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Etihad Guest Credit Card

Earn Etihad Guest Miles Everywhere: Earn 3 Miles per ₹100 on Etihad Airways spends and 1 Mile per ₹100 on other domestic & cross-border spends.Welcome Bonus: Earn extra 7,500* Etihad Guest miles on meeting spend criteria and enjoy complimentary Etihad Guest Silver Tier.

Cashback / reward formThe official BOBCARD Etihad Guest page publishes Etihad Guest Miles rather than a statement-cashback programme: 3 miles per ₹100 on Etihad Airways spends and 1 mile per ₹100 on other domestic and cross-border spends. No cash-conversion rate is published on the reviewed page.Rewards3 Etihad Guest Miles per ₹100 on Etihad Airways; 1 Mile per ₹100 on other domestic and cross-border spends.Offers and promotional benefits7,500 welcome Etihad Guest Bonus Miles: 5,000 joining miles after ₹25,000 spend in the first 60 days and 2,500 spend-based miles after cumulative ₹50,000 spend.
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Quick eligibility check

Etihad Guest Credit Card

0 of 8 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Are you an Indian resident?

Published source: Eligibility

2Are you aged 21 to 65?

Published source: Eligibility

3Does your annual income meet this requirement: Minimum annual income of ₹6 lakh for the Base Variant?

Published source: Minimum income

4Do you meet this requirement: BOBCARD may request additional variant-specific evidence?

Published source: Required documents

5Document checkDo you have this required document or proof: Recent passport-size photograph?

Published source: Required documents

6Document checkDo you have this required document or proof: PAN card (mandatory)?

Published source: Required documents

7Document checkDo you have at least one of these required documents: Address proof: Aadhaar, voter ID, passport or driving licence?

Published source: Required documents

8Document checkDo you have this required document or proof: Salaried: bank statement showing salary credit for the last 2 months and salary slips as specified?

Published source: Required documents
0 of 8 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 30 Aug 2026 · active
BOBCARD Etihad Guest Credit Card official card artwork
Offered byBank of Baroda

