Bank of Baroda
BOB Etihad Guest Credit Card
This is an invite only card
Apply and get ₹700 Rewards
Top Benefits
Earn 3x Miles On Etihad per
₹100 spent on Etihad Airways bookings
Get Double Welcome Miles on spending ₹10,000
within 60 days and paying the joining fee for 2,500 + 2,500 bonus miles
Best For
Travel
The BOB Etihad Guest Credit Card stands out as a powerful travel companion for frequent flyers to the M...
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The BOB Etihad Guest Credit Card stands out as a powerful travel companion for frequent flyers to the M...
The BOB Etihad Guest Credit Card stands out as a powerful travel companion for frequent flyers to the Middle East and beyond. Co-branded with Etihad Airways, this Mastercard offers a direct path to earning Etihad Guest Miles on your daily expenses. If you frequently travel internationally or prefer booking your holidays with Etihad Airways, this card turns your routine grocery hauls and online shopping into discounted flight tickets.
Unlike generic travel cards that force you to navigate complicated reward conversion ratios, this card auto-credits your earned miles directly to your Etihad Guest account. You earn an aggressive 3 Miles for every Rs. 100 spent directly on Etihad Airways, and 1 Mile per Rs. 100 on standard retail spends. With a straightforward joining fee of Rs. 2,500 and robust milestone bonuses, you can accumulate up to 14,000 bonus miles annually just by meeting spend targets. It serves best for mid-to-high income earners who want premium travel perks, such as international lounge access, without paying an exorbitant super-premium annual fee.
View FAQ
Commonly Asked Questions
Is the BOB Etihad Guest Credit Card lifetime free?
No, this card is not lifetime free. It comes with a joining fee of Rs. 2,500 and an annual renewal fee of Rs. 2,500. However, you can get the annual fee waived by spending Rs. 3 lakh in a year.
Who should apply for this credit card?
This card is perfect for frequent international travelers, particularly those who prefer flying with Etihad Airways. If you spend around Rs. 25,000 to Rs. 30,000 monthly on your card, you can easily hit the fee waiver milestone and rack up significant air miles.
What makes this card different from other travel cards?
Instead of generic bank points, you earn Etihad Guest Miles directly. The card also features a 1 percent forex markup benefit on international spends, which is significantly lower than the industry standard of 3.5 percent.
Is this a good first credit card?
It might be slightly advanced for a first credit card due to the Rs. 2,500 fee and travel-specific rewards. Beginners start with cashback cards, but if you meet the Rs. 25,000 monthly income requirement and travel often, it is a solid choice.
Expert Review
In my experience analyzing travel credit cards, the BOB Etihad Guest Credit Card strikes a rare balance between an affordable fee structure and premium airline benefits. I highly appreciate the auto-crediting of Etihad Guest Miles; it removes the headache of manually tracking and converting bank points. The 1 percent forex markup is a massive win, usually reserved for super-premium cards costing upwards of Rs. 10,000 annually. Getting that at a Rs. 2,500 price point makes this card incredibly valuable for frequent overseas travelers.
However, it is not flawless. My biggest criticism is the rigid exclusion list. The fact that you earn absolutely zero rewards on utilities, rent, and government payments severely limits your everyday earning potential. Furthermore, charging a 1 percent fee on rent payments feels punitive. The card forces you to use it primarily for retail and travel, ignoring major monthly household expenses. Ultimately, if Etihad is your airline of choice and you travel internationally at least once a year, this card pays for itself. If you are a domestic traveler looking for all-around lifestyle benefits, you will find better value elsewhere.
Joining / Annual Fee
Joining Fees
₹2,950 ( ₹2500 + GST )
Annual Fees
₹2,950 ( ₹2500 + GST )
Premium travel cards often carry heavy price tags, but the BOB Etihad Guest Credit Card keeps things re...
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Premium travel cards often carry heavy price tags, but the BOB Etihad Guest Credit Card keeps things re...
Premium travel cards often carry heavy price tags, but the BOB Etihad Guest Credit Card keeps things relatively reasonable. The one-time joining fee is set at Rs. 2,500 plus applicable GST. Currently, there is no direct joining fee offset mechanism like a cash waiver, but the welcome bonus of 5,000 Etihad Miles (worth roughly Rs. 4,000) more than compensates for this initial out-of-pocket expense.
From the second year onwards, you are charged an annual renewal fee of Rs. 2,500 plus GST. However, the bank provides a clear path to get this fee completely waived. The annual fee is waived if you spend Rs. 3 Lakh or more in a year on your card. To hit this target, you need to spend an average of Rs. 25,000 per month. If you channel your groceries, dining, online shopping, and travel bookings through this card, crossing the Rs. 3 Lakh threshold is quite achievable for a standard household.
