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faayda.com › compare › BOBCARD Etihad Guest Premium vs BOBCARD Premier
Comparison · हिन्दी

BOBCARD Etihad Guest Premium vs BOBCARD Premier

Both cards compared on real rupee returns for best Bank of Baroda travel credit card frequent flyer vs budget. We ran the numbers so you can make the right call.

Last updated: · Based on current card terms
BOBCARD
ETIHAD PREMIUM
ASHOK KUMAR
VS
BOBCARD
BOBCARD PREMIE
ASHOK KUMAR
Our verdict
BOBCARD Premier Credit Card wins for most people
BOBCARD Premier wins with ₹2,300 annual benefit versus BOBCARD Etihad Guest Premium's -₹3,680 loss. For your ₹11k/month travel and dining focused spend, Premier's higher rewards and waivable fee dramatically outperform Etihad's miles structure.
Side-by-side comparison
BOBCARD Etihad Guest Premium Credit Card BOBCARD Premier Credit Card ✓
Annual benefit -₹3,680 ₹2,300
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹5,000 + GST joining and annual (annual fee reversed on ₹5 lakh spend in the anniversary year) ₹0 joining (from 1 September 2026); ₹1,000 + taxes annual from year 2 (waived on ₹1,20,000/year spend)
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 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 10 reward points per ₹100 on travel, dining and international spends (2.5%); 2 RP on others (0.5%)
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 1 domestic visit/quarter (spend-based from Jan 2025)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 0% 3.5%
Best for Etihad frequent flyers wanting zero forex, milestone miles and Etihad Guest status Entry-level travel and dining card with lounge access at minimal annual fee
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹18L+ per year ₹25,000/month (salaried)
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 750+ 700+
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When each card wins
BOBCARD Etihad Guest Premium Credit Card
BOBCARD Etihad Guest Premium makes sense only if you're a frequent Etihad flyer who can maximize 6 Miles/₹100 on Etihad.com bookings and value airline status enough to justify the ₹5,000 annual fee hitting your wallet.
BOBCARD Premier Credit Card
BOBCARD Premier is ideal for your profile: ₹8k monthly travel and ₹3k dining spend earn 2.5% rewards, the ₹1,000 fee waives easily on ₹120k annual spend, and you get travel benefits at minimal cost.
Who should get which card
Get BOBCARD Etihad Guest Premium if you…
· Exclusive Etihad frequent flyer with high booking volume on Etihad.com
· Seeking Etihad Guest tier status and miles accumulation
· Can exceed ₹5 lakh annual spend to reverse fee
Get BOBCARD Premier if you…
· Travel and dining focused spender (your exact profile)
· Want maximum rewards at minimal annual cost
· Prefer flexible reward points over airline-specific miles
· Can easily meet ₹120k annual spend for fee waiver
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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Frequently asked questions
Based on our analysis, BOBCARD Premier Credit Card offers better annual returns for most spend profiles.
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 Premier Credit Card has an annual fee of ₹0 joining (from 1 September 2026); ₹1,000 + taxes annual from year 2 (waived on ₹1,20,000/year spend).
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 Premier Credit Card offers 10 reward points per ₹100 on travel, dining and international spends (2.5%); 2 RP on others (0.5%).
BOBCARD Etihad Guest Premium Credit Card lounge access: 12 domestic (3/quarter) + 8 international (2/quarter) lounge visits/year. BOBCARD Premier Credit Card lounge access: 1 domestic visit/quarter (spend-based from Jan 2025).
BOBCARD Etihad Guest Premium Credit Card charges 0% forex markup. BOBCARD Premier Credit Card charges 3.5% forex markup.