BOBCARD Etihad Guest Credit Card
BOBCARD · Mastercard · Premium card
The lower-cost Etihad variant offers airline miles, low forex and useful lounge access without the Premium card fee.
Occasional Etihad flyers who want low forex and lounge access at a mid-premium fee.
Terms checked 23 Sept 2026
- Annual fee
- ₹2,500 + GST
- Joining fee
- ₹2,500 + GST
- Base reward rate
- 0.5%
- Forex markup
- 1%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Online shopping | 0.5% |
| Groceries & essentials | 0.5% |
| Dining & delivery | 0.5% |
| Travel & hotels | 0.5% |
| Bills & utilities | 0.5% |
| Beauty & wellness | 0.5% |
| Entertainment & movies | 0.5% |
| Education & family | 0.5% |
| Healthcare & pharmacy | 0.5% |
| Subscriptions & streaming | 0.5% |
| Offline store shopping | 0.5% |
| International spending | 0.5% |
| Gold & jewellery | 0.5% |
| House rent | 0.5% |
| Insurance premiums | 0.5% |
| Other miscellaneous | 0.5% |
| Fuel & commute | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- At ₹3,00,000 annual spending
- Monthly income requirement
- Approx. ₹50,000/month
Airport lounge access
8 domestic airport lounge visits per year • 4 international airport lounge visits per year
2 domestic airport lounge visits per quarter · Issuer card
Guest access: Not specified
1 international airport lounge visit per quarter · LoungeKey
Guest access: Chargeable
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 4 items
Etihad Airways mileage bonus
Usage-based valueTwo incremental miles plus the one-mile base produce three Etihad Guest miles per ₹100 on eligible Etihad Airways purchases.
Conditions: Two incremental miles plus the one-mile base produce three Etihad Guest miles per ₹100 on eligible Etihad Airways purchases.
Base Etihad Guest miles
Usage-based valueOne Etihad Guest mile per ₹100 on other eligible domestic and cross-border retail purchases, valued at the disclosed ₹0.50 planning assumption.
250 monthly miles after at least four transactions totalling ₹25,000
Shown without a cash valueThree Etihad Guest miles per ₹100 on eligible Etihad Airways purchases
Shown without a cash value
Fees · 2 items
Annual card fee
Cost ₹2,500₹2,500 annual fee before applicable tax.
Joining fee
Cost ₹2,500₹2,500 one-time joining fee before applicable tax.
Fee waiver · 1 item
Annual fee waiver
Usage-based · up to ₹2,500Annual fee may be waived after ₹3,00,000 of eligible annual spending.
Conditions: Reach ₹3,00,000 eligible annual spending
Welcome benefits · 1 item
7,500 Etihad Guest miles
Recorded value ₹3,750Two-stage September 2026 welcome package, valued with GainFair’s disclosed ₹0.50-per-mile planning assumption.
Conditions: Be onboarded between 1 and 30 September 2026 · Pay the applicable joining fee and activate the card · Spend ₹25,000 within 60 days for 5,000 miles · Reach cumulative ₹50,000 within 60 days for another 2,500 miles
Spend milestones · 2 items
2,000 miles at ₹2 lakh quarterly spend
2,000 reward unitsUnlocked after ₹2,00,000 of eligible spending.
Conditions: Reach ₹2,00,000 per calendar quarter
Exclusions: fuelCommute
12,000 miles at ₹7.5 lakh anniversary spend
12,000 reward unitsUnlocked after ₹7,50,000 of eligible spending.
Conditions: Reach ₹7,50,000 per card anniversary year
Exclusions: fuelCommute
Card tiers · 2 items
Complimentary Etihad Guest Silver tier after a first Etihad.com transaction within six months, subject to programme rules
Shown without a cash valueQuarterly and annual mileage bonuses worth 20,000 miles at the maximum spend tier
Shown without a cash value
Airport lounge access · 2 items
Domestic lounge access
Usage-based value2 visits per quarter through Issuer card. Guest access: not specified.
International lounge access
Usage-based value1 visit per quarter through LoungeKey. Guest access: chargeable.
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value1% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. Published minimum monthly income: ₹50,000. BOBCARD publishes minimum annual income of ₹6 lakh and age 21-60.
Other benefits · 1 item
1% fuel-surcharge waiver on ₹500-₹5,000 transactions, capped at ₹250 per statement cycle
Shown without a cash value
Other categories (8)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Movies and entertainment
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Travel privileges
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Dining
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Golf
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Insurance and protection
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Fuel benefits
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Memberships
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Concierge
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗
What stands out
- ✓ Three Etihad Guest miles per ₹100 on eligible Etihad Airways purchases
- ✓ 7,500 welcome miles under the September 2026 onboarding offer
- ✓ Quarterly and annual mileage bonuses worth 20,000 miles at the maximum spend tier
- ✓ Eight domestic and four international lounge visits yearly
What to watch
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.
Recorded exclusions
Fuel Commute · Cash withdrawal
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Affiliate disclosure: Affiliate link · GainFair may earn a commission if you complete a qualifying action. You pay nothing extra, and compensation never affects recommendations or rankings. Read the full disclosure.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Card change history
Material changes verified against dated issuer notices. Effective dates can differ from announcement dates.
- Value reduced
September double-welcome offer ends
The time-bound 7,500-mile onboarding offer applies only to eligible September 2026 issuance.
- Before
- Eligible customers onboarded from 1-30 September 2026 can earn 7,500 welcome miles.
- After
- The September promotional welcome package is no longer available unless BOBCARD extends or replaces it.
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 23 Sept 2026 · Latest recorded change effective 1 Sept 2026