View FAQ
Commonly Asked Questions
What are the joining fees for this card?
The one-time joining fee is Rs. 2,500 plus applicable taxes. This is charged in your first billing statement.
Is there a welcome bonus to offset the joining fee?
Yes, while there is no direct cash offset, you earn 5,000 welcome miles if you spend Rs. 10,000 in the first 60 days. These miles hold enough travel value to cover the fee.
What is the annual or renewal fee?
From the second year onwards, the card carries an annual renewal fee of Rs. 2,500 plus applicable taxes.
Is there an annual fee waiver option?
Yes, you can get the Rs. 2,500 annual fee waived entirely if you meet the specific spending requirement during your anniversary year.
What is the spending requirement for the annual fee waiver?
The annual fee is waived if your total card spends reach Rs. 3 Lakhs or more within the year. This requires an average monthly spend of Rs. 25,000.
Do EMI transactions count toward the fee waiver target?
EMI transactions contribute toward your total annual spend of Rs. 3 Lakhs required for the fee waiver. Your statement will reflect these spends toward the milestone target.
What happens if I spend Rs. 2.9 Lakhs in a year?
If you fall short of the Rs. 3 Lakhs threshold, even by a small margin, the full Rs. 2,500 fee plus GST will be charged to your card account on your renewal date.
How can I get this card lifetime free?
The card currently follows a paid structure of Rs. 2,500. Lifetime free offers are exclusive to corporate tie-ups or ultra-high-net-worth salary accounts.
Eligibility
Age
Criteria*
21-60 years
Salary
Criteria*
3LPA
Credit
Rating*
720+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
No
Getting approved for the BOB Etihad Guest Credit Card requires meeting specific age, income, and credit...
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Getting approved for the BOB Etihad Guest Credit Card requires meeting specific age, income, and credit...
Getting approved for the BOB Etihad Guest Credit Card requires meeting specific age, income, and credit score thresholds. The bank maintains strict guidelines to ensure applicants have the financial capacity to manage a premium travel card. The primary applicant must be between 21 and 60 years of age. This applies to both salaried employees and self-employed professionals.
The minimum income requirement is set at an accessible level. Both salaried and self-employed individuals need to show a monthly income of at least Rs. 25,000. Annually, this translates to Rs. 3 Lakhs. That means a Rs. 30,000 monthly salary qualifies you easily, which most mid-level professionals can comfortably meet. Your credit history also plays a vital role. The bank requires a minimum CRIF score of 720. If your credit score is below 720, your application might face rejection, even if you meet the income requirements.
View FAQ
Commonly Asked Questions
What is the minimum age to apply for this card?
The primary cardholder must be at least 21 years old to be eligible for this card.
What is the maximum age limit for the primary cardholder?
The upper age limit for eligibility is 60 years at the time of application.
What is the minimum salary required for salaried applicants?
Salaried individuals need a minimum monthly income of Rs. 25,000 to qualify. That breaks down to an annual income requirement of Rs. 3 Lakhs.
What is the minimum annual income for self-employed applicants?
Self-employed professionals and business owners must demonstrate an annual income of at least Rs. 3 Lakhs, which averages out to Rs. 25,000 per month.
Can self-employed individuals apply for this card?
Yes, both salaried and self-employed individuals are fully eligible to apply for this card, provided they meet the age and income criteria.
What credit score is needed for approval?
A minimum CRIF credit score of 720 is required for smooth approval. Maintaining a clean repayment history is crucial.
Will my application be rejected if my credit score is below 720?
While a score below 720 significantly increases rejection chances, the bank evaluates your overall profile including your income stability. It is best to improve your score before applying.
Can I apply if I have no credit history?
Without a credit history, generating a 720 CRIF score is impossible. Beginners should look for entry-level or secured cards before applying for this travel card.
Do I need to have an existing account with Bank of Baroda?
Having a savings account with Bank of Baroda is not strictly mandatory, but an existing relationship can sometimes speed up the verification and approval process.
Can I check my eligibility without affecting my credit score?
Yes, preliminary eligibility checks on partner platforms use soft inquiries. Only the final submission to the bank triggers a hard inquiry on your credit report.
