BOBCARD Etihad Guest Credit Card
- Updated On: 3 July, 2026
The BOBCARD Etihad Guest Credit Card is a travel-focused card made for flyers who travel with Etihad a few times a year. It offers air miles, airport lounge access, a low forex markup, and tier benefits without making the structure complicated. If Etihad is your preferred airline and you want steady miles with travel comfort, this card fits the bill. With the BOBCARD Etihad Guest Credit Card, you earn 3 Etihad Guest Miles for every ₹100 spent on Etihad Airways bookings, while all other domestic and international transactions earn 1 Etihad Guest Mile for every ₹100 spent.
Those looking for an even more premium option can check out the BOBCARD Etihad Guest Premium Credit Card.
BOBCARD Etihad Guest Credit Card
( 4.6 / 5 )
- Joining Fee
- Annual Fee
- Best Suited For
- Reward Type
Rewards Rate
3 Miles/₹100 on Etihad Airways and 1 Mile/₹100 on All Other Domestic and Cross-Border Spends
Welcome Benefits
5,000 + 2,500 (LIMITED TIME OFFER) Etihad Guest Bonus Miles on Spending ₹50,000 Within 60 Days and Silver Tier Status on First Etihad Transaction Within 6 Months
Rewards and Benefits
Movie & Dining
N/A
Rewards Rate
3 Miles/₹100 on Etihad Airways and 1 Mile/₹100 on All Other Domestic and Cross-Border Spends
Reward Redemption
Redeem Miles With Etihad
Travel
N/A
Domestic Lounge Access
8 Complimentary Lounge Visits Per Year (2 Per Quarter)
International Lounge Access
4 Complimentary Lounge Visits Per Year (1 Per Quarter)
Golf
N/A
Insurance Benefits
N/A
Fees & Charges
Spend-Based Waiver
Annual Fee Waiver on Spends of ₹3 Lakh or More
Rewards Redemption Fee
Nil
Foreign Currency Markup
1%
Interest Rates
3.75% Monthly or 45% Annually
Fuel Surcharge Waiver
1% Waiver for Transactions Between ₹500 and ₹5,000
Cash Advance Charges
2.5% of the Amount Withdrawn or ₹500 (Whichever is Higher)
Product Details
- Earn 3 Etihad Guest Miles per ₹100 spent on Etihad Airways and 1 Mile per ₹100 on all other domestic and international spends.
- Get 5,000 Etihad Guest Bonus Miles on spending ₹25,000 within 60 days of card issuance.
- Enjoy complimentary Etihad Guest Silver Tier status on your first Etihad transaction within 6 months.
- Access 8 domestic and 4 international airport lounge visits every year.
- Pay a low 1% forex markup on international transactions, lower than most travel cards.
- Earn bonus miles through monthly, quarterly, and annual milestone spends.
Pros/Cons
Pros
- The card offers a competitive 1% Forex markup fee on international transactions, making it significantly cheaper than the industry standard, which generally lies between 3.5% and 4% fees. It could be a fantastic opportunity for job-seekers and business owners who travel to the Middle East, including Abu Dhabi, more frequently from India.
- BOBCARD Etihad Guest Card holders can fast-track their complimentary Etihad Silver tier status if they make their first transaction within 6 months; this too comes without a minimum threshold requirement.
Cons
- Miles can be redeemed only on the Etihad Guest platform, limiting the flexibility of how earned miles are used.
Welcome Benefits
The welcome benefits of the card include 5,000 Etihad Guest Bonus Miles if you spend ₹25,000 within the first 60 days and pay the joining fees. There is also an additional condition-based perk where you can do one transaction with Etihad and get directly upgraded to the Etihad Silver Tier.
For a limited period, until 31st August 2026, cardholders will be eligible to earn an additional 2,500 bonus miles by applying for the card and meeting the required spending criteria of ₹50,000 within 60 days of card issuance. This means eligible cardholders can earn a total of 7,500 Etihad Guest Miles as a welcome bonus.
Reward Structure
How you earn miles is very straightforward and easy to understand.
- 3 Miles/₹100 spent on Etihad Airways.
- 1 Mile/₹100 spent on every other domestic and cross-border transaction.
This means if you spend ₹10,000 on Etihad Airways, you earn 300 miles. On the contrary, if you spend ₹10,000 on regular purchases, you earn 100 miles.
Milestone Benefits
Bonus milestones with the BOBCARD Etihad Guest Credit Card rewards differed by month, quarter, and year.
- Monthly – Bonus of 250 miles for completing four transactions totaling ₹25,000 (valid once per month).
- Quarterly – 2,000 miles on ₹ 2,00,000 spent (valid once per quarter)
- Annual – It would be 12,000 miles on ₹ 7,50,000 spent (Valid once per year)
- Travel Goal Bonus – Earn 500 miles when you travel twice with Etihad Airways. Valid once per year.
Airport Lounge Access
| International Lounge Access | Domestic Lounge Access |
| 4 International Lounge Visits (Per Year) | 8 Domestic Lounge Visits (Per Year) |
Low Forex Fees
Forex markup charges for this card are lower than those of most cards for international usage. The foreign currency transaction fee for this card is 1% of the transaction amount. Most standard cards available in India typically charge from 2% to 3.5%. In such cases, the 1% forex markup charges can result in significant savings on transactions that also incur the 18% GST applied to all cards.
The fee is applied on top of the base currency exchange rate: it’s that rate plus 1% extra now. If the Forex exchange rate were 2% or 3%, then it could significantly put a burden on pockets.
Bottom Line
Flyers who can actually utilize Etihad’s ecosystem for redemption may find this card to be a potential benefit. International travelers who value a lower forex fee and lounge comfort, including priority check-ins at major airports like Abu Dhabi.
This card could also be handy for spenders who can reach ₹3,00,000 in a year to waive the annual fee. This card is best suited for flyers who choose Etihad and frequently travel to Abu Dhabi, the Middle East, or key stopovers, such as North America and other destinations.
FAQs:
How many welcome miles does the card offer?
The card offers ₹5,000 Etihad Guest Miles as the welcome bonus benefit if you spend ₹25,000 within the first 60 days and pay the joining fee.
How many Guest Miles can I earn with this card?
You earn 3 Etihad Guest miles per ₹ 100 spent on Etihad Airways. You earn 1 Etihad Guest mile for every ₹ 100 spent on all other domestic and international purchases.
Can Etihad guest miles be redeemed for cashback or vouchers?
No. Miles earned through the card can only be redeemed on the Etihad Guest platform for flights and travel-related rewards.
Does the card offer airport lounge access?
Yes. The card provides up to 8 domestic lounge visits (2 per quarter) and up to 4 international lounge visits (1 per quarter) every year.
What are the foreign currency markup charges on this card?
The card charges a 1% foreign currency markup on international transactions, which is comparatively lower than other travel cards.