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Bank of Baroda

BOBCARD Etihad Guest

The entry Etihad Guest co-brand card, at half the fee and earn rate of Premium, with a 1% forex markup instead of 0%.

Joining fee
₹2,500
Annual fee
₹2,500
Status
Open
Verified
4 September 2026
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BOBCARD Etihad Guest

Fees

Joining fee
₹2,500
Annual fee
₹2,500
Fee waiver
Waived above ₹3,00,000 annual spend
Forex markup
1%
APR
45% p.a.
Monthly finance charge
3.75%

Rewards

miles

  • travel-flights: 3 points / ₹100Etihad Airways spends.
  • everything-else: 1 points / ₹100

Milestone rewards

  • ₹25,000 spend: 250 miles
  • ₹2,00,000 spend: 2,000 miles

Welcome benefit: 7,500 bonus miles (5,000 on ₹25,000 spend within 60 days + 2,500 on ₹50,000 cumulative spend). No INR value per mile is stated anywhere.

Important Exclusions

  • rent, education, insurance: Rent, education, government, telecom, insurance, and wallet-load spends earn no miles.

Travel

Domestic lounge
8/year
International lounge
4/year
Forex markup
1%

2 domestic and 1 international visit per quarter.

Eligibility

Minimum age
21 years
Employment
salaried, self-employed

Why this card may suit you

  • The annual fee is waived once you spend 3,00,000 in a year.
  • It includes airport lounge access, useful if you travel by air a few times a year.

Source & Verification

Verified from official issuer sources. Last verified 4 September 2026

View issuer page ↗

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An entry-level card whose real value is the lounge and cinema benefits, not the rewards. The reward points earn into a goods catalogue with no published rupee value, so treat the rate as unknown rather than as cashback.

Joining
₹500
Annual
₹500
Base reward
0.8% everything else
Forex
3.5%
Lounge
1/qtr domestic lounge
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