India; issuance is subject to LIMITED approval and the product-specific criteria

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

IssuerBOBCARD LIMITEDView source
Checked against the current official issuer catalogue and controlling terms.
Source
Issuer
Page / section
Issuer
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
Interest-free credit period20 to 50 days when there is no previous outstandingEffective 5 May 2026View source
Checked against the current official issuer catalogue and controlling terms.
Source
Key Fact Statement / current product revision
Page / section
Interest-free period
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
Minimum amount due100% of fees, charges, finance charges, GST and EMI amount, plus 2% of retail spends and cash advances, or ₹200, whichever is higher; over-limit amount applies when higherEffective 5 May 2026View source
Checked against the current official issuer catalogue and controlling terms.
Source
Key Fact Statement / current product revision
Page / section
Tariff of charges
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
Cash-withdrawal charge2.5% of the amount withdrawn or ₹500, whichever is higherEffective 5 May 2026View source
Checked against the current official issuer catalogue and controlling terms.
Source
Key Fact Statement / current product revision
Page / section
Tariff of charges
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
Late-payment chargeNil below ₹100; ₹100 for ₹100–₹500; ₹400 for ₹501–₹1,000; ₹750 for ₹1,001–₹10,000; ₹950 for ₹10,001–₹25,000; ₹1,100 for ₹25,001–₹50,000; ₹1,300 above ₹50,000Effective 5 May 2026View source
Checked against the current official issuer catalogue and controlling terms.
Source
Key Fact Statement / current product revision
Page / section
Tariff of charges
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
Rent-payment processing fee1% of the transaction amount for rent-payment MCC 6513Effective 5 May 2026View source
Checked against the current official issuer catalogue and controlling terms.
Source
Key Fact Statement / current product revision
Page / section
Tariff of charges
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
Wallet-loading processing fee1% on wallet-loading MCCs 6539, 6540, 6541 and 6542; wallet loading is not allowed on Micro EnterpriseEffective 5 May 2026View source
Checked against the current official issuer catalogue and controlling terms.
Source
Key Fact Statement / current product revision
Page / section
Tariff of charges
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
High-value utility-payment fee1%, capped at ₹3,000 per transaction, when an MCC 4900 utility transaction is ₹50,000 or higherEffective 5 May 2026View source
Checked against the current official issuer catalogue and controlling terms.
Source
Key Fact Statement / current product revision
Page / section
Tariff of charges
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
High-value fuel-payment fee1% when a listed fuel-MCC transaction is ₹10,000 or higher; not applicable to HPCL ENERGIE BOBCARDEffective 5 May 2026View source
Checked against the current official issuer catalogue and controlling terms.
Source
Key Fact Statement / current product revision
Page / section
Tariff of charges
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
Over-limit charge2.5% of the amount above the sanctioned credit limit or ₹600, whichever is higherEffective 5 May 2026View source
Checked against the current official issuer catalogue and controlling terms.
Source
Key Fact Statement / current product revision
Page / section
Tariff of charges
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
Cash-payment processing fee₹250 for every cash paymentEffective 5 May 2026View source
Checked against the current official issuer catalogue and controlling terms.
Source
Key Fact Statement / current product revision
Page / section
Tariff of charges
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
Cheque-payment processing fee₹100 for every cheque paymentEffective 5 May 2026View source
Checked against the current official issuer catalogue and controlling terms.
Source
Key Fact Statement / current product revision
Page / section
Tariff of charges
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
Cheque-return / auto-debit bounce charge2% of the payment amount, subject to a minimum of ₹500Effective 5 May 2026View source
Checked against the current official issuer catalogue and controlling terms.
Source
Key Fact Statement / current product revision
Page / section
Tariff of charges
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
Card-replacement charge₹100 per cardEffective 5 May 2026View source
Checked against the current official issuer catalogue and controlling terms.
Source
Key Fact Statement / current product revision
Page / section
Tariff of charges
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
Charge-slip retrieval charge₹250 per charge slipEffective 5 May 2026View source
Checked against the current official issuer catalogue and controlling terms.
Source
Key Fact Statement / current product revision
Page / section
Tariff of charges
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
Duplicate-bill charge₹25 per billEffective 5 May 2026View source
Checked against the current official issuer catalogue and controlling terms.
Source
Key Fact Statement / current product revision
Page / section
Tariff of charges
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
GST on charges18% on fees, interest and other chargesEffective 5 May 2026View source
Checked against the current official issuer catalogue and controlling terms.
Source
Key Fact Statement / current product revision
Page / section
Tariff of charges
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
Published card benefitsAirport Lounge Access: 8 domestic + 4 international complimentary lounge visits per year. Milestone Bonuses: Get additional bonus miles on monthly, quarterly & annual spends.; Low Forex Mark-up: 1% forex mark-up on overseas transactions, making international travel spends more cost-effective. Bonus 7500 Welcome Miles Offer - Valid till 31st August, 2026View source
Checked against the current official issuer catalogue and controlling terms.
Source
Published card benefits
Page / section
Current card catalogue
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
Annual / renewal fee₹2,500 + GSTView source
Checked against the current official issuer catalogue and controlling terms.
Source
Annual / renewal fee
Page / section
Fees and charges
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
Annual-fee waiverAnnual fee waived on anniversary-year spends of ₹3,00,000View source
Checked against the current official issuer catalogue and controlling terms.
Source
Annual-fee waiver
Page / section
Fees and charges
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
Foreign-currency markup1%View source
Checked against the current official issuer catalogue and controlling terms.
Source
Foreign-currency markup
Page / section
Travel / foreign-currency benefit
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
Airport lounge access8 domestic and 4 international airport lounge visits.View source
The official lounge catalogue lists ETIHAD Guest with 8 domestic and 4 international lounge access visits.
Source
airport lounge access catalogue
Page / section
Airport lounge benefit table
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Annual finance charge45% per annumEffective 5 May 2026View source
The states 3.75% per month, or 45% per annum, for all other credit cards; ETERNA and TIARA have a separate 3.25% tier and Micro Enterprise is 1.5%.
Source
Key Fact Statement — 5 May 2026
Page / section
Finance charges
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Monthly finance charge3.75% per monthEffective 5 May 2026View source
The states 3.75% per month, or 45% per annum, for all other credit cards; ETERNA and TIARA have a separate 3.25% tier and Micro Enterprise is 1.5%.
Source
Key Fact Statement — 5 May 2026
Page / section
Finance charges
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Rewards3 Etihad Guest Miles per ₹100 on Etihad Airways; 1 Mile per ₹100 on other domestic and cross-border spends.View source
The official product page states 3 Miles per ₹100 on Etihad Airways and 1 Mile per ₹100 on other domestic and cross-border spends.
Source
Etihad Guest Credit Card
Page / section
Earn Miles Everywhere
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Offers and promotional benefits7,500 welcome Etihad Guest Bonus Miles: 5,000 joining miles after ₹25,000 spend in the first 60 days and 2,500 spend-based miles after cumulative ₹50,000 spend.View source
The page states 7,500 extra bonus miles: 5,000 joining miles on ₹25,000 spend in the first 60 days and 2,500 spend-based miles on cumulative ₹50,000 spend.
Source
Etihad Guest Credit Card
Page / section
Extra Welcome Miles
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
EligibilityIndian resident; primary age 21–65; income proof; issuer approval.View source
Indian resident; primary age 21–65; income proof; issuer approval.
Source
Etihad Guest Credit Card — official eligibility and network details
Page / section
Application guidelines / card network
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
Minimum incomeMinimum annual income of ₹6 lakh for the Base Variant.Effective 28 Aug 2026View source
A minimum annual income of ₹6 lakh per annum is required to qualify for the Base Variant; applications below this threshold will not be processed.
Source
Etihad Guest Credit Card
Page / section
Frequently asked questions — eligibility
Accessed
28 Aug 2026
Confidence
high
Open official source ↗
Card networkMastercard (Visa variant announced as forthcoming)Effective 28 Aug 2026View source
It currently runs on the Mastercard network, with a Visa variant on the way soon.
Source
Etihad Guest Credit Card
Page / section
Frequently asked questions — payment network
Accessed
28 Aug 2026
Confidence
high
Open official source ↗
Cashback / reward formThe official BOBCARD Etihad Guest page publishes Etihad Guest Miles rather than a statement-cashback programme: 3 miles per ₹100 on Etihad Airways spends and 1 mile per ₹100 on other domestic and cross-border spends. No cash-conversion rate is published on the reviewed page.View source
The current official page describes the earn programme in Etihad Guest Miles and does not state a statement-cashback or cash-conversion value.
Source
Etihad Guest Credit Card — official product page
Page / section
Etihad Guest Miles / benefits
Accessed
28 Aug 2026
Confidence
high
Open official source ↗
Required documentsCommon BOBCARD application evidence: recent passport-size photograph; PAN card; address proof such as Aadhaar (both sides), voter ID, passport or driving licence; salaried applicants provide a bank statement showing salary credit for the last 2 months, with salary slips accompanied by the statement; self-employed applicants provide a PDF bank statement reflecting business transactions for the last 3 months. BOBCARD may request additional variant-specific evidence.View source
The official guidance lists a recent photograph and as mandatory, Aadhaar/voter /passport/driving licence as address-proof examples, two months of salary-credit statements for salaried applicants and a bank statement covering the last three months of business transactions for self-employed applicants.
Source
— official application guidance and documentation
Page / section
Documentation for — Mandatory Proof, Address Proof and Income Proof
Accessed
13 Sept 2026
Confidence
high
Open official source ↗

