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Comparison · हिन्दी

BOBCARD Etihad Guest vs Etihad Guest Premium

Both cards compared on real rupee returns for BOBCARD Etihad Guest vs Etihad Guest Premium is the premium card worth the extra fee. We ran the numbers so you can make the right call.

Last updated: October 2026 · Based on current card terms
BOBCARD
ETIHAD GUEST
ASHOK KUMAR
VS
BOBCARD
ETIHAD PREMIUM
ASHOK KUMAR
Our verdict
BOBCARD Etihad Guest Premium Credit Card wins for most people
Card B wins with ₹2,800 annual benefit versus Card A's ₹1,400, despite higher fees. For this ₹37,000/month spend profile, Card B's superior mile earning rate delivers double the value.
Side-by-side comparison
BOBCARD Etihad Guest Credit Card BOBCARD Etihad Guest Premium Credit Card ✓
Annual benefit ₹1,400 ₹2,800
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) ₹5,000 + GST joining and annual (annual fee reversed on ₹5 lakh spend in the anniversary year)
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 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 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
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 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 → 1% 0%
Best for Occasional Etihad flyers who want a lower-fee way into Etihad Guest miles, a 1% forex markup and some lounge access Etihad frequent flyers wanting zero forex, milestone miles and Etihad Guest status
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → Not publicly specified ₹18L+ per year
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → Not publicly specified 750+
Apply now ↗ Full review →
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When each card wins
BOBCARD Etihad Guest Credit Card
Choose Card A if you fly Etihad occasionally and want minimal commitment. The lower ₹2,500 annual fee works if you can't consistently spend ₹5 lakh yearly to waive Card B's fee.
BOBCARD Etihad Guest Premium Credit Card
Choose Card B if you're a regular Etihad traveler or value premium perks. The fee waiver kicks in at ₹5 lakh annual spend, making it cost-effective for frequent flyers with higher spending.
Who should get which card
Get BOBCARD Etihad Guest if you…
· Lower annual fee (₹2,500) with easier fee waiver at ₹3 lakh spend
· Suitable for occasional Etihad flyers avoiding premium card costs
· Simple mile earning structure for casual travelers
Get BOBCARD Etihad Guest Premium if you…
· Nearly double the annual benefit (₹2,800) for this spend profile
· Higher mile earning: 6x on Etihad.com, 2x on all other spends
· Premium perks and Etihad status benefits justify the higher fee for frequent travelers
Partner offer
IDFC FIRST Ashva Credit Card
Frequent travellers who book hotels and flights through the IDFC FIRST Bank app specifically, where the real redemption value is highest; weak for everyday spending outside the app
Apply now →
IDFC
ASHOK KUMAR

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Related guides
BOBCARD Etihad Guest Premium vs BOBCARD Premier →Best Travel Credit Cards →Best Premium Credit Cards →Best Super Premium Credit Cards →
Frequently asked questions
Based on our analysis, BOBCARD Etihad Guest Premium Credit Card offers better annual returns for most spend profiles.
BOBCARD Etihad Guest Credit Card has an annual fee of ₹2,500 + GST joining and annual (annual fee reversed on ₹3 lakh spend in the anniversary year). BOBCARD Etihad Guest Premium Credit Card has an annual fee of ₹5,000 + GST joining and annual (annual fee reversed on ₹5 lakh spend in the anniversary year).
BOBCARD Etihad Guest Credit Card offers 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 Premium Credit Card offers 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 Credit Card lounge access: 8 domestic (2 per quarter) + 4 international (1 per quarter) lounge visits a year. BOBCARD Etihad Guest Premium Credit Card lounge access: 12 domestic (3/quarter) + 8 international (2/quarter) lounge visits/year.
BOBCARD Etihad Guest Credit Card charges 1% forex markup. BOBCARD Etihad Guest Premium Credit Card charges 0% forex markup.