25,000 spend in the first 65 days plus payment of the joining fee, and 2,500 more on cumulative spends of ₹50,000Bonus miles: 250 a month, 2,000 a quarter and 12,000 a year on meeting spend milestones1% forex markup on international spends8 domestic and 4 international airport lounge visits a yearEtihad Guest Silver status after your first transaction on Etihad.com within 6 months of getting the card1% fuel surcharge waiver on transactions of ₹500 to ₹5,000, up to ₹250 per statement
Apply now ↗ Min. income: Not publicly specified · Credit score: Not publicly specified
Pros and cons
Pros
✓ Half the fee of the Premium card, and the fee is reversed on ₹3 lakh a year
✓ 1% forex markup, well below the usual 3.5%
✓ Lounge access in India and abroad
✓ Welcome and milestone bonus miles add up for steady spenders
Cons
✗ Miles can only be redeemed with Etihad Guest, with no cash or voucher option
✗ Base earn of 1 mile per ₹100 is modest outside Etihad bookings
✗ No miles on rent, wallet loads, insurance, telecom, education, government, hospital, charity, transport and some personal-service spends
✗ No joining fee reversal
Quick facts
Issuer Bank of Baroda (BOBCARD)
Network Visa
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹2,500 + GST joining and annual (annual fee reversed on ₹3 lakh spend in the anniversary year)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹2,500
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 8 domestic (2 per quarter) + 4 international (1 per quarter) lounge visits a year
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 1%
Interest rate 3.75% per month (45% a year)
Fee waiver Annual fee reversed on ₹3 lakh spend in the card anniversary year; no joining fee reversal
Add-on cards Add-on cards carry no joining or annual fee
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → Not publicly specified
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → Not publicly specified
SourceBOBCARD's Etihad Guest Most Important Terms and Conditions and Key Fact Statement (version 2.0, April 2026) and its card pages · Last checked October 2026
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Frequently asked questions
The annual fee for BOBCARD Etihad Guest Credit Card is ₹2,500 + GST joining and annual (annual fee reversed on ₹3 lakh spend in the anniversary year). The joining fee is ₹2,500.
3 Etihad Guest Miles per ₹100 on Etihad Airways; 1 Mile per ₹100 on all other domestic and cross-border spends; miles can be redeemed only on the Etihad Guest platform
BOBCARD Etihad Guest Credit Card is best for Occasional Etihad flyers who want a lower-fee way into Etihad Guest miles, a 1% forex markup and some lounge access. The BOBCARD Etihad Guest is the entry version of BOBCARD's Etihad card: half the Premium's fee, a 1% forex markup and lounge access in India and abroad, but half the miles on every spend. It suits someone who flies Etihad occasionally and spends under ₹5 lakh a year; heavier spenders who fly Etihad often get more from the Premium.
The minimum income requirement for BOBCARD Etihad Guest Credit Card is Not publicly specified. A minimum credit score of Not publicly specified is also recommended.
Yes, BOBCARD Etihad Guest Credit Card offers 8 domestic (2 per quarter) + 4 international (1 per quarter) lounge visits a year.
BOBCARD Etihad Guest Credit Card charges a 1% foreign currency markup on international transactions. This is lower than the standard 3.5% charged by most Indian credit cards.
Related guides
Best Travel Credit Cards →Best Premium Credit Cards →Best Super Premium Credit Cards →Best Credit Cards for International Travel →Best Airline Credit Cards →
Card reviews
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BOBCARD Etihad Guest₹2,500 + GST
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