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| Feature | BOBCARD BOBCARD Etihad Guest Credit Card | SBI Card IndiGo SBI Card ELITE |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | BOBCARD | SBI Card |
| Network | Mastercard | Mastercard + RuPay |
| Annual fee | ₹2,500 + GST per year | ₹4,999 + GST per year |
| Annual fee waiver | At ₹3,00,000 annual spending | No waiver recorded |
| Base reward rate | 0.5% | 2% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Travel & hotels | 0.5% · Etihad Airways mileage bonus | 3% · IndiGo purchase BluChips |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | No general cap recorded |
| RuPay credit card on UPI | Not eligible | Eligible for merchant UPI payments |
| Airport lounge access | 8 domestic airport lounge visits per year • 4 international airport lounge visits per year | 8 domestic airport lounge visits per year • 6 international airport lounge visits per year |
| Forex markup | 1% | 2.0% |
| Monthly income requirement | Approx. ₹50,000/month | Not listed |
| Terms verified | 23 Sept 2026 | 24 Sept 2026 |
| Best suited to | Occasional Etihad flyers who want low forex and lounge access at a mid-premium fee. | Frequent IndiGo flyers with substantial annual travel and international lounge use. |
| Main trade-off | Etihad Guest miles have no fixed issuer cash value; GainFair uses a disclosed ₹0.50 planning assumption. The welcome package is time-bound to eligible September 2026 onboarding, and the monthly bonus also requires four transactions. | There is no annual-fee waiver. Domestic lounge access requires ₹1 lakh eligible spend in the preceding quarter, and BluChips are airline currency rather than cash. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
