Bank of Baroda
BOBCARD Etihad Guest Credit Card
Annual Fee
₹2,950₹2,500 + GSTBase Reward
1% miles
Foreign Markup
1%
Welcome Benefits
2,500 + 2,500 (LIMITED TIME OFFER) Etihad Guest Bonus Miles on Spending ₹10,000 Within 60 Days and Silver Tier Status on First Etihad Transaction Within 6 Months
Product Highlights
- Earn 3 Etihad Guest Miles per ₹100 spent on Etihad Airways
- 1 Mile per ₹100 on all other domestic and international spends
- Complimentary Etihad Guest Silver Tier status on your first Etihad transaction within 6 months
Fee Waiver
Annual Fee Waiver on Spends of ₹3 Lakh or More
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
Etihad Airways
3X on Etihad Airways spends
Reward Calculator
Earns ₹912/year (net)
Modest gain. Solid hold if you like the perks.
₹13K
across all your buckets
2.3K
Etihad Guest Miles
₹912
via standard · ₹0.4/pt
Effective rate
0.58%
Annual fee
FREE
Year 1 net
+₹912
Year 2+ net
+₹912
ongoing
Adjust your spend by reward bucket
2 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
1%Charged on every international (non-INR) transaction
Excluded from rewards
fuel, rent, wallet, emi, cash advance, government
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
Earn 3 Etihad Guest Miles for every ₹100 spent on Etihad Airways bookings, while all other domestic and international transactions earn 1 Etihad Guest Mile for every ₹100 spent.
- Redeem Miles With Etihad Travel
Benefits & Features
Domestic: 8 Complimentary Lounge Visits Per Year (2 Per Quarter) International: 4 Complimentary Lounge Visits Per Year (1 Per Quarter) Full lounge access description
Pros & Cons
Pros
- Competitive 1% Forex markup fee on international transactions
- Fast-track to complimentary Etihad Silver tier status without a minimum threshold requirement
Cons
- Miles can be redeemed only on the Etihad Guest platform, limiting flexibility
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Networks
Fee Waiver
Annual Fee Waiver on Spends of ₹3 Lakh or More