All cards / Bank of Baroda
Etihad Guest BOBCARD Credit Card
BOBCARD's Etihad Guest card is a straightforward miles-earning card for flyers loyal to Etihad Airways, earning 3 Etihad Guest Miles per ₹100 on Etihad flight bookings and 1 mile per ₹100 elsewhere, with lounge access and reasonable forex costs rounding out the package at a fixed ₹2,500 fee.
Annual fee
₹2,500
Joining fee
₹2,500
Reward type
miles
Base reward rate
1%
Card network
Visa
Card tier
Mid
Who this card fits
Best suited to applicants with a credit score of roughly 730+ whose spend is concentrated in travel. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 1% base rate
- Domestic lounge access: 8 complimentary domestic lounge visits per year (2 per quarter)
- International lounge access: 4 complimentary international lounge visits per year (1 per quarter)
Benefits by category
- ✈️ Travel
3% reward rate · Complimentary domestic airport lounge access on qualifying spend
- 🌍 Forex / international spend
Lower-than-typical forex markup for a mid-tier card · 1% forex markup on international transactions
Eligibility
- Minimum credit score: 730
- Minimum monthly income: ₹30,000
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹3,00,000
- Foreign currency markup: 1%
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹250 per statement cycle
- Cash advance charges: 2.5% of the amount withdrawn, or ₹500, whichever is higher
Benefits
- Complimentary domestic airport lounge access on qualifying spend
- Lower-than-typical forex markup for a mid-tier card
Pros
- + 3 Etihad Guest Miles per ₹100 on Etihad flight purchases
- + 1 mile per ₹100 on all other spend, so nothing earns zero
- + Lower forex markup than most mid-tier Indian cards
Cons
- − No spend-based annual fee waiver on this base variant
- − Miles are only useful to people who actually fly Etihad
- − Lounge access and milestone benefits are more limited than the Premium variant