Bank of Baroda
BOBCARD Etihad Guest Credit Card
Data last verified: 11 October 2026
- Joining fee₹2,500 + GST
- Annual fee₹2,500 + GST
- Reward rate0.5% on most spends; 1.5% only at partner merchants
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹2,500 + GST
- Annual fee₹2,500 + GST
- Fee waiverOn ₹3 lakh spend a year
- Forex markup1%
- Interest (APR)3.75% a month, 45% a year
This card earns Etihad Guest Miles. You get 3 miles per Rs 100 on Etihad Airways and 1 mile per Rs 100 on other domestic and foreign spends. New cardholders get 5,000 welcome miles, and spending Rs 5 lakh in a year adds 5,000 bonus miles. You also get 8 domestic and 4 international lounge visits a year, and the forex fee is just 1%.
It costs ₹2,500 a year plus GST, waived when you spend ₹3 lakh in the year. The welcome miles and lounge visits go a long way towards the fee in year one.
It suits people who fly Etihad or travel to the Gulf and beyond. The catch: at about 50 paisa a mile, everyday spends return only about 0.5%, so this is a poor card if you do not use Etihad miles.
Best for: Etihad flyers, Frequent international travellers, People who spend abroad.
01BOBCARD Etihad Guest Credit Card Rewards and Benefits
02BOBCARD Etihad Guest Credit Card Annual Fee and Charges
- Joining fee
- ₹2,500 + GST
- Annual fee
- ₹2,500 + GST
- Spend-based waiver
- Annual fee waived on ₹3 lakh spend in a year (rent and wallet loads not counted)
- Rewards redemption fee
- Nil
- Forex markup
- 1%
- Interest rate
- 3.75% a month (45% a year)
- Fuel surcharge waiver
- Yes
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹20,000 on everything else, earning 0.5%₹100
- Back each month, ₹1,200 a year₹100
- Annual fee with 18% GST−₹2,950
- It costs you each year₹1,750
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Travel only at Etihad Airways: 1.5% back
- Spending ₹25,000 or more a month: the ₹2,950 fee is waived
- Flyers: 12 airport lounge visits a year
- Spending abroad: 1% markup, most cards add 3.5%
Skip it if…
- you spend less than ₹25,000 a month (₹3,00,000 a year, rent and wallet loads not counted): the ₹2,950 fee is then charged
- most of your spending is fuel, utility bills, rent or insurance: those earn nothing on this card
- you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- you rarely spend on Etihad Airways: the 1.5% rate applies only there, everything else earns 0.5%
- you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
04Product Details
- 3 Etihad Guest Miles per ₹100 on Etihad Airways
- 1 mile per ₹100 on other spends
- 5,000 welcome miles
- 5,000 bonus miles at ₹5 lakh yearly spend
- 8 domestic and 4 international lounge visits a year
- 1% forex fee, ₹2,500 fee waived at ₹3 lakh
05Pros and Cons
Pros
- Very low 1% forex fee
- International lounge access included
- Welcome and milestone miles add up
Cons
- Everyday return is only about 0.5%
- Miles are useful mainly with Etihad
- Fee waiver needs ₹3 lakh a year
06How BOBCARD Etihad Guest Credit Card earns Rewards
0.5% on most spends; 1.5% only at partner merchants.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | Earns nothing | - | a Visa or Mastercard card cannot pay by UPI |
| Online shopping | 0.5% | No cap | The card's normal rate |
| Dining and food delivery | 0.5% | No cap | The card's normal rate |
| Groceries | 0.5% | No cap | The card's normal rate |
| Travel: flights, hotels, trains | 0.5% | No cap | Anywhere else in the category |
| Travel: flights, hotels, trains, only at listed merchants | 1.5% | No cap | Only at: Etihad Airways (etihad.com)Terms: 3 Etihad Guest Miles per ₹100 (~1.5%) on Etihad Airways bookings only, other airlines, hotels and travel portals earn the 1 Mile base rate |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | Earns nothing | - | earns nothing on this card (base rate terms) |
| Rent | Earns nothing | - | earns nothing on this card |
| Insurance premiums | Earns nothing | - | earns nothing on this card |
| School and college fees | Earns nothing | - | earns nothing on this card |
| Wallet top-ups | Earns nothing | - | earns nothing on this card |
| Taxes and government payments | Earns nothing | - | earns nothing on this card |
| Spend abroad or in a foreign currency | 0.5% | No cap | The card's normal rate |
| Everything else | 0.5% | No cap | The card's normal rate |
Terms on the base rate. 1 Etihad Guest Mile per ₹100 (~0.5%) on other domestic and cross-border spends; rent, insurance, telecom, education, government, wallet loads and waiver-eligible fuel earn nothing
Point value. 1 point is worth about ₹0.5 at the bank's stated value.