Benefits and features

  • Airport Lounge Access: 8 domestic + 4 international complimentary lounge visits per year. Milestone Bonuses: Get additional bonus miles on monthly, quarterly & annual spends.
  • Low Forex Mark-up: 1% forex mark-up on overseas transactions, making international travel spends more cost-effective. Bonus 7500 Welcome Miles Offer - Valid till 31st August, 2026

Eligibility

  • Indian resident
  • primary age 21–65
  • income proof
  • issuer approval.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

  • Recent passport-size photograph
  • card (mandatory)
  • Address proof: Aadhaar, voter , passport or driving licence
  • Salaried: bank statement showing salary credit for the last 2 months and salary slips as specified
  • Self-employed: bank statement reflecting business transactions for the last 3 months; may request additional evidence

Related official documents

BOBCARD generic Most Important Terms and Conditions — March 2024official-terms · historical-reference · accessed 26 Aug 2026
↗
BOBCARD Key Fact Statementkey-fact-statement · current-with-later-product-revision · accessed 15 Aug 2026
↗
Revision in BOBCARD Product Features / Benefits effective 15 July 2026product-revision · current · accessed 25 Sept 2026
↗
BOBCARD — official application guidance and documentationofficial-application-page · current · accessed 13 Sept 2026
↗

Plan before applying

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Credit-card interest estimate

See roughly how much interest may be added if part of the card bill remains unpaid for one month.

