BOBCARD Etihad Guest Premium Credit Card
- Updated On: 26 May, 2026
Etihad is a well-known airline brand in India, especially among travelers who frequently fly to the Middle East, particularly the UAE. Etihad Airways is one of the largest airlines in the UAE, second only to Emirates.
Earlier, co-branded Etihad credit cards were offered in partnership with SBI Card, but those cards have since been discontinued. Currently, BOBCARD offers two co-branded airline credit cards with Etihad – Etihad Guest and Etihad Guest Premium. These cards are best suited for travelers who fly frequently with Etihad, prefer earning miles, and want to be part of the Etihad Guest ecosystem. With Etihad serving a wide network of international routes, these cards can offer good value to loyal flyers of the airline.
The BOBCARD Etihad Guest Premium Credit Card comes with a joining and annual fee of ₹5,000 + GST. Cardholders can earn a welcome bonus of 10,000 Etihad Guest Miles along with tier upgrade benefits upon availing the card. Upon making the first transaction on the card, cardholders will receive Silver Tier membership in the Etihad Guest program. Additionally, on making the first transaction with Etihad Airways, users will be upgraded to Gold Tier status, unlocking several valuable travel benefits for frequent Etihad flyers.
From complimentary airport lounge access to milestone-based rewards, this card is best suited for travelers looking to accumulate Etihad Guest Miles.
BOBCARD Etihad Guest Premium Credit Card
( 4.7 / 5 )
- Joining Fee
- Annual Fee
- Best Suited For
- Reward Type
Rewards Rate
6 Miles/₹100 on Etihad Airways and 2 Miles/₹100 on All Other Domestic and Cross-Border Spends
Welcome Benefits
10,000 + 5,000 (LIMITED TIME OFFER) Etihad Guest Bonus Miles on Spending ₹50,000 Within 60 Days, Silver Tier Status on First Transaction, and Upgrade to Gold Tier After an Etihad Transaction Within 6 Months
Rewards and Benefits
Movie & Dining
N/A
Rewards Rate
6 Miles/₹100 on Etihad Airways and 2 Miles/₹100 on All Other Domestic and Cross-Border Spends
Reward Redemption
Redeem Miles With Etihad
Travel
N/A
Domestic Lounge Access
12 Complimentary Lounge Visits Per Year (3 Per Quarter)
International Lounge Access
8 Complimentary Lounge Visits Per Year (2 Per Quarter)
Golf
N/A
Insurance Benefits
N/A
Fees & Charges
Spend-Based Waiver
Annual Fee Waiver on Spends of ₹5 Lakh or More
Rewards Redemption Fee
N/A
Foreign Currency Markup
0%
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
- Silver tier status on first card transaction and Gold tier upgrade after an Etihad website transaction.
- Earn 6 Etihad Guest Miles per ₹100 spent on Etihad Airways and 2 Miles per ₹100 on other eligible spends.
- Zero forex markup on international transactions, helping reduce overseas travel costs
- Up to 20 complimentary airport lounge visits per year across domestic and international lounges.
- Multiple milestone bonuses offering up to 29,500 bonus miles annually on meeting spend conditions.
- Ideal for frequent Etihad flyers looking to earn miles and enjoy airline-linked benefits.
Pros/Cons
Pros
- With multiple milestone rewards and attractive welcome benefits, this card is best suited for travelers who frequently fly with Etihad. After the discontinuation of SBI’s Etihad co-branded cards, this remains one of the few viable options available for Etihad loyalists in India.
- There are no add-on card charges with this card, allowing users to easily get supplementary cards for spouses, siblings, and parents. These add-on members will also receive the premium metal credit card at no additional cost.
Cons
- The card has a relatively high joining and renewal fee of ₹5,000 + GST, which may not be worth it for people who don’t travel often with Etihad or don’t spend enough to unlock the milestone rewards.
- The card could have offered a few accelerated spending categories to encourage higher usage. Currently, only spends made with Etihad Airways are eligible for accelerated mile earnings.
10,000 + 5,000 Bonus Miles Joining Benefit
The BOBCARD Etihad Guest Premium Credit Card comes with a joining fee of ₹5,000 + GST. Once the joining fee is paid and the cardholder spends ₹25,000 within the first 60 days of card issuance, they become eligible for a welcome bonus of 10,000 Etihad Guest Miles.
For a limited period, until 30th June 2026, cardholders will be eligible to earn an additional 5,000 bonus miles by applying for the card and meeting the required cumulative spending of ₹50,000. This means eligible cardholders can earn a total of 15,000 Etihad Guest Miles as a welcome bonus.
Complimentary Etihad Tier Upgrades
Fast Track to Silver Tier
The primary cardholder will be upgraded to Etihad Guest Silver Tier automatically after completing the first transaction on the card. Normally, Silver Tier requires 25,000 Tier Miles, including 10,000 Tier Miles from flying, but this card offers the status free for one year upon making the first transaction.
