BOBCARD Etihad Guest Premium Credit Card review: fees, rewards and eligibility
The BOBCARD Etihad Guest Premium Credit Card has a recorded annual fee of ₹5,000 plus GST and a base earn of 2 Etihad Guest Miles per ₹100 on eligible domestic and cross-border spends. CardMasters checked its issuer terms on 2026-08-08. Affiliate commission never changes ranking; confirm final terms and approval with BOBCARD.
BOBCARD Etihad Guest Premium Credit Card: short answer
The BOBCARD Etihad Guest Premium Credit Card is in the super-premium tier of BOBCARD credit cards, with a joining fee of ₹5,000, an annual fee of ₹5,000 plus GST (waived on ₹5,00,000 of eligible annual spend), a base earn of 2 Etihad Guest Miles per ₹100 on eligible domestic and cross-border spends and a 0% forex markup. Rewards are not earned on fuel. It suits travel, international travel, air miles spending; whether it beats a card you already hold depends on your own spend mix and redemption choices.
Source: CardMasters issuer-evidence catalogue, release 2026-08-08. Confirm final terms with the issuer.
Reward structure
2 Etihad Guest Miles per ₹100 on eligible domestic and cross-border spends
- 6 Etihad Guest Miles per ₹100 on Etihad Airways — Issuer-specific Etihad Airways earn; not applied to generic travel spending in the recommendation model.
Eligibility and important limits
minimum age 21 BOBCARD publishes Indian residency, age 21–60 and salaried or self-employed status, but no card-specific income floor or numeric bureau-score cutoff on the issuer product page. This card is therefore available for research but excluded from personalized eligibility recommendations. Approval remains solely at the issuer’s discretion.
Does not earn: fuel.
Important limit: Etihad Guest Miles have no cash value and can be redeemed only through the Etihad Guest programme; CardMasters uses a conservative ₹0.50-per-mile estimate for comparison.
Frequently asked questions
What is the annual fee for the BOBCARD Etihad Guest Premium Credit Card?
The published annual fee in our current record is ₹5,000 plus applicable GST. It can be waived after ₹5,00,000 of eligible annual spend, subject to issuer terms.
How do rewards work on the BOBCARD Etihad Guest Premium Credit Card?
2 Etihad Guest Miles per ₹100 on eligible domestic and cross-border spends. Accelerated routes include 6 Etihad Guest Miles per ₹100 on Etihad Airways. Reward value depends on the eligible transaction route and redemption method.
Which transactions do not earn rewards on the BOBCARD Etihad Guest Premium Credit Card?
The current issuer-sourced exclusions recorded by CardMasters include fuel. Merchant category coding and issuer terms determine final eligibility.
Who should consider the BOBCARD Etihad Guest Premium Credit Card?
It is most relevant for people focused on travel, international travel, air miles, forex free. Whether it improves your wallet still depends on your actual spending, existing cards, fees and redemption choices.
Is the BOBCARD Etihad Guest Premium Credit Card worth it?
It is worth holding only when the rewards and benefits you will genuinely use exceed ₹5,000 plus GST each year. The fee is waived at ₹5,00,000 of eligible annual spend, so check whether you reach that without forcing spend. Value the rewards at a realistic redemption rate, not the issuer's best-case example.
What is the eligibility for the BOBCARD Etihad Guest Premium Credit Card?
The published minimum age is 21. BOBCARD publishes Indian residency, age 21–60 and salaried or self-employed status, but no card-specific income floor or numeric bureau-score cutoff on the issuer product page. This card is therefore available for research but excluded from personalized eligibility recommendations. Approval, credit limit and final pricing are decided solely by the issuer.
What is the forex markup on the BOBCARD Etihad Guest Premium Credit Card?
The recorded foreign-currency markup is 0% before GST. On ₹1,00,000 of international spend that is about ₹0 in markup, so compare it against any rewards earned on overseas transactions.
Does the BOBCARD Etihad Guest Premium Credit Card offer airport lounge access?
Domestic lounge access: 12/year (3/quarter). International lounge access: 8/year (2/quarter). Spend conditions and guest charges are set by the issuer and can change.