All Card Benefits
- Add to Google Pay for QR-based rewards
- 1% forex markup on international spends
- Earn 3 Miles per ₹100 on Etihad Airways
- Earn 1 Mile per ₹100 on other spends
- Monthly bonus: 250 Miles on 4 transactions totaling ₹25,000 (once/month)
- Quarterly bonus: 2,000 Miles on ₹2 Lakhs spend (once/quarter)
- Annual bonus: 12,000 Miles on ₹7.5 Lakhs spend (once/year)
- Travel goal bonus: 500 Miles for flying twice a year with Etihad
Welcome Benefits
The card greets you with a generous welcome package that easily covers the cost of ...
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Welcome Benefits The card greets you with a generous welcome package that easily covers the cost of ...
Welcome Benefits
The card greets you with a generous welcome package that easily covers the cost of your initial joining fee. Once you pay the Rs. 2,500 joining fee and spend Rs. 10,000 within the first 60 days of card issuance, you receive 2,500 base bonus miles plus an additional 2,500 bonus miles. This gives you a total of 5,000 Etihad Guest Miles to kickstart your travel fund. Additionally, you get a complimentary Etihad Guest Silver Tier status upon completing your first transaction within 6 months. For example, if you activate the card and immediately use it to buy Rs. 10,000 worth of household appliances, you unlock both the 5,000 miles and your elite Silver tier status.
Reward Points Structure
This card offers a multi-layered reward program focused heavily on milestone achievements. On core spending, you earn 3 Miles per Rs. 100 spent directly on Etihad Airways. For all other eligible retail transactions, you earn 1 Mile per Rs. 100. Where the card truly shines is in its milestone bonuses. If you make 4 transactions totaling Rs. 25,000 in a single month, you get a monthly bonus of 250 Miles. Spend Rs. 2 Lakhs in a quarter, and you earn a 2,000 Miles quarterly bonus. If your annual spends hit Rs. 7.5 Lakhs, you receive a massive 12,000 Miles annual bonus.
Let us look at the math. If you spend Rs. 25,000 every month on general retail, you earn 250 base miles plus the 250 monthly bonus miles, totaling 500 miles a month. Over a year, that translates to 6,000 miles. Each mile holds an approximate redemption value of Rs. 0.80, meaning those 6,000 miles give you Rs. 4,800 in flight value.
Flight and Travel Benefits
Beyond the core reward points, this card offers a specific "Travel Goal Bonus". If you fly twice a year with Etihad Airways using tickets booked on this card, you earn an extra 500 Miles. Additionally, the card features a reduced forex markup of 1 percent on international spends, which is a major advantage. Normally, banks charge 3.5 percent. If you spend Rs. 1,00,000 on a hotel in Dubai, a standard card charges Rs. 3,500 in forex fees. This card drops that fee to just Rs. 1,000, saving you Rs. 2,500 instantly.
Airport Lounge Benefits
Comfort during layovers is essential, and this card delivers on that front. It provides 8 complimentary domestic airport lounge visits per year, capped at 2 visits per quarter. For global travelers, it also offers 4 complimentary international lounge visits per year, capped at 1 visit per quarter. For example, a single international lounge visit usually costs around Rs. 2,500. By using your 4 free visits, you extract Rs. 10,000 in raw value from this single benefit alone.
Fuel Surcharge Waiver
While fuel spends do not earn reward miles, the card does protect you from extra surcharges at the pump. You get a 1 percent fuel surcharge waiver on transactions ranging between Rs. 500 and Rs. 5,000. The maximum waiver is capped at Rs. 250 per statement cycle. For example, if you spend Rs. 4,000 on petrol, the Rs. 40 surcharge is completely waived off your bill.
Bank Offers and Tech Integration
The card allows you to link it to Google Pay, making QR-based payments incredibly easy and rewarding. You also gain access to various discounted deals through BOB Financial partnerships with popular brands. Whether you are dining out or shopping online, these periodic bank offers add extra value beyond the miles program.
View FAQ
Commonly Asked Questions
How do I qualify for the welcome bonus miles?
You must pay the joining fee and make purchases totaling at least Rs. 10,000 within 60 days of card issuance. Once you clear this hurdle, the 5,000 bonus miles will be credited to your account.
When do I get the Etihad Guest Silver Tier status?
The Silver Tier status is activated after you make your very first transaction on the card within 6 months of receiving it. You do not need to hit a specific spend amount for this particular perk.
What is the value of 5,000 welcome miles?
With 1 Reward Point or Mile valued at approximately Rs. 0.80, your 5,000 welcome miles translate to roughly Rs. 4,000 in travel value. This easily covers the Rs. 2,500 joining fee.
Do I get the welcome bonus if my joining fee is waived?
The welcome miles are explicitly tied to paying the joining fee. Welcome bonus miles are not applicable to cards acquired through special lifetime free or zero-joining-fee promotions.