Core Benefits of Silver Tier:
- 25% Bonus Miles
- Dedicated Check-in at Abu Dhabi Airport
- 30% Discount on AWNIC Insurance
- Free Onboard Wi-Fi Chat
- Tier Buy Back Option with 75,000 Miles
- Guaranteed Economy Seat up to 48 Hours Before Departure
Custom Benefits of Silver Tier:
Apart from the core benefits, cardholders can also choose any two custom benefits from the options below:
- Business Lounge Access for Self at Abu Dhabi
- Complimentary Standard Economy Seat Selection
- Up to 10% Discount on Extra Baggage
- 2 Reward Shop Vouchers
Fast Track to Gold Tier
The primary cardholder of the premium variant will be upgraded to Etihad Guest Gold Tier after completing the first transaction on the official Etihad website. This fast-track benefit is available only to the primary cardholder and does not apply to add-on cardholders.
Core Benefits of Gold Tier:
- 50% Bonus Miles
- Exclusive Discounts
- Priority Boarding
- Standard Seat Selection for Self + 1 Guest
- Guaranteed Economy Seat up to 48 Hours Before Departure
- Priority Baggage Handling
- Free Onboard Wi-Fi Chat + 25% Off Surfing Plans
- Priority Business Class Check-in
- Fast-Track Immigration
- Dedicated Contact Centre
- Tier Buy Back Option with 150,000 Miles
- Avis Budget Tier Match
Custom Benefits of Gold Tier:
Cardholders can select any 4 custom benefits from the options below:
- Etihad Chauffeur for Business Promo Seat Fare
- 2 Etihad Chauffeur Services for Economy Comfort/Deluxe Fares
- 2 Home Check-in Services in Abu Dhabi
- 2 Complimentary Ticket Refunds on Promo Seat Fare
- Business Lounge Access for Self + 1 Guest
- 4 Reward Shop Vouchers
- Excess Baggage Benefit of up to 15 Kgs on Eligible Fares
Earn Etihad Guest Miles
With every swipe, the BOBCARD Etihad Guest Premium Credit Card helps you earn miles towards your next Etihad journey.
- Earn 6 Etihad Guest Miles for every ₹100 spent on Etihad Airways.
- Earn 2 Etihad Guest Miles for every ₹100 spent on all other domestic and cross-border transactions.
- The validity of Etihad Guest Miles depends on the cardholder’s Etihad Guest tier status. Miles earned through the card can be redeemed exclusively on the Etihad platform, starting three days after the monthly statement is generated.
No Miles on Select Categories
Etihad Guest Miles will not be awarded on spends made towards agriculture-related payments, contractor services, passenger transportation services, telecom bills, rent payments, cleaning and maintenance services, personal services such as salons and legal services, government transactions, education fees, hospital expenses, wallet loads, supermarket and retail store purchases, insurance payments, charitable donations, and fast-food restaurants.
Zero Forex Charges
This airline co-branded credit card comes with zero forex markup, which means cardholders are not charged any additional fees on international transactions. This is a highly useful benefit, as most credit cards levy a forex markup on overseas spends. For frequent international travelers, zero forex charges can make a significant difference to overall travel costs.
Milestone Benefits
There are plenty of milestone benefits available with the BOBCARD Etihad Guest Premium Credit Card. This benefit is extremely useful for all those with high spends.
| Milestone | Spend/Condition | Benefits |
| Monthly Bonus | Any 4 Transactions Totaling ₹50,000 in a Month | 500 Miles |
| Quarterly Bonus | Spend ₹3,00,000 in a Quarter | 4,000 Miles |
| Annual Bonus | Spend ₹12,00,000 in a Year | 24,000 Miles |
| Travel Goal Bonus | Fly Twice in a Year with Etihad | 1,000 Miles |
Keep in Mind – The monthly, quarterly, and annual milestone benefits on the BOBCARD Etihad Guest and Etihad Guest Premium Credit Cards are applicable only once during each respective period. The bonus miles awarded for flying twice in a year with Etihad can be earned only once per year.
Airport Lounge Access
Cardholders can enjoy 12 complimentary domestic lounge visits per year (3 per quarter) and 8 complimentary international lounge visits per year (2 per quarter). What makes this benefit even more valuable is that there are no spend-based conditions attached to lounge access. Unlike many travel credit cards today that require minimum spending to unlock lounge visits, this card offers lounge access outright, making it a hassle-free benefit for frequent travelers.
International Lounge Access can be availed through DreamFolks.
Final Thoughts
With airport lounge access, complimentary tier upgrades, zero forex charges, and accelerated miles earning on Etihad Airways, the BOBCARD Etihad Guest Premium Credit Card offers a well-rounded travel experience. It is an ideal choice for frequent Etihad flyers who want to earn miles along with added privileges every time they travel.
With straightforward rewards, strong travel benefits, no extra charges on international spends, and multiple milestone rewards, this airline co-branded credit card delivers solid value for loyal Etihad travelers.
FAQs:
How much do I need to spend for airport lounge access with the BOBCARD Etihad Guest Premium Credit Card?
This card offers free airport lounge access at domestic and international airports without having to meet any spend-based criteria.
What welcome benefits do I get with the BOBCARD Etihad Guest Premium Credit Card?
On paying the joining fee and spending ₹25,000 within the first 60 days, cardholders earn 5,000 Etihad Guest Bonus Miles. In addition, the primary cardholder gets complimentary Silver Tier status on the first card transaction and is upgraded to Gold Tier after completing the first transaction on Etihad.com within 6 months.
Are there any charges for add-on cards with the BOBCARD Etihad Guest Premium Credit Card?
No. The bank does not levy any additional charges for issuing add-on cards with this credit card.