All cards / Bank of Baroda
Etihad Guest Premium BOBCARD Credit Card
Visa
Etihad Guest Premium BOBCARD Credit Card
The metal Premium version of BOBCARD's Etihad Guest card doubles down on lounge access and mile-earning for frequent international flyers, with the ₹5,000 annual fee waived entirely on ₹5 lakh of yearly spend — a realistic bar for the premium-card audience it targets.
Rates and fees last verified 15 July 2026 · No bank pays us to rank higher.
Annual fee
₹5,000
Joining fee
₹5,000
Reward type
miles
Base reward rate
1.5%
Card network
Visa
Card tier
Premium
Who this card fits
Best suited to applicants with a credit score of roughly 750+ whose spend is concentrated in travel. Its annual fee waives if you can comfortably clear the spend threshold.
Benefits by category
- ✈️ Travel
4% reward rate · Complimentary domestic and international lounge access
- 🌍 Forex / international spend
Lower forex markup than the base Etihad Guest variant
Eligibility
- Minimum credit score: 750
- Minimum monthly income: ₹60,000
- Employment: salaried, self-employed
- Age: 21–65
Benefits
- Complimentary domestic and international lounge access
- Lower forex markup than the base Etihad Guest variant
Pros
- + 4 Etihad Guest Miles per ₹100 on Etihad bookings
- + Annual fee fully waived on ₹5 lakh yearly spend
- + Metal card body with both domestic and international lounge access
Cons
- − High ₹5,000 fee if the spend waiver threshold isn't met
- − Niche value proposition tied to one airline alliance
- − Income eligibility bar is high relative to the perks on offer