What is the standard reward rate on this card?
You earn 1 Etihad Guest Mile for every Rs. 100 spent on general purchases. When you book flights directly with Etihad Airways, the rate jumps to 3 Miles per Rs. 100 spent.
What is the value of 1 Reward Point or Mile in rupees?
Each Etihad Guest Mile carries an approximate value of Rs. 0.80 when redeemed for travel. This means 1,000 miles equal roughly Rs. 800 in value.
How do I earn the monthly bonus miles?
To earn the 250 monthly bonus miles, you need to make at least 4 transactions that collectively total Rs. 25,000 or more within a single calendar month.
What is the quarterly spending requirement for bonus miles?
You will earn 2,000 bonus miles if your total spending reaches Rs. 2 Lakhs within a single quarter. This is achievable if you use the card for larger expenses like electronics or family travel.
Is there an annual milestone bonus?
Yes, the card rewards high spenders. If your total eligible spends touch Rs. 7.5 Lakhs in a year, you receive a lump sum of 12,000 Etihad Guest Miles.
Do I earn miles on fuel purchases?
No, fuel transactions are excluded from the rewards program. You will not earn any miles when swiping your card at petrol pumps.
Do I earn miles on utility bill payments?
No, utility bills such as electricity, water, and gas payments are excluded from earning miles on this card.
Are rent payments eligible for reward miles?
Rent payments are excluded from the rewards program. Furthermore, you will be charged a 1 percent surcharge fee on any rental transaction.
How can I maximize my miles on this card?
Use the card for all major retail purchases to hit the Rs. 25,000 monthly target for the 250 bonus miles. Also, route all your international flight bookings through Etihad Airways to get the 3X accelerated miles.
Are government payments eligible for rewards?
No, government payments and tax payments are part of the bank exclusions and will not earn any Etihad Guest Miles.
What is the Travel Goal Bonus?
You earn an extra 500 Etihad Guest Miles if you fly with Etihad Airways at least twice within a year. This requires booking the flights with your BOB Etihad Guest card.
Does this card offer a lower foreign exchange fee?
Yes, as a travel benefit, this card offers a reduced 1 percent forex markup on international spends. This is much cheaper than the standard 3.5 percent charged by most banks.
Does the Silver Tier status give me extra baggage?
Etihad Guest Silver Tier provides 25% bonus miles on Etihad flights, waitlist priority, and a 10kg excess baggage allowance on Etihad Airways flights.
Do I get discount vouchers for flights?
While the card does not provide direct discount vouchers, the miles you earn can be redeemed directly for flight bookings, effectively giving you deep discounts.
How many domestic lounge visits do I get?
You receive 8 complimentary domestic lounge visits annually. You can use a maximum of 2 visits in a single quarter.
Does this card offer international lounge access?
Yes, the card provides 4 complimentary international airport lounge visits every year. This is restricted to 1 visit per quarter.
Can my family members use my free lounge visits?
Complimentary lounge access is strictly for the primary cardholder. Guests traveling with you will be charged the standard lounge entry fee.
Are railway lounges included in this card?
No, this card does not offer any complimentary railway lounge benefits. It is strictly focused on airport lounge access.
What is the minimum amount for the fuel surcharge waiver?
To qualify for the 1 percent surcharge waiver, your fuel transaction must be at least Rs. 500. Swipes below this amount will attract the standard surcharge.
What is the maximum fuel surcharge I can save in a month?
The maximum fuel surcharge waiver you can get is Rs. 250 per monthly statement cycle. To hit this cap, you would need to spend Rs. 25,000 on fuel in a month.
Does this waiver apply to all petrol pumps?
Yes, the waiver is applicable across all authorized fuel stations in India, provided the transaction falls within the Rs. 500 to Rs. 5,000 range.
Will I earn miles on my fuel spends?
No, you only get the surcharge waiver. Fuel transactions are explicitly excluded from earning any Etihad Guest Miles.
Can I link this credit card to UPI?
You can link this Mastercard to Google Pay for seamless NFC and online payments; however, standard UPI-to-bank-account linking is restricted to RuPay variants. Use the BOB Financial app for digital card management and transaction tracking.
What kind of brand partnerships does this card have?
BOB Financial regularly partners with lifestyle, dining, and travel brands to offer instant discounts or cashbacks during promotional periods.
Do I earn miles on QR-based payments?
Yes, eligible retail payments made via Google Pay QR will earn the standard rate of 1 Mile per Rs. 100, provided the merchant category is not on the exclusion list.
