All cards / Bank of Baroda
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.
Annual fee
₹5,000
Joining fee
₹5,000
Reward type
miles
Base reward rate
2%
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.
Rewards & benefits
- Rewards rate: 2% base rate
- Domestic lounge access: 12 complimentary domestic lounge visits per year (3 per quarter)
- International lounge access: 8 complimentary international lounge visits per year (2 per quarter)
Benefits by category
- ✈️ Travel
6% reward rate · 12 domestic (3 per quarter) and 8 international (2 per quarter) complimentary lounge visits per year
- 🌍 Forex / international spend
0% forex markup on international spends · 0% forex markup on international transactions
Eligibility
- Minimum credit score: 750
- Minimum monthly income: ₹60,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹5,00,000
- Foreign currency markup: 0%
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹500 and ₹5,000, capped at ₹250 per statement cycle
- Cash advance charges: 2.5% of the amount withdrawn, or ₹500, whichever is higher
Benefits
- 12 domestic (3 per quarter) and 8 international (2 per quarter) complimentary lounge visits per year
- 0% forex markup on international spends
- 15,000 Etihad Guest bonus miles: 10,000 on ₹50,000 spend within 65 days of issuance plus 5,000 on ₹1,00,000 cumulative spend
Pros
- + 6 Etihad Guest Miles per ₹100 on Etihad Airways spends and 2 miles per ₹100 on everything else
- + 0% forex markup
- + Annual fee waived on ₹5 lakh yearly spend
- + Metal card with 12 domestic and 8 international lounge visits a year
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