BOBCARD Etihad Guest
BOBCARD (Bank of Baroda) · Open to apply
An Etihad Guest card with a 1% forex markup: 1 mile per ₹100 (3 on Etihad Airways), 2 domestic and 1 international lounge visit a quarter with no spend test, monthly, quarterly and annual bonus miles, for ₹2,500 a year waived at ₹3 lakh spend.
- Annual fee
- ₹2,500 + GST a year
- Joining fee
- ₹2,500 + GST
- Fee waiver
- Annual fee waived on ₹3,00,000 spend per card year
- Base rate
- 1 Etihad Guest mile per ₹100 on other spends: 1 Etihad Guest Miles per ₹100 (about 0.7% at cash value)
- Lounges
- Domestic: 2 visits a calendar quarter; International: 1 visit a calendar quarter
- Forex markup
- 1%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 3 miles per ₹100 on Etihad Airways: 3 Etihad Guest Miles per ₹100 (about 2.1% at cash value)
Earns nothing on
- No miles on fuel (MCCs 5172, 5541, 5542, 5983)
- No miles on rent (MCC 6513)
- No miles on government payments (MCCs 9211, 9222, 9311, 9399, 9402, 9405)
- No miles on education (MCCs 8211, 8220, 8241, 8244, 8249, 8299)
- No miles on wallet loads (MCCs 6539, 6541, 6542, 6543)
- No miles on insurance (MCCs 5960, 6300)
- No miles on toll and road fees (MCC 4784)
- No miles on railway bookings (MCC 4112)
- No miles on telecom (MCC 4814)
Where the sources disagree
- Welcome miles: The consolidated MITC (created 7 Oct 2026) gives 2,500 welcome miles on ₹10,000 in 60 days. The programme benefits sheet (created 13 Jul 2026) gives 7,500 (5,000 on ₹25,000 and 2,500 on ₹50,000), and the product page shows the same 7,500 with a 65-day window. The offer terms (created 28 Oct 2026) give 5,000 on ₹25,000 plus 2,500 on ₹50,000 for customers onboarded 1 Oct to 15 Nov 2026 and say the offer "supersedes the joining benefit mentioned in the Card CVP". The page appears to show the offer; the MITC is newer than the sheet, so it is taken as the standing welcome. Entered: the offer for cards issued in its window, the MITC amount from 16 Nov 2026. What applied before 1 Oct is not entered.
Terms the calculator does not value
- Miles are valued at the programme's estimate in the calculator; Etihad publishes no award chart, so redemption value is uncertain.
- The page gives a travel-goal bonus of 500 miles when the cardholder flies twice a year with Etihad, once a year ("bonus miles on flying twice a year with Etihad, valid once per year", MITC). It needs Etihad flights, not card spend, so it is not entered.
- Welcome and bonus miles credit only after the joining fee is paid; welcome miles arrive within 65 days of issuance.
- The MITC's Etihad exclusion list excludes agriculture, contractors, personal services, hospitals and charity MCCs that have no calculator category.
Sources
- BOBCARD Etihad Guest product page (Product page, the bank's own, read 6 Nov 2026)
- BOBCARD Key Fact Statement (PDF created 17 Jul 2026) (Schedule of charges, the bank's own, read 6 Nov 2026)
- BOBCARD Consolidated MITC, version GENERIC MITC 2.0 JULY2026 (PDF created 7 Oct 2026) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- BOBCARD Product Features, Important Terms and Conditions (2 Nov 2026 edition) (Reward terms, the bank's own, read 6 Nov 2026)
- BOBCARD Etihad Guest programme benefits (miles, welcome credit timing) (Partner's page, the bank's own, read 6 Nov 2026)
- BOBCARD notice, Revision in product features for Etihad Guest Premium w.e.f. 5 Aug 2026 (gold tier) (Bank notice, the bank's own, read 6 Nov 2026)
- BOBCARD Etihad Guest welcome offer terms (onboarded 1 Oct to 15 Nov 2026) (Partner's page, the bank's own, read 6 Nov 2026)
- BOBCARD Etihad Guest global airport lounge list (Partner's page, the bank's own, read 6 Nov 2026)