Milestone Benefits
3000 reward points(Worth ~ ₹0)
Spend ₹25,000 in 30 days
8000 reward points(Worth ~ ₹1,600)
Spend ₹2,00,000 in 90 days
12000 reward points(Worth ~ ₹2,400)
Spend ₹7,50,000 in 365 days
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1RP = ₹0.80
Redemption Options
- Flight
- Hotels
- Vouchers
- Lifestyle Product
To check redemption catalogue
Unlike standard cashback cards that automatically adjust your statement, the BOB Etihad Guest Credit Ca...
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Unlike standard cashback cards that automatically adjust your statement, the BOB Etihad Guest Credit Ca...
Unlike standard cashback cards that automatically adjust your statement, the BOB Etihad Guest Credit Card focuses on a mileage redemption ecosystem. The Etihad Guest Miles you earn are directly credited to your linked Etihad Guest account. This means you do not have to worry about complex point-conversion ratios on the bank's portal. The miles are redeemable strictly according to the rules of the Etihad Guest programme.
For non-flight redemptions, BOB provides a dedicated portal where you can trade your points for hotels, vouchers, or lifestyle products. Each reward point carries an approximate value of Rs. 0.80. For example, if you accumulate 10,000 points, they possess Rs. 8,000 in redemption power. To redeem, you simply log in to the BOB reward portal, browse the catalogue, and select your preferred item. Be aware that a handling fee applies to physical and sometimes digital redemptions.
View FAQ
Commonly Asked Questions
How do I redeem the reward points I have earned?
You can redeem your points by logging into the BOB card online portal. Navigate to the rewards section where you can choose from flights, hotels, vouchers, and lifestyle products.
What is the value I get when I redeem reward points?
Each reward point is valued at approximately Rs. 0.80. If you redeem 5,000 points, you get roughly Rs. 4,000 worth of value toward your chosen reward.
What can I redeem my reward points for?
The redemption options include booking flights and hotels, purchasing gift vouchers, or buying lifestyle products directly from the bank's rewards catalogue.
Is there a fee for redeeming my rewards?
Yes, a handling and courier fee of Rs. 99 is charged every time you initiate a redemption request for your reward points.
Can I convert my miles to hard cash?
No, the terms clearly state that miles and reward points cannot be exchanged for cash. They must be utilized through the approved redemption channels.
Are my miles auto-credited to Etihad?
Yes, the Etihad Guest Miles earned on your card are automatically credited to your linked Etihad Guest account, making it easier to book award flights.
Do my reward points or miles expire?
Etihad Guest Miles remain valid for 18 months and stay active as long as there is at least one earning or redemption activity in your account during that period.
What happens to my unredeemed points if I close the card?
Any points left on the bank's portal are typically forfeited upon card closure. Miles already transferred to your Etihad account remain safe there.
Gift card - Key Terms
Once you apply, we will start tracking your application
Generally takes 2-72 hrs
Once the bank confirms us of your successful card activation, we will process your rewards
Generally takes 7-75 days
You can then withdraw your rewards via Amazon Pay Balance/Flipkart gift cards
Generally takes 7-75 days
Note: If you currently hold or have ever held an Bank of Baroda Credit Card, you are not eligible for CashKaro Rewards.
Rewards Related
- If you currently hold or have ever held an Bank of Baroda Credit Card, you are not eligible for Gift Card
- A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
- Please use Aadhaar linked mobile number to fill the application
- If the distance between your residence and office addresses is 150 km or more, please ensure that your residence is selected as the mailing address. Applications not adhering to this will be rejected
- VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards
Also, Remember
- Resume your application only via Great.Cards to avoid losing Rewards
- If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
- Rewards can only be redeemed as Amazon Pay Balance and Flipkart Gift Card
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Fuel
EMI Transactions
Rent
Government payments
Utility bills
Taxes
For Spends Waiver
Fuel
EMI Transactions
Rent
Government payments
Utility bills
Taxes
To maximize your benefits, you must understand where this card will not work for you. Like most premium...
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To maximize your benefits, you must understand where this card will not work for you. Like most premium...
To maximize your benefits, you must understand where this card will not work for you. Like most premium cards today, the BOB Etihad Guest Credit Card implements strict category exclusions. Spends made on Fuel, EMI Transactions, Rent, Government payments, Utility bills, and Taxes will not earn any reward points or miles.
This has a significant real-world impact. For example, if you pay a Rs. 20,000 electricity bill and Rs. 30,000 for house rent using this card, you might expect to earn 500 miles. However, because utilities and rent are strictly excluded, your reward earning for that Rs. 50,000 spend will be zero. Furthermore, rent payments will actively cost you money, as the bank levies a 1 percent surcharge fee on all rental transactions. Always use alternative payment methods or specific utility-focused cards for these categories.
