BOBCARD Etihad Guest Credit Card
An Etihad Guest co-brand card earning airline miles: 3 per ₹100 on Etihad Airways and 1 per ₹100 on other spends, bonus miles monthly, quarterly and yearly, a 1% forex markup and 12 lounge visits a year; BOBCARD gives the miles no rupee value. Every figure below is copied from BOBCARD’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Not on record from an official document: rupee value of a reward point. CardWise does not estimate these.
Fees and charges
| Joining fee | ₹2,500 plus GST MITC |
|---|---|
| Annual fee | ₹2,500 plus GST MITC |
| Annual fee waiver | On ₹3,00,000 of spend in the year MITC |
| GST on fees | 18% |
| Foreign-currency markup | 1% of the transaction, plus GST MITC |
| The joining fee is charged at issue and is not refundable; the annual fee is waived on ₹3 lakh of spend in each card anniversary year. | |
Rewards
Reward points (rupee value not on record).
| Spend | Earns | Cap |
|---|---|---|
| Eligible spends in India and abroad (1 Etihad Guest Mile per ₹100) | 1 point per ₹100 Product page | no cap on record |
Miles go to the cardholder's Etihad Guest account each statement cycle and can be used only with Etihad Guest; BOBCARD states they have no monetary value, so the card's rewards cannot be priced. Etihad Airways spends earn 3 miles per ₹100 (a highlight). Telecom bills (MCC 4814) earn no miles; other utility bills do.
No rewards on
- Fuel Product page
- Passenger transport including railways, tolls and buses; telecom; rent; government; education; hospitals; wallets; insurance; charity MITC
Benefits
- Lounges: 8 domestic (2 a quarter) and 4 international (1 a quarter) lounge visits a year Product page
- Fuel: 1% fuel surcharge waived on fills of ₹500 to ₹5,000, up to ₹250 a statement cycle Product page
- Welcome: 5,000 Etihad Guest miles on ₹25,000 of spend in the first 65 days (with the joining fee paid), plus 2,500 more on cumulative spend of ₹50,000 Product page
- Milestone: 250 bonus miles a billing cycle on at least 4 transactions totalling ₹25,000 Product page
- Milestone: 2,000 bonus miles on ₹2 lakh of spend in a calendar quarter Terms
- Milestone: 12,000 bonus miles on ₹7.5 lakh of spend in a card anniversary year Terms
Also on this card
Quoted from BOBCARD; not counted in the net value.
- 3 Etihad Guest Miles per ₹100 on Etihad Airways Product page
- 1% foreign currency markup Product page
Eligibility
- Indian resident Product page
- Age 21 or above Product page
- Age 60 or below Product page
- Salaried or self-employed Product page
The issuer publishes only part of its criteria; approval rests on its own assessment.
Not published by BOBCARD in the documents read
- the rupee value of an Etihad Guest mile (BOBCARD says miles have no monetary value)
- the card network
- a RuPay variant for UPI
- an income requirement
The quotes behind the figures
22 figures, each copied from an official BOBCARD document.
Show every quote and source
“BOBCARD Etihad Guest: `2500 + GST BOBCARD Etihad Guest Premium: `5000 + GST”
“18%## (applicable on all fees, interest & other charges)”
“BOBCARD Etihad Guest: Applicable on spends of `3,00,000 in Anniversary year”
“BOBCARD Etihad Guest: 1% of transaction amount”
“Earn 3 Miles per ₹100 on Etihad Airways and 1 Mile per ₹100 on every other domestic & cross-border spends”
“No Cashback/Reward Points are earned on fuel transactions.”
“Spends on special categories (MCC's) listed in Annexure 1 won't qualify for base miles.”
“Transportation (Passenger Transportation, Passenger Railways, Bus services, Toll and road and Bridge Fees and Transportation Services - Not Elsewhere Classified) Telecom Rent Cleaning and Maintenance, laundry, Personal services (Beauty parlour, barber, Legal and CIVIC services etc) Government Education Hospital Wallet Insurance Charity”
“The Etihad Guest credit card carries a joining and annual fee of ₹2500+GST, charged at card issuance and non-refundable.”
“Miles has no monetary value and are not exchangeable for cash.”
“Miles earned can be redeemed only on Etihad platform.”
“The annual fee will be waived on spending of ₹3,00,000 or more during each card anniversary year.”
“Base Variant -- Total: 7,500 Miles”
“Enjoy 8 domestic (2 per quarter) and 4 international (1 per quarter) lounge visits every year”
“1% fuel surcharge waiver** at all fuel stations across India on transactions between ₹500 and ₹5,000 (Max. ₹250 per statement cycle).”
“Earn 7,500 Etihad Guest Bonus Miles: 5,000 joining miles on spends of ₹25,000 in the first 65 days and upon payment of your joining fee + 2,500 spend-based miles on cumulative spends of ₹50,000.”
“Monthly bonus- Earn bonus 250 Miles on any 4 transactions totaling ₹25000. Valid once per month”
“Base: 2,000 bonus miles on spends of 2,00,000 in a calendar quarter. Valid once per quarter.”
“Base: 12,000 bonus miles on annual spends of 7,50,000. Valid once per anniversary year.”
“BOBCARD Etihad Guest Credit Card comes with 1 % forex markup”
“Indian resident Age between 21-60 years Salaried or Self-Employed”
“Whether for business or leisure, your BOBCARD Etihad card transforms your travel into a first-class experience - every airport, every flight, every moment. Apply Now”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with BOBCARD or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is BOBCARD’s own file from its website, unaltered, fetched 2026-10-16. Methodology