BOBCARD Etihad Guest Premium Credit Card
The BOBCARD Etihad Guest Premium doubles every earn rate of its junior sibling and, far more interestingly, charges 0% forex markup. It pays 6 Etihad Guest Miles per ₹100 on Etihad Airways and 2 Miles per ₹100 on all other domestic and cross-border spend — roughly 3% and 1% at a realistic ~50 paise a mile. Miles are not a flexible currency: they sweep automatically into your Etihad Guest account within 3 days of each statement and redeem only through Etihad Guest, so there is no statement credit or voucher route. The status story is the best part of the proposition — complimentary Etihad Guest Silver on your first card transaction, upgrading to Gold once you make a transaction on Etihad.com within six months of issuance. A bonus ladder adds 500 Miles a month on four transactions totalling ₹50,000, 4,000 Miles a quarter on ₹3 lakh, 24,000 Miles a year on ₹12 lakh, and 1,000 Miles for flying Etihad twice in a year. Lounge access is 12 domestic (3 per quarter) and 8 international (2 per quarter) visits. The ₹5,000 fee waives at ₹5 lakh of annual spend and the finance charge is 3.75%/month.
Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹7,500 in vouchers, points or cashback on card activation
️ 3% on Travel
6 Etihad Guest Miles per ₹100 (~3%) on Etihad Airways bookings only — other airlines, hotels and travel portals earn the 2 Mile base rate
️ 1% on Other
2 Etihad Guest Miles per ₹100 (~1%) on other domestic and cross-border spends, with no forex markup; rent, insurance, telecom, education, government, wallet loads and waiver-eligible fuel earn nothing
️ Airport Lounge Access
3 complimentary visits per quarter at domestic and international airport lounges
Zero Forex Markup
Use abroad without extra charge — swipe internationally like you do domestically.
Annual Fee Waiver
Fee of ₹5,000 + 18% GST (₹5,900 all-in)/yr fully waived when you spend ₹5,00,000/year
Hotel Membership
Complimentary Etihad Guest Silver tier on your first card transaction, upgrading to Gold tier once you complete a transaction on Etihad.com within 6 months of card issuance — bonus miles, priority check-in and extra baggage on Etihad.
Milestone Bonus
~₹12,000 in bonus rewards on hitting annual spend milestones
Full reward structure
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Travel | airline miles | 3% | — |
| Other | airline miles | 1% | — |
Fees & charges
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹5,900 |
| Joining fee (incl. 18% GST) | ₹5,900 |
| Finance charge (APR) | 3.75% p.m. |
| Forex markup | 0% |
Perks & benefits
Estimated annual value beyond rewards — ~₹43,000/yr in total.
️ lounge access ~ ₹20,000 /yr
12 domestic (3 per quarter) and 8 international (2 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 ~ ₹12,000 /yr
24,000 bonus Miles on ₹12 lakh of annual spend. A smaller ladder sits below it: 500 Miles a month on any 4 transactions totalling ₹50,000, 4,000 Miles a quarter on ₹3 lakh, and 1,000 Miles for flying Etihad twice in a year.
hotel membership ~ ₹8,000 /yr
Complimentary Etihad Guest Silver tier on your first card transaction, upgrading to Gold tier once you complete a transaction on Etihad.com within 6 months of card issuance — bonus miles, priority check-in and extra baggage on Etihad.
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: Frequent international traveller wanting zero forex markup, Regular Etihad flyer chasing Etihad Guest Gold status, Abu Dhabi / Gulf / Europe routes on Etihad metal, High spender who can clear the ₹5 lakh fee waiver
Super Premium tier — built for high spenders who want top-end perks.
Strongest value if you spend heavily on Travel ( 3% back).
Frequent travellers benefit from the included airport lounge access.
✓ Pros
- 0% forex markup — rare at a ₹5,000 fee and the single strongest reason to hold this card
- Etihad Guest Silver on your first transaction, with a clear route to Gold via one Etihad.com booking
- 6 Miles per ₹100 on Etihad Airways, credited straight into your Etihad Guest account
- 12 domestic and 8 international lounge visits a year
- A metal card — your name engraved on solid metal, a headline feature at this fee level
- 15,000 welcome Miles (~₹7,500) comfortably cover the first-year fee
✕ Cons
- 2 Miles per ₹100 (~1%) on everyday spend is ordinary at a ₹5,000 fee — the forex and status carry this card, not the earn rate
- Miles are locked to Etihad Guest — no statement credit, no vouchers, no transfer out, and they expire on Etihad's tier-based schedule
- The ₹12 lakh annual milestone is a high bar; most holders will never reach the 24,000-Mile bonus
- A long exclusion list — rent, insurance, telecom, education, government, wallet loads and waiver-eligible fuel earn nothing at all
- Gold tier needs an Etihad.com transaction within 6 months of issuance — miss the window and you stay Silver
Eligibility & documents
Age
21 –60 years
Min. income
₹1,00,000 /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 with no cash or voucher fallback and Etihad's tier-based expiry, and the 2 Miles per ₹100 base is beaten on everyday spend by transferable-currency cards at the same fee — so the case rests on the 0% forex and the status, not the earn rate.
The bottom line
This card really behaves like two products bundled together. Judged as a zero-forex card, it holds up well: a genuine 0% markup at a ₹5,000 fee, paired with 12 domestic and 8 international lounge visits and a real path to airline status, beats what the fee-free zero-forex options offer. Judged purely on miles, though, it's unremarkable — 2 Miles per ₹100 comes to about 1%, and that value only materializes if Etihad is actually your airline of choice. The sensible way to think about it: the forex waiver and the status track are the reasons to apply, and the miles earn rate is a secondary bonus rather than the main selling point.
Sources & verification
Fees, reward rates, and benefits for the BOBCARD Etihad Guest Premium 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 Premium launched
BOBCARD launched the Etihad Guest Premium in January 2026 as the higher tier of its first airline co-brand — two cards created with Etihad Guest after Etihad's earlier SBI Card co-brand was wound down (the SBI Etihad cards closed on 31 March 2026). The super-premium card carries a genuine 0% forex markup, earns 6 Etihad Guest Miles per ₹100 on Etihad Airways and 2 Miles per ₹100 on all other domestic and cross-border spend, grants complimentary Etihad Guest Silver status on the first card transaction with a route to Gold via one Etihad.com booking, and adds 12 domestic (3/quarter) and 8 international (2/quarter) lounge visits a year for a ₹5,000 + GST fee waivable at ₹5 lakh of annual spend. Early applicants onboarded between 5 January and 28 February 2026 received double welcome Miles.
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 Super Premium credit card
Reward rate 1%–3%
Best for Frequent international traveller wanting zero forex markup
Joining fee ₹5,000
Annual fee ₹5,000
Reviewed by
Devchandra Sah · Cards tested, miles earned, trips booked — for over a decade
Last verified 7 Aug 2026
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