View FAQ
Commonly Asked Questions
Which transactions do not earn rewards on this card?
You will not earn any miles on Fuel, EMI Transactions, Rent, Government payments, Utility bills, and Tax payments.
Does paying rent with this card earn reward points?
No, rent payments are completely excluded from earning rewards. Additionally, you will be charged a 1 percent processing fee for rent transactions.
Are utility bill payments such as electricity excluded?
Yes, all utility bill payments including electricity, water, and gas are part of the exclusion list and yield zero reward points.
If I convert a big purchase into EMIs, do I earn miles?
No, EMI transactions are explicitly excluded. If you buy a Rs. 50,000 laptop and convert it to EMI, you will not earn any miles on that purchase.
Do government and tax payments earn rewards?
Income tax payments, property taxes, and other government-related spending do not qualify for reward points on this card.
Are fuel transactions excluded from earning rewards?
Yes, fuel transactions are fully excluded from the miles program, though you do receive a 1 percent surcharge waiver up to Rs. 250 per month.
What happens if I accidentally make a payment in an excluded category?
The transaction will process normally and you must pay the bill, but you simply will not accumulate any Etihad Miles for that specific spend.
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  1% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. | 1% |
APR Fees Finance charges of 3.75% per month (45% per annum) apply on unpaid outstanding balances until the amount is fully repaid | 3.75% |
ATM withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable). | 2.50% |
Reward Redemption Fees No fee is charged when redeeming reward points on this card. | Not Applicable |
Link for all T&Cs | Click Here |
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets | 1% |
Rent Payment Fees 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges | 1% |
cheque Payment Fees A fee of ₹100 is charged for payments made through cheque | ₹100 |
Cash Payment Fees ₹250 cash payment fee per deposit | ₹250 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 –₹100 | 0 |
| ₹100 – ₹500 | ₹100 |
| ₹501 to ₹1000 | ₹400 |
| ₹1001 to ₹10000 | ₹750 |
| ₹10001 to ₹25000 | ₹950 |
| ₹25001 to ₹50000 | ₹1100 |
| More than ₹50000 | ₹1300 |
Understanding the fee structure of the BOB Etihad Guest Credit Card ensures you don't lose your hard-ea...
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Understanding the fee structure of the BOB Etihad Guest Credit Card ensures you don't lose your hard-ea...
Understanding the fee structure of the BOB Etihad Guest Credit Card ensures you don't lose your hard-earned miles to hidden bank charges. While the card offers excellent travel perks, it carries standard penalties for delayed payments and expensive charges for cash transactions.
The Joining Fee is Rs. 2,500 plus taxes. This is a one-time fee charged when the card is issued. While there is no direct cash offset, the 5,000 welcome miles easily cover this cost.
The Annual or Renewal Fee is Rs. 2,500 plus taxes, charged from the second year. However, this annual fee is waived if you spend Rs. 3 Lakh or more in a year. For example, spending roughly Rs. 25,000 a month on groceries and dining ensures you never pay this fee.
An APR (Interest Rate) of 3.75 percent per month, which equals 45 percent per annum, is applied if you fail to pay your full statement balance. If you carry forward a balance of Rs. 10,000 to the next month, you will be hit with an interest charge of Rs. 375, plus taxes, entirely negating any miles you earned.
Late Payment Charges apply if you miss your minimum due date. The fee is slab-based: Rs. 0 for balances under Rs. 100, Rs. 100 for balances between Rs. 101 and Rs. 500, Rs. 500 for balances up to Rs. 5,000, Rs. 700 for balances up to Rs. 10,000, and Rs. 1,200 for outstanding amounts above Rs. 10,000. For instance, missing a Rs. 6,000 payment will cost you a flat Rs. 700 penalty.
The standard Foreign Transaction or Forex Markup Fee is 3.5 percent on international POS payments and online purchases. If you spend Rs. 10,000 on a foreign website, you pay a Rs. 350 fee. (Note: The card offers a promotional 1 percent markup as a specific travel benefit, but the base bank schedule lists 3.5 percent).
An ATM Cash Withdrawal Fee of 3 percent of the withdrawn amount is charged on cash advances. If you withdraw Rs. 10,000 from an ATM, you immediately owe the bank a Rs. 300 fee, and exorbitant interest starts accruing from day one.
A Rent Payment Convenience Fee of 1 percent applies to all rental transactions. If you use your card to pay Rs. 20,000 in rent via an app, the bank adds a Rs. 200 surcharge to your statement.
