BOBCARD Etihad Guest Premium
A super-premium metal travel card tailored for flyers on Etihad Airways and its global partner network. It features a 0.00% foreign exchange markup on cross-border transactions, direct Etihad Guest Miles accrual, Etihad Guest Gold tier upgrade privileges, and 20 complimentary airport lounge visits annually across domestic and international terminals.
Why We Recommend The BOBCARD Etihad Guest Premium
One of the most competitive airline co-branded cards in India thanks to its 0% forex markup and 20 annual lounge visits.
Frequent Gulf, European, and US travelers flying Etihad or looking for a 0% forex card that earns air miles.
Welcome Gift & Activation Benefits
* Welcome benefits are typically unlocked upon payment of the joining fee and initial card activation within 30 to 90 days.
Grofi Expert Rating
Ratings are algorithmically weighted using real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and pricing transparency.
Uncover Your True Net Yield with the BOBCARD Etihad Guest Premium
Financially calibrated for BOBCARD Limited (Bank of Baroda) reward policies. Simulate your real spending habits, unlock milestone fee waivers, and forecast pure rupee savings.
* Official Point Value: Up to ₹1.00–₹1.50 (based on Etihad Guest flight reward redemptions)
Calculated on annual spending of ₹6,00,000.
Instant Bank Approval • Zero CIBIL Impact Check
Complete Fee Schedule for the BOBCARD Etihad Guest Premium
Zero hidden charges. Transparent pricing verified against official BOBCARD Limited (Bank of Baroda) regulatory schedules.
One-time setup fee billed on your first monthly card statement
Billed annually starting from the 2nd year of card membership
Annual renewal fee is reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate applicable on revolving card balances
Fee applicable on ATM cash withdrawals via credit card
Grace window from the first day of billing cycle till due date
Airport Lounge Privileges on the BOBCARD Etihad Guest Premium
Experience complimentary gourmet dining, quiet workspaces, and premium comforts before every flight.
12 complimentary domestic airport lounge visits per year (3 per quarter)
Valid across 40+ premier domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.
8 complimentary international airport lounge visits per year (2 per quarter)
Access over 1,300+ luxury airport lounges across major international flight hubs in Dubai, London Heathrow, Singapore Changi, New York JFK, and Doha.
What Makes BOBCARD Etihad Guest Premium Stand Out?
Top card benefits, milestone perks, partner privileges, and consumer protections engineered into this tier.
True 0% foreign exchange markup fee on all overseas and foreign currency spends.
12 domestic and 8 international complimentary airport lounge visits annually.
Monthly, quarterly, and annual bonus miles on achieving spend milestones.
Honest Pros & Cons of the BOBCARD Etihad Guest Premium
An objective evaluation of key strengths and structural limitations before submitting your application.
What We Love (Pros)
- Rare Indian credit card combining 0% forex markup with 2 Miles/₹100 on international spends.
- Annual fee waiver threshold of ₹5,00,000 is reasonable for a ₹5,000 super-premium metal card.
- Generous 8 international + 12 domestic lounge visits per year.
Things to Consider (Cons)
- Premium annual fee of ₹5,000 + GST.
- Miles are tied to Etihad Guest and partner airline redemptions.
- No fuel surcharge waiver included in the published schedule.
Who Can Apply for the BOBCARD Etihad Guest Premium?
Review minimum income thresholds, credit score benchmarks, and essential documentation before starting.
Net in-hand monthly or annual earnings
Primary cardholder (18+ for add-on cards)
With continuous regular employment history
With valid Indian residential address proof
750+ Score Recommended
Applicants with a score above 750 qualify for expedited approval, optimal credit limits, and zero security deposit requirements from BOBCARD Limited (Bank of Baroda).
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Verification
Aadhaar Card (linked with mobile number for instantaneous e-KYC), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or verifiable e-PAN copy required by RBI guidelines for all formal credit evaluations.
Proof of Income
Salaried: Last 3 months' salary slips or net banking account aggregator consent. Self-employed: Latest ITR computation.
Everything You Need to Know About BOBCARD Etihad Guest Premium
Clear answers on fee waivers, reward points redemption, lounge rules, and approval timelines.
The annual renewal fee for BOBCARD Etihad Guest Premium is ₹5,000 + GST.
You can have this fee completely waived by meeting the annual spend milestone: Waived on annual spends of ₹5,00,000 or more. Spends across retail, online shopping, travel, dining, and utility payments count towards this milestone.
The BOBCARD Etihad Guest Premium features: 6 Etihad Guest Miles per ₹100 on Etihad Airways spends with 0% Forex Markup.
Base reward: 2 Etihad Guest Miles per ₹100 spent on domestic and cross-border retail.
Accelerated reward: 6 Etihad Guest Miles per ₹100 on Etihad Airways bookings; 2 Miles per ₹100 on all other eligible domestic and international transactions + monthly, quarterly, and annual milestone bonus miles.
Reward points can be redeemed directly via the BOBCARD Limited (Bank of Baroda) netbanking portal or mobile app for statement cash credit, flight tickets, hotel bookings, or brand shopping vouchers.
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Ready to Apply for the BOBCARD Etihad Guest Premium?
Check your pre-approved credit limit and instant approval eligibility across BOBCARD Limited (Bank of Baroda) with 100% paperless verification and zero score impact.