In-depth review
BOBCARD Etihad Guest Premium Credit Card
A genuine 0% forex markup at ₹5,000, plus Etihad Guest Silver on your first swipe and a route to Gold — that combination is rare in India. The miles themselves are ordinary (2 per ₹100, about 1%) and locked inside Etihad Guest. Buy it for the forex and the status; treat the miles as a bonus, not the business case.
Read the full review →Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹7,500 in vouchers, points or cashback in year one — conditional on ₹50,000 of spend within 65 days of card set-up
6 miles/₹100 on Travel (~3% value)
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
Complimentary: 12 domestic airport lounge visits a year (3 a quarter) and 8 international (2 a quarter)
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
✈️ TRAVEL BENEFITS
Lounge access, miles, forex rates and travel perks at a glance.
AIRPORT LOUNGE ACCESS
12 visits/yr
Domestic lounges
✓
International lounges
₹14,000
Estimated annual value
0% — Zero!
Forex markup
3.0%
Travel reward rate
AIRLINE / TRAVEL PARTNERS
- Domestic + international airport lounge access (12 domestic visits/yr, worth ~₹14,000)
- Miles on: Etihad Airways (etihad.com)
- 3.0% effective return on travel bookings
- Zero forex markup — zero extra cost abroad
👑 PREMIUM LIFESTYLE BENEFITS
Concierge, golf, hotel membership and high-value perks for premium cardholders.
₹12,000
Milestone bonus value
- 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.
- 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.
For the frequent international traveller who wants a zero-forex card that also builds airline status — especially anyone routing through Abu Dhabi on Etihad. The 0% markup makes it a credible everyday overseas card on its own merits; the Gold tier path is the reason to prefer it over a plain zero-forex card.
Full reward structure
What you earn on every rupee, per spend category — as of 11 Oct 2026. Rates assume 1 pt = ₹0.50. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Travelonly at Etihad Airways (etihad.com) | airline miles | 3%6 pts/₹100 × ₹0.50 | — |
| Other | airline miles | 1%2 pts/₹100 × ₹0.50 | — |
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 · Etihad Airways (etihad.com)
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
Earns nothing on: Fuel · Rent · Insurance · TELECOM · Education · Government & Tax · Wallet Loads
These spends earn no rewards at all — not a reduced rate, and not the base rate. They are also normally left out of any milestone or fee-waiver calculation.
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying. Fees below are shown inclusive of 18% GST, as of 11 Oct 2026.
| 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 — ~₹37,000/yr in total.
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.
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.
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.
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 everyday spends (1% back; 3% only at Etihad Airways (etihad.com)).
- Frequent travellers benefit from the included airport lounge access.
Pros & cons
✓ 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
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.
Standard redemption
Brand & e-gift vouchers
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.
Frequently asked questions
What does the BOBCARD Etihad Guest Premium earn?
Is the forex markup really zero?
How do the Silver and Gold tier grants work?
Can I redeem the Miles for cashback or vouchers?
What is the annual fee waiver and welcome benefit?
How has the BOBCARD Etihad Guest Premium Credit Card changed over time?
The bottom line
Two different cards live inside this one. As a zero-forex card it is genuinely competitive — 0% markup at ₹5,000 with 12 domestic and 8 international lounge visits and a real airline status grant is a combination the free zero-forex cards cannot match. As a miles earner it is ordinary: 2 Miles per ₹100 is about 1%, and the miles only work if you fly Etihad. Buy it for the forex and the status, and treat the miles as a bonus rather than the business case.
How this page was built
Counted from this card’s own record: 2 earn rules, 1 paid only at named merchants, the spends listed as earning nothing and 4 recorded perks. The renewal fee is conditional — it is waived on a published spend target, so the fee you pay depends on what you spend.
Last updated 11 Oct 2026.
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 updated 11 Oct 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.
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Guides and reviews related to this card.
BOBCARD Etihad Guest Premium Credit Card
A genuine 0% forex markup at ₹5,000, plus Etihad Guest Silver on your first swipe and a route to Gold — that combination is rare in India. The miles themselves are ordinary (2 per ₹100, about 1%) and locked inside Etihad Guest. Buy it for the forex and the status; treat the miles as a bonus, not the business case.
BOBCARD Etihad Guest Credit Card
BOBCARD's junior Etihad co-brand: 3 Etihad Guest Miles per ₹100 on Etihad and a 1% forex markup for ₹2,500. The catch is the base rate — 1 Mile per ₹100 works out to roughly 0.5%, thin for the fee, and the miles are locked inside Etihad Guest with no cash or voucher fallback. A loyalty card for genuine Etihad flyers, not a rewards card.
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 · last change Jan 2026
2026
- ◆ LaunchEffective 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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