A Railway Surcharge of 2.5 percent or Rs. 25 (whichever is higher) is applied to transactions made for booking railway tickets. A Rs. 2,000 train ticket booking will attract a Rs. 50 surcharge.
A Cash Payment Fee of Rs. 299 is charged if you walk into a bank branch and pay your credit card bill using physical cash. Always use digital payment methods like NEFT or UPI to avoid this entirely.
A Cheque Payment Fee of Rs. 100 is levied if your payment cheque bounces or if an auto-debit mandate fails due to insufficient funds.
A Reward Redemption Fee of Rs. 99 is charged towards handling and courier costs every time you redeem your reward points on the bank's portal.
| Fee Type | Amount / Rate |
|---|---|
| Joining Fee | Rs. 2,500 |
| Annual Fee | Rs. 2,500 (Waived on Rs. 3 Lakh spend) |
| Interest Rate (APR) | 3.75% per month (45% p.a.) |
| Late Payment Fee | Rs. 0 to Rs. 1,200 based on outstanding balance |
| Forex Markup Fee | 3.5% (Promotional 1% benefit applies) |
| Cash Withdrawal Fee | 3% of withdrawn amount |
| Rent Payment Surcharge | 1% of transaction amount |
| Railway Booking Surcharge | 2.5% or Rs. 25 |
| Cash Payment Fee | Rs. 299 per deposit |
| Cheque Bounce Fee | Rs. 100 |
| Reward Redemption Fee | Rs. 99 per request |
View FAQ
Commonly Asked Questions
What are the joining fees for this card?
The card comes with a joining fee of Rs. 2,500 plus applicable taxes.
What is the annual or renewal fee?
The annual renewal fee is Rs. 2,500. This is charged at the start of your second year.
Is there an annual fee waiver based on spending?
Yes, the annual fee is waived if you spend Rs. 3 lakh or more in a year on your card.
What is the interest rate if I don't pay my full balance?
Finance charges of 3.75 percent per month (45 percent per annum) apply on unpaid balances. For example, Rs. 10,000 unpaid for a month costs Rs. 375 in interest.
What are the late payment charges?
Late fees range from Rs. 0 to Rs. 1,200. A balance of Rs. 3,000 will attract a Rs. 500 late payment fine.
Is the late payment fee different based on outstanding amount?
Yes, it is tier-based. Balances over Rs. 10,000 incur the highest penalty of Rs. 1,200.
What is the forex markup for international transactions?
The standard forex fee is 3.5 percent. However, as a special benefit, this specific card offers a reduced 1 percent forex markup on international spends.
Can I withdraw cash using my credit card?
Yes, but a cash advance fee of 3 percent of the withdrawn amount is charged immediately.
Are there fees for paying rent with this card?
Yes, a surcharge fee of 1 percent applies on all rental transactions made using this credit card.
Is there a fee for paying my bill in cash?
Yes, the bank charges a Rs. 299 cash payment fee if you deposit cash at a branch to pay your credit card bill.
What are the charges for cheque payment bounce?
A fee of Rs. 100 is levied for cheque return, cheque dishonour, or auto-debit reversal.
Are there charges for railway ticket bookings?
Yes, a surcharge of Rs. 25 or 2.5 percent is applied to transactions made for booking railway tickets.
Is there a fee to redeem my reward points?
Yes, a fee of Rs. 99 is charged towards handling and courier charges when you redeem your reward points.
What happens if I spend more than my credit limit?
An over-limit fee of 2.5% of the over-limit amount (minimum Rs. 500) is charged if your spends exceed the assigned credit limit.
Documents Required
To process your application smoothly, you must provide proof of identity, address, and income. Having these ready prevents unnecessary delays.
You need your PAN Card as the primary identity document. For address proof, an Aadhaar Card, Passport, or Voter ID is acceptable. To prove your income, salaried employees should provide their latest two months' salary slips and the last three months' bank statements showing salary credits. Self-employed applicants must submit their latest Income Tax Return (ITR) computation along with business continuation proof.
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Commonly Asked Questions
Do I absolutely need a PAN card to apply?
Yes, a valid PAN card is a mandatory regulatory requirement for applying for any credit card in India.
Can I use my driving license as address proof?
Yes, a valid driving license with your current residential address is widely accepted as legitimate address proof.
What if I just started my job and only have one salary slip?
The bank requires two months of salary slips to verify income stability. Wait until you have at least two months of documentation to ensure your application meets the mandatory verification standards.
Is the physical Aadhaar card required for Video KYC?
While you can use e-Aadhaar for address verification, the Video KYC process specifically requires you to display your original physical PAN card to the camera.
