BOBCARD Etihad Guest Premium Credit Card
BOBCARD · Visa · Premium card
Zero forex markup on a dedicated airline co-brand card is unusual: a strong pick specifically for Etihad flyers.
Frequent Etihad Airways flyers building Etihad Guest miles.
Terms checked 13 Sept 2026
- Annual fee
- ₹5,000 + GST
- Joining fee
- ₹5,000 + GST
- Base reward rate
- 1%
- Forex markup
- 0%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Travel & hotels | 1% |
| International spending | 1% |
| Online shopping | 1% |
| Dining & delivery | 1% |
| Groceries & essentials | 1% |
| Subscriptions & streaming | 1% |
| Beauty & wellness | 1% |
| Entertainment & movies | 1% |
| Offline store shopping | 1% |
| Other miscellaneous | 1% |
| Fuel & commute | 0% |
| Bills & utilities | 0% |
| House rent | 0% |
| Insurance premiums | 0% |
| Education & family | 0% |
| Healthcare & pharmacy | 0% |
| Gold & jewellery | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- At ₹5,00,000 annual spending
- Monthly income requirement
- Not listed
Airport lounge access
12 domestic airport lounge visits per year • 8 international airport lounge visits per year
3 domestic airport lounge visits per quarter · Issuer card
Guest access: Not specified
Maximum 12 domestic visits per year.
8 international airport lounge visits per year · Priority Pass
Guest access: Chargeable
Maximum two international visits per quarter.
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 · 7 items
Direct Etihad rewards
Usage-based value6 miles per ₹100 requires an eligible direct Etihad Airways transaction.
Conditions: 6 miles per ₹100 requires an eligible direct Etihad Airways transaction.
Other eligible Etihad Guest miles
Usage-based value2 miles per ₹100 on other eligible domestic and cross-border retail purchases.
500 bonus miles in a month after four transactions totaling ₹50,000
Shown without a cash value1,000 travel-goal miles after flying Etihad twice in a year
Shown without a cash value6 Etihad Guest miles per ₹100 on direct Etihad purchases
Shown without a cash value2 miles per ₹100 on other eligible domestic and cross-border purchases
Shown without a cash value4,000 quarterly miles at ₹3 lakh and 24,000 annual miles at ₹12 lakh
Shown without a cash value
Fees · 2 items
Annual card fee
Cost ₹5,000₹5,000 annual fee before applicable tax.
Joining fee
Cost ₹5,000₹5,000 one-time joining fee before applicable tax.
Fee waiver · 1 item
Annual fee waiver
Usage-based · up to ₹5,000Annual fee may be waived after ₹5,00,000 of eligible annual spending.
Conditions: Reach ₹5,00,000 eligible annual spending
Welcome benefits · 1 item
15,000 Etihad Guest miles
Recorded value ₹7,500Two-stage welcome-mile package, valued using the disclosed ₹0.50 planning assumption.
Conditions: Pay the applicable joining fee · Spend ₹25,000 within 60 days for 10,000 miles · Reach cumulative ₹50,000 eligible spend for another 5,000 miles
Spend milestones · 2 items
4,000 miles at ₹3 lakh quarterly spend
4,000 reward unitsUnlocked after ₹3,00,000 of eligible spending.
Conditions: Reach ₹3,00,000 per calendar quarter
24,000 miles at ₹12 lakh annual spend
24,000 reward unitsUnlocked after ₹12,00,000 of eligible spending.
Conditions: Reach ₹12,00,000 per card anniversary year
Card tiers · 1 item
Etihad Silver after first card transaction and Gold after an eligible ₹10,000 Etihad.com transaction within six months
Shown without a cash value
Airport lounge access · 2 items
Domestic lounge access
Usage-based value3 visits per quarter through Issuer card. Guest access: not specified. Maximum 12 domestic visits per year.
International lounge access
Usage-based value8 visits per year through Priority Pass. Guest access: chargeable. Maximum two international visits per quarter.
Fuel benefits · 1 item
1% fuel surcharge waiver on ₹500 to ₹5,000 transactions, capped at ₹250 per statement
Shown without a cash value
Foreign-currency charges · 1 item
Zero forex markup
Usage-based value0% 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. No universal verified numeric income threshold is used as a hard filter. The reviewed issuer sources do not publish one universal numeric income threshold.
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 ↗Official source 3 ↗Travel privileges
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source ↗Dining
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Golf
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Insurance and protection
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
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 ↗Official source 3 ↗Concierge
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Other benefits
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Official source 3 ↗
What stands out
- ✓ 6 Etihad Guest miles per ₹100 on direct Etihad purchases
- ✓ 2 miles per ₹100 on other eligible domestic and cross-border purchases
- ✓ Zero forex markup with 12 domestic and 8 international lounge visits yearly
- ✓ 4,000 quarterly miles at ₹3 lakh and 24,000 annual miles at ₹12 lakh
What to watch
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.
Recorded exclusions
Fuel Commute · Groceries · Bills Utilities · Education Family · Healthcare · Gold Jewellery · Rent · Insurance · Wallet load · Government payments · Charity
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
Etihad Gold qualification tightened
The complimentary Etihad Gold route now requires a minimum qualifying Etihad.com transaction within six months.
- Before
- A qualifying Etihad.com transaction could trigger the published Gold benefit without the current minimum-ticket disclosure.
- After
- At least ₹10,000 must be spent in one eligible Etihad.com transaction within six months of card issuance.
Checked 21 Sept 2026BOBCARD Etihad current product terms ↗
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 13 Sept 2026 · Latest recorded change effective 5 Aug 2026