BOBCARD Etihad Guest Credit Card
The BOBCARD Etihad Guest is the junior of BOBCARD's two Etihad co-brands, and it is built for one airline rather than for everyday earning. It pays 3 Etihad Guest Miles per ₹100 on Etihad Airways and 1 Mile per ₹100 on every other domestic and cross-border spend. At a realistic ~50 paise a mile that base rate is roughly 0.5% — genuinely thin for a ₹2,500 card, and the number to weigh before anything else. The miles are not a flexible currency: they sweep automatically into your Etihad Guest account within 3 days of each statement and can only be redeemed through Etihad Guest, so there is no statement credit, no voucher catalogue and no transfer out. A bonus ladder sits on top — 250 Miles a month on four transactions totalling ₹25,000, 2,000 Miles a quarter on ₹2 lakh, 12,000 Miles a year on ₹7.5 lakh, and 500 Miles for flying Etihad twice in a year. Etihad Guest Silver tier is available but is not automatic: it needs a transaction on Etihad.com within six months of card issuance. Lounge access runs to 8 domestic (2 per quarter) and 4 international (1 per quarter) visits a year. The ₹2,500 fee waives at ₹3 lakh of annual spend, forex is 1%, and the finance charge is 3.75%/month.
Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹3,750 in vouchers, points or cashback on card activation
️ 1.5% on Travel
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
️ 0.5% on Other
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
️ Airport Lounge Access
2 complimentary visits per quarter at domestic and international airport lounges
Annual Fee Waiver
Fee of ₹2,500 + 18% GST (₹2,950 all-in)/yr fully waived when you spend ₹3,00,000/year
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 Bonus
~₹6,000 in bonus rewards on hitting annual spend milestones
Full reward structure
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Travel | airline miles | 1.5% | — |
| Other | airline miles | 0.5% | — |
Fees & charges
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹2,950 |
| Joining fee (incl. 18% GST) | ₹2,950 |
| Finance charge (APR) | 3.75% p.m. |
| Forex markup | 1% |
Perks & benefits
Estimated annual value beyond rewards — ~₹24,000/yr in total.
️ lounge access ~ ₹12,000 /yr
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.
milestone bonus ~ ₹6,000 /yr
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.
hotel membership ~ ₹3,000 /yr
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.
fuel waiver ~ ₹3,000 /yr
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.
Should you get it?
Best for: Regular Etihad flyer out of India, Wants miles in the airline programme without transfer admin, Abu Dhabi / Gulf / Europe routes on Etihad metal, Moderate cross-border spender wanting a sub-2% forex markup
Premium tier — a solid all-rounder for steady monthly spend.
Strongest value if you spend heavily on Travel ( 1.5% back).
Frequent travellers benefit from the included airport lounge access.
✓ Pros
- 3 Miles per ₹100 on Etihad Airways, credited straight into your Etihad Guest account with no transfer admin
- 1% forex markup — low for a ₹2,500 card, useful on cross-border spend
- 7,500 welcome Miles (~₹3,750) broadly cover the first-year fee
- 8 domestic and 4 international lounge visits a year
- A monthly, quarterly and annual bonus ladder rewards steady spenders, topping out at 12,000 Miles on ₹7.5 lakh
✕ Cons
- 1 Mile per ₹100 (~0.5%) on everyday spend is thin for a ₹2,500 card — this only works if you fly Etihad
- Miles are locked to Etihad Guest — no statement credit, no vouchers, no transfer out, and they expire on Etihad's tier-based schedule
- Etihad Guest Silver tier is not automatic — it requires a transaction on Etihad.com within 6 months
- A long exclusion list — rent, insurance, telecom, education, government, wallet loads and waiver-eligible fuel earn nothing at all
- The ₹5,000 Etihad Guest Premium doubles every earn rate and drops forex to 0% for ₹2,500 more
Eligibility & documents
Age
21 –60 years
Min. income
₹50,000 /mo
Employment
Salaried · Self-employed
Documents required
- PAN card
- Aadhaar / valid address proof
- Latest 3 months bank statement
- Income proof — salary slips (salaried) or ITR (self-employed)
- Recent passport-size photograph
How to redeem rewards
Ways to convert what you earn into real value.
🎁 Etihad Guest — flight bookings: Redeem Miles for Etihad flights via Pay with Miles on Etihad.com. Dynamic pricing applies. (~₹0.50/Mile)
🎁 Etihad Guest — cabin upgrades: Use Miles to upgrade an existing Etihad booking, usually the strongest value per Mile. (Variable)
🎁 Etihad Guest — extra baggage and partner services: Redeem against baggage allowance and Etihad partner travel services. (Variable)
What your BOB Reward Points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Statement credit BEST Standard redemption
Gift voucher catalogue BEST Brand & e-gift vouchers
The concern The miles are locked to Etihad Guest — swept out automatically each statement, redeemable only through Etihad, and subject to Etihad's tier-based expiry — so if your travel plans change, the balance is stranded with no cash or voucher fallback.
The bottom line
Think of this as a loyalty product rather than a rewards card, and it makes far more sense. At roughly 0.5%, the 1-Mile-per-₹100 base rate falls short of what a ₹2,500 card would typically return, which makes routine, non-Etihad spend a weak use of the card. What justifies the fee is direct access to Etihad Guest along with the 1% forex markup — and that trade-off only works out if Etihad is actually the airline you fly. The welcome bonus roughly covers year one; every year after depends on how much Etihad flying you actually do.
Sources & verification
Fees, reward rates, and benefits for the BOBCARD Etihad Guest Credit Card are taken from BOBCARD 's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page . Last verified 7 Aug 2026 . Reviewed by Devchandra Sah . Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for BOBCARD . All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2026 · 1 changes · last change Jan 2026
▲ Revaluation ▼ Devaluation ◆ Neutral / reversed
2026 1 change — 1 neutral
◆ Launch Effective Jan 2026
BOBCARD × Etihad Guest co-brand launched
BOBCARD Ltd and Etihad Guest launched two co-branded cards in India in January 2026 — unveiled at a Mumbai event around 30 January — with BOBCARD becoming the sole issuer of Etihad Guest co-brand cards in India after the previous SBI Card partnership wound down (SBI Etihad benefits ceased in late 2025 and those cards closed on 31 March 2026). The junior card carries a ₹2,500 + GST fee, earns 3 Etihad Guest Miles per ₹100 on Etihad Airways and 1 Mile per ₹100 on all other spends, a 1% forex markup, 8 domestic and 4 international lounge visits a year, and complimentary Etihad Guest Silver tier (conditional on an Etihad.com transaction within 6 months of issuance). Launch promotion doubled the welcome miles for members who joined before 28 February 2026.
Verification: CardAdvisor Research · Confidence: Reconstructed
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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Quick summary
Type Premium credit card
Reward rate 0.5%–1.5%
Best for Regular Etihad flyer out of India
Joining fee ₹2,500
Annual fee ₹2,500
Reviewed by
Devchandra Sah · Cards tested, miles earned, trips booked — for over a decade
Last verified 7 Aug 2026
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