Do I need to submit physical copies to the bank?
If you complete the digital application and successful Video KYC, you do not need to submit any physical paperwork to the bank branch.
Can self-employed applicants use bank statements instead of ITR?
No, for self-employed individuals, the latest Income Tax Return (ITR) is mandatory to verify the Rs. 3 lakh annual income requirement.
Who Should Get This Card?
If you are an expatriate working in the UAE, a business traveler frequently visiting the Middle East, or someone who loves taking family vacations on Etihad Airways, this card is built specifically for you. The aggressive 3X miles on Etihad bookings and the remarkably low 1% forex markup make international spending incredibly rewarding. A professional earning Rs. 50,000 a month who takes one international trip a year will effortlessly clear the annual fee waiver and rack up free miles.
Conversely, if your travel is strictly domestic, or if you prefer cashback straight to your statement, skip this card. The lack of rewards on utilities and rent, combined with the fact that you are tied to the Etihad ecosystem, makes it a poor choice for homebodies. Domestic travelers are better off with an Axis Vistara or an SBI Cashback card.
Credit Limit and What to Expect
Your credit limit is not pre-fixed based on the card variant; rather, it is dynamically assigned based on your financial profile. Bank of Baroda evaluates your monthly income, your existing debt-to-income ratio, and your CRIF credit score. Credit limits for this card range from Rs. 75,000 to Rs. 5,00,000 based on your income profile. Applicants with higher income tiers can expect a limit representing 3 times their monthly net salary. Responsible usage over the first 6 to 12 months often leads to proactive limit enhancement offers from the bank.
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Commonly Asked Questions
What will be my starting credit limit?
The bank assigns your credit limit based on your income and credit score. For most applicants, the starting limit ranges between Rs. 75,000 and Rs. 5,00,000 depending on verified income.
Can I request a higher credit limit right after approval?
Initial limits are fixed upon issuance. You must show 6 months of responsible usage and timely bill payments before the bank processes a limit increase request.
Does spending over my limit attract a fee?
Yes, exceeding your assigned credit limit will trigger an over-limit penalty fee. Always track your available balance via the bank's mobile app.
Will a low credit score result in a low credit limit?
Yes, if the bank approves your application despite a marginal credit score, they will assign a lower credit limit to manage their risk.
Can I transfer credit limit from my other BOB card?
Bank of Baroda permits limit sharing across multiple cards. You can merge limits by submitting a formal request through the BOB Financial net banking portal.
How do I check my available credit limit?
You can check your total, utilized, and available credit limit instantly through the BOB Financial mobile app or net banking portal.
How to Apply?
The application process for the BOB Etihad Guest Credit Card is highly streamlined and digital-first. You can initiate the application through the official BOB Financial website or via trusted partner portals. After filling out your basic personal, professional, and financial details, the system will verify your credit score in real-time. Once conditionally approved, you move to the Video KYC stage.
Video KYC (VKYC) eliminates the need for a physical bank visit. You will connect with a bank executive via a secure video link. Ensure you have your original PAN card in hand and a blank piece of paper with a pen for a live signature. The executive will verify your identity on the spot. After a successful VKYC, the bank takes a few working days to run final internal checks before dispatching the physical card to your registered address.
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Commonly Asked Questions
Can I apply for this card online?
Yes, the entire application process, including document submission and identity verification, can be completed online from the comfort of your home.
What is Video KYC and is it mandatory?
Video KYC is a digital verification process where a bank agent confirms your identity over a video call. It is mandatory for completing an online application without branch visits.
What do I need for a successful Video KYC call?
You need a stable internet connection, good lighting, your original physical PAN card, and a blank paper with a blue/black pen for your live signature.
Are there geographic restrictions for Video KYC?
Yes, you must be physically present in India during the call. You should also be located within 50 kilometers of your registered communication address.
How long does the approval process take?
After completing the Video KYC, it typically takes 7 to 10 working days for the bank to process the final approval and dispatch the card.
How can I track my application status?
You can track your application status on the BOB Financial website using the unique Application Reference Number provided to you via SMS and email.
What happens if my Video KYC fails?
If the video call drops or fails due to network issues, the bank will send you a new link to try again. If it fails repeatedly, you may be asked to complete physical verification.
That’s the full story of this credit card
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Top Benefits
Apply and get ₹700 Rewards
Top Benefits
Earn 3x Miles On Etihad per
₹100 spent on Etihad Airways bookings
Get Double Welcome Miles on spending ₹10,000
within 60 days and paying the joining fee for 2,500 + 2,500 bonus miles
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