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BOBCARD Etihad Guest Credit Card vs SBI Card MILES PRIME Compared

Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 11 October 2026.

BOBCARD Etihad Guest Credit Card versus SBI Card MILES PRIME compared
FeatureBOBCARD Etihad Guest Credit CardBOBCARD Etihad Guest Credit CardBank of Baroda1 recent change →
SBI Card MILES PRIMESBI Card MILES PRIMEState Bank of India4 recent changes →
Rewards by spend
Rewards0.5% on most spends; 1.5% only at partner merchants0.5% base, up to 1% on travel
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shoppingsame0.5%0.5%
Dining and food deliverysame0.5%0.5%
Groceriessame0.5%0.5%
Travel: flights, hotels, trains0.5%; 1.5% only at Etihad Airways1%
FuelsameEarns nothingEarns nothing
Bills and rechargessameEarns nothingEarns nothing
RentsameEarns nothingEarns nothing
Insurance premiumssameEarns nothingEarns nothing
School and college feessameEarns nothingEarns nothing
Wallet top-upssameEarns nothingEarns nothing
Taxes and government paymentsEarns nothingNot stated
Spend abroad or in a foreign currencysame0.5%0.5%
Everything elsesame0.5%0.5%
Card identity
Card typesameTravelTravel
NetworkVisaMastercard
Card tiersamePremiumPremium
Fees
Joining fee₹2,500 + GST₹2,999 + GST
Annual fee₹2,500 + GST₹2,999 + GST
Fee waived at₹3,00,000₹10,00,000
Eligibility
Min agesame21 years21 years
Max age60 years70 years
Employment typesameBOTHBOTH
Rewards
Reward typesameAir milesAir miles
Point valuesame₹1₹1
Fuel surcharge
Fuel surcharge waiversameYesYes
Fuel waiver cap-₹250
Lounge access
Domestic lounge visitssame88
International lounge visitssame44
Lounge programmeDREAMFOLKSPRIORITY_PASS
Priority PassNoYes
Lounge condition8 domestic (2 per quarter) and 4 international (1 per quarter) lounge visits a year. International visits use a curated 52-lounge global list booked via the DreamFolks web portal, with a ₹2 non-refundable card-authentication charge per access8 domestic airport lounge visits/year (max 2/quarter) plus Priority Pass with 4 international visits/year. 1 extra domestic visit per ₹1 lakh spend, capped at 12/year. Priority Pass free for first 2 years
Forex and international
Forex markup1%2.5%
Interest and charges
Interest rate (monthly)same3.75%3.75%
Interest rate (annual)same45%45%
Page content
Documents neededPAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photographPAN card Aadhaar / address proof Income proof (salary slips or ITR) Recent passport-size photograph
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Worth in Rupees at ₹20,000 a Month

BOBCARD Etihad Guest Credit Card
Rewards a year
₹1,200
Fee a year
- ₹2,950
You keep
- ₹1,750
SBI Card MILES PRIME
Rewards a year
₹1,500
Fee a year
- ₹3,539
You keep
- ₹2,039

At this spend, BOBCARD Etihad Guest Credit Card comes out ₹289 a year ahead of SBI Card MILES PRIME. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.

Best For

BOBCARD Etihad Guest Credit Card
  • Etihad flyers
  • Frequent international travellers
  • People who spend abroad
SBI Card MILES PRIME
  • Frequent flyers
  • People who spend heavily on travel
  • Travellers who want Priority Pass access

Watch-Outs

BOBCARD Etihad Guest Credit Card
  • Everyday return is only about 0.5%
  • Miles are useful mainly with Etihad
  • Fee waiver needs Rs 3 lakh a year
SBI Card MILES PRIME
  • Fee waiver needs Rs 10 lakh a year, which most people will not reach
  • Base return of about 0.5% is low
  • Credits are worth the most only when redeemed for travel

Card data sourced via CardAdvisor.in (BOBCARD Etihad Guest Credit Card, SBI Card MILES PRIME), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Questions People Ask

Which has the lower annual fee, BOBCARD Etihad Guest Credit Card or SBI Card MILES PRIME?

BOBCARD Etihad Guest Credit Card. BOBCARD Etihad Guest Credit Card: ₹2,500; SBI Card MILES PRIME: ₹2,999. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

BOBCARD Etihad Guest Credit Card has the lowest forex markup. BOBCARD Etihad Guest Credit Card: 1%; SBI Card MILES PRIME: 2.5%. The markup is charged on every foreign-currency transaction, before GST.

Which earns more on everyday spending?

On spends outside any bonus category: BOBCARD Etihad Guest Credit Card 0.5%, SBI Card MILES PRIME 0.5%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.

Which gives airport lounge access?

BOBCARD Etihad Guest Credit Card: 8 domestic lounge visits a year; SBI Card MILES PRIME: 8 domestic lounge visits a year. Some cards need a minimum spend in the quarter before a visit counts, so check the lounge terms.

Can I hold more than one of these cards?

Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.

Work Out the Numbers

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