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| Feature | BOBCARD BOBCARD Etihad Guest Premium Credit Card | SBI Card KrisFlyer SBI Card APEX |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | BOBCARD | SBI Card |
| Network | Visa | Visa |
| Annual fee | ₹5,000 + GST per year | ₹9,999 + GST per year |
| Annual fee waiver | At ₹5,00,000 annual spending | No waiver recorded |
| Base reward rate | 1% | 1.5% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| International spending | 1% · Other eligible Etihad Guest miles | 2% · International-spend miles |
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 | Not eligible |
| Airport lounge access | 12 domestic airport lounge visits per year • 8 international airport lounge visits per year | 8 domestic airport lounge visits per year • 8 international airport lounge visits per year |
| Forex markup | 0% | 3.5% |
| Monthly income requirement | Not listed | Not listed |
| Terms verified | 13 Sept 2026 | 13 Sept 2026 |
| Best suited to | Frequent Etihad Airways flyers building Etihad Guest miles. | Frequent Singapore Airlines / KrisFlyer flyers and international travellers. |
| Main trade-off | Etihad Guest miles are only valuable if you actually fly Etihad or its partners regularly; otherwise this card’s value proposition collapses to its base rate. | Value concentrates heavily around Singapore Airlines Group flying: general spenders without SIA loyalty won’t extract full value. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