Interest added for one month₹1,875one thousand eight hundred seventy-five rupees
Balance after that interest₹51,875fifty-one thousand eight hundred seventy-five rupees
Monthly rate × 1245%

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

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Interest-free period · Published amount or condition20 to 50 days when there is no previous outstanding; not applicable when prior balance is not cleared in full or cash is withdrawn

This value is copied from Generic tariff and finance charges — March 2024. Check the table notes before relying on it.

Source: generic Most Important Terms and Conditions — March 2024 · Pages 1–4 — tariff, billing, insurance, rewards and support Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 19 rows · 2 columnsGeneric BOBCARD tariff and finance charges — March 2024Dated common tariff from the official generic MITC; current 2026 sources control where they differ.View tableHide table

Scroll sideways to view every column

Generic BOBCARD tariff and finance charges — March 2024
Charge / featurePublished amount or condition
Interest-free period20 to 50 days when there is no previous outstanding; not applicable when prior balance is not cleared in full or cash is withdrawn
Minimum amount due5% of outstanding balance or ₹200, whichever is higher; may vary for irregular payments
Cash withdrawal2.5% of amount withdrawn or ₹500, whichever is higher; cash withdrawal unavailable for Unnati co-brand
Finance chargesUnnati 1.50% monthly / 18% p.a.; Eterna, Prime, Varunah Plus, Varunah, Premium, Yoddha, The Sentinel, Vikram, Rakshamah and Empower Business 3.25% monthly / 39% p.a.; Premier, Corporate, Signature, Assure and PayTM 3.49% monthly / 41.88% p.a.; all other cards 3.6% monthly / 43.2% p.a. in this dated
Duplicate bill₹25 per bill
Fuel surcharge waiver: 1% waived on ₹500–₹3,000, capped ₹100/statement; Varunah base: 1% waived on ₹400–₹5,000, capped ₹100; : same range at stations, capped ₹100; other cards: ₹400–₹5,000, capped ₹250; component is not reversed and eligible fuel transactions do not earn reward points
Cheque return / auto-debit bounce2% of payment amount, minimum ₹500
Cash / cheque payment₹250 per cash payment; ₹100 per cheque payment
18% on fees, interest and other charges under the dated government rate cited in the document
Over-limit2.5% of amount above sanctioned limit or ₹600, whichever is higher
Card replacement₹100 per card
Charge-slip retrieval₹250 per charge slip
Foreign currency transaction feeEterna, Varunah Premium, , and 2%; Varunah Plus 2.5%; Yoddha, The Sentinel, Rakshamah and Vikram 3%; all other cards 3.5%; Unnati not valid for international transactions
Limit enhancementNo fee
Late-payment chargeNil below ₹100; ₹100 for ₹100–₹500; ₹400 for ₹501–₹1,000; ₹750 for ₹1,001–₹10,000; ₹950 for ₹10,001–₹25,000; ₹1,100 for ₹25,001–₹50,000; ₹1,300 above ₹50,000
Rent-payment processing1% of total transaction amount for 6513
Contactless transactionTransactions of ₹5,000 or less can be made by tap without signature or , subject to the dated terms
Billing dispute windowStatement discrepancies should be raised within 15 days of statement generation or 45 days of transaction; later disputes are at discretion
Reward-point lapseReward points lapse on closure, , dues overdue more than 90 days, settlement, fraud after investigation, death, no use for more than 365 days, or certain blocked/replacement-card situations
  • This table is intentionally dated. It is a historical reference and must not override the current , July 2026 revision or current product page.
generic Most Important Terms and Conditions — March 2024 · Pages 1–4 — tariff, billing, insurance, rewards and support · effective 21 Mar 2024 · accessed 26 Aug 2026Open official source ↗

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