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Bank of Baroda (BOBCARD) · Visa · हिन्दी

BOBCARD Etihad Guest Premium Credit Card: full review

The BOBCARD Etihad Guest Premium is a strong niche card for travellers who fly Etihad regularly. Zero forex markup, 2 miles/₹100 on all spends, generous milestone bonuses and instant Etihad Gold status make it compelling at ₹2,999. The key caveat: miles are Etihad-only, and the exclusion list for earning is unusually long.

Apply now ↗Annual fee: ₹2,999 + taxes
Last updated: August 2026 · Current terms verified
BANK OF BARODA (
VISA
)))
BOBCARD ETIHAD
ASHOK KUMAR
12/28
₹2,999 + taxes (waived on ₹5L annual spend)Annual fee
6 Etihad Miles/₹100 on Etihad.com; 2 Miles/₹100 on all other domestic and international spends; 1 Etihad Mile ≈ ₹0.50+ in flight valueReward structure
12 domestic (3/quarter) + 8 international (2/quarter) lounge visits/yearLounge access
6 Etihad Miles per ₹100 on Etihad.com (3% value)2 Etihad Miles per ₹100 on all other spends (1% value)0% forex markup on all international transactionsEtihad Guest Silver tier on first card transactionEtihad Guest Gold tier on first Etihad.com purchaseWelcome: 10,000 miles on ₹25,000 spend in 60 days + fee paymentMonthly: 500 bonus miles on 4 txns totalling ₹50,000Quarterly: 4,000 bonus miles on ₹3L quarterly spendAnnual: 12,000 bonus miles on ₹7.5L annual spend12 domestic + 8 international lounge visits/yearAnnual fee waived on ₹5L spend
Apply now ↗ Min. income: ₹18L+ per year · Credit score: 750+
Pros and cons
Pros
✓ 0% forex + 2 miles/₹100 = strong international spend card
✓ Etihad Gold status on first Etihad.com purchase, valuable for upgrades and lounge in Abu Dhabi
✓ Generous milestone miles on top of base earn
✓ Good lounge access for the fee
Cons
✗ Miles redeemable only on Etihad platform, no flexibility
✗ Very long exclusion list (education, hospitals, telecom, supermarkets, fast food)
✗ ₹18L+ income requirement limits eligibility
✗ Etihad network smaller than Air India or global alliances
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 → ₹2,999 + taxes (waived on ₹5L annual spend)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹2,999
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 12 domestic (3/quarter) + 8 international (2/quarter) lounge visits/year
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 0%
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹18L+ per year
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 750+
SourceBank of Baroda (BOBCARD)'s published card terms and official card page · Last updated August 2026
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Frequently asked questions
The annual fee for BOBCARD Etihad Guest Premium Credit Card is ₹2,999 + taxes (waived on ₹5L annual spend). The joining fee is ₹2,999.
6 Etihad Miles/₹100 on Etihad.com; 2 Miles/₹100 on all other domestic and international spends; 1 Etihad Mile ≈ ₹0.50+ in flight value
BOBCARD Etihad Guest Premium Credit Card is best for Etihad frequent flyers wanting zero forex, milestone miles and Etihad Gold status. The BOBCARD Etihad Guest Premium is a strong niche card for travellers who fly Etihad regularly. Zero forex markup, 2 miles/₹100 on all spends, generous milestone bonuses and instant Etihad Gold status make it compelling at ₹2,999. The key caveat: miles are Etihad-only, and the exclusion list for earning is unusually long.
The minimum income requirement for BOBCARD Etihad Guest Premium Credit Card is ₹18L+ per year. A minimum credit score of 750+ is also recommended.
Yes, BOBCARD Etihad Guest Premium Credit Card offers 12 domestic (3/quarter) + 8 international (2/quarter) lounge visits/year.
BOBCARD Etihad Guest Premium Credit Card charges a 0% foreign currency markup on international transactions. This is one of the best forex rates in India.
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 →
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BOBCARD Etihad Guest Premium₹2,999 + taxes
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