07BOBCARD Etihad Guest Credit Card Lounge Access and Travel
Domestic lounge access is 8 visits a year, international is 4 visits a year, through DreamFolks. 8 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 access. Spending abroad carries a 1% forex markup; rewards on it: 0.5% back (the normal rate). See what it costs on your trip
Also on the card. fuel surcharge waiver, hotel membership, airport lounge access, milestone bonuses.
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹500 and ₹5,000, capped at ₹250 per statement. Note that fuel transactions eligible for the waiver do not earn any Miles.
- Hotel membership: Complimentary Etihad Guest Silver tier, but only after you complete a transaction on Etihad.com within 6 months of card issuance. It is not granted automatically on card spend.
- Milestone bonuses: 12,000 bonus Miles on ₹7.5 lakh of annual spend. A smaller ladder sits below it: 250 Miles a month on any 4 transactions totalling ₹25,000, 2,000 Miles a quarter on ₹2 lakh, and 500 Miles for flying Etihad twice in a year.
08BOBCARD Etihad Guest Credit Card Eligibility and Documents
- Age
- 21 to 60 years
- Employment
- Salaried or self-employed
Documents. PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph
09Recent Changes
What Bank of Baroda changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| Jan 2026 | Changed: BOBCARD × Etihad Guest co-brand launched | - | - |
See this card's change history → · All card changes in January 2026 →
10Cards Similar to BOBCARD Etihad Guest Credit Card
BOBCARD Etihad Guest Credit Card is a travel card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | BOBCARD Etihad Guest Credit Card |  Federal Scapia Credit card |  IDFC FIRST Millennia Credit Card |
|---|---|---|---|
| Joining fee | ₹2,500 + GST | Lifetime free | Lifetime free |
| Annual fee | ₹2,500 + GST | Lifetime free | Lifetime free |
| Rewards | 0.5% on most spends; 1.5% only at partner merchants | 2% on most spends; 4% only at partner merchants | 0.38% base, up to 1.25% on dining |
| Domestic lounge | 8 visits a year | Unlimited | Not included |
| Forex markup | 1% | 0% | 0% |
| Type | Travel | Travel | Dining |
11Explore More
Card facts last verified 11 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Never Miss Your BOBCARD Etihad Guest Credit Card Bill
The SkyloFin app reads your bank's bill SMS, reminds you before the due date and marks the bill paid when you pay. Free on Android, and your data stays on your phone.
Common Questions
How many miles do I earn?
3 miles per ₹100 on Etihad Airways and 1 mile per ₹100 on other spends.
Is the fee waived?
Yes, once you spend ₹3 lakh in the year.
How many lounge visits do I get?
8 domestic and 4 international visits a year.
What is the joining fee for the BOBCARD Etihad Guest Credit Card?
The joining fee is ₹2,500 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the BOBCARD Etihad Guest Credit Card?
The annual fee is ₹2,500 + GST.
Does the BOBCARD Etihad Guest Credit Card give airport lounge access?
Yes. Domestic lounge access is 8 visits a year, international is 4 visits a year, through DreamFolks. Check the bank's page for the current rules, because lounge programmes change.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with Bank of Baroda. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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