Bank of Baroda
BOB Etihad Guest Premium Credit Card
This is an invite only card
Apply and get ₹700 Rewards
Top Benefits
Complimentary Lounge Access with
12 domestic and 8 international visits each year
Earn Miles Everywhere with 6 Miles per ₹100
on Etihad Airways and 2 Miles per ₹100 on other domestic and cross-border spends
Best For
Travel
If you fly frequently to the Middle East or use Etihad Airways for your global travels, the BOB Etiha...
Read More
Read Less
If you fly frequently to the Middle East or use Etihad Airways for your global travels, the BOB Etiha...
If you fly frequently to the Middle East or use Etihad Airways for your global travels, the BOB Etihad Guest Premium Credit Card is built specifically for your wallet. This premium travel card focuses heavily on rewarding your flight bookings with high earning rates and direct tier upgrades in the Etihad Guest program. It skips generic reward points and directly credits Etihad Guest Miles to your account, making your path to free flights and seat upgrades much faster.
Targeted at high-income professionals and frequent international flyers, this card comes with a premium joining fee but packs enough welcome benefits to cover that cost immediately. You get complimentary Etihad Guest Silver Tier status right off the bat, plus an easy path to Gold Tier status. With zero forex markup on international transactions as a flight benefit and solid airport lounge access, it serves as a complete travel companion. If you want a card that works hard for your travel goals rather than scattering points across random catalogues, this is a strong choice.
View FAQ
Commonly Asked Questions
Is the BOB Etihad Guest Premium Credit Card lifetime free?
No, this card carries a joining fee of Rs. 5,000 and an annual renewal fee of Rs. 5,000. However, the annual fee can be waived if you spend Rs. 5 Lakhs or more in a year.
Who is the ideal user for this card?
This card is perfect for frequent international travelers, specifically those who fly with Etihad Airways. If you spend heavily on international flights and cross-border purchases, you will easily maximize the miles and travel benefits.
Is this a good card for everyday domestic shopping?
While it earns 2 Miles per Rs. 100 on standard domestic spends, its true value shines on Etihad flight bookings where it earns 6 Miles per Rs. 100. It is a decent card for everyday use, but best paired with a dedicated cashback card for groceries and utilities.
Does this card offer airport lounge access?
Yes, it provides strong lounge benefits with 12 domestic lounge visits and 8 international lounge visits every year.
Expert Review
As a credit card expert, I view the BOB Etihad Guest Premium Credit Card as a highly specialized tool rather than an everyday wallet filler. If you travel to the Middle East regularly, this card is incredibly potent. The 6 Miles per Rs. 100 earning rate on Etihad Airways is fantastic, and the instant jump to Silver tier status adds immediate lifestyle value to your travels. Combine that with the 0 percent forex markup flight benefit, and this card easily justifies its premium branding.
However, the card falls flat if you want versatility. The complete exclusion of utilities, rent, and fuel from the rewards program means you cannot use your large household expenses to farm miles. Furthermore, tying your rewards exclusively to Etihad limits your options if you find cheaper flights on Emirates or Qatar Airways. If you are an Etihad loyalist, apply for this card today; the welcome bonus alone pays for the first year. If you prefer flying whichever airline is cheapest on the day, look toward more flexible travel cards instead.
Joining / Annual Fee
Joining Fees
₹5,900 ( ₹5000 + GST )
Annual Fees
₹5,900 ( ₹5000 + GST )
Premium benefits come at a premium price. The BOB Etihad Guest Premium Credit Card carries a joining ...
Read MoreRead Less
Premium benefits come at a premium price. The BOB Etihad Guest Premium Credit Card carries a joining ...
Premium benefits come at a premium price. The BOB Etihad Guest Premium Credit Card carries a joining fee of Rs. 5,000 plus applicable GST. This fee is charged to your first billing statement. While there is no direct fee offset feature, paying this fee and completing the initial spending milestone unlocks 10,000 welcome miles. Since 10,000 miles hold a value of Rs. 8,000, you easily recover the cost of the joining fee in your first two months.
From the second year onwards, you will be charged an annual renewal fee of Rs. 5,000 plus GST. However, the bank rewards heavy usage. The annual fee is entirely waived if you spend Rs. 5 Lakhs or more in a year. Breaking that down, if you put roughly Rs. 41,667 per month on the card across travel, shopping, and dining, you will never have to pay the renewal fee.
View FAQ
Commonly Asked Questions
What is the exact joining fee for this card?
The one-time joining fee is Rs. 5,000 plus 18 percent GST. It will be billed in your very first credit card statement.
Can the joining fee be waived?
No, there is no joining fee offset available. However, the welcome bonus of 10,000 miles provides more than enough value to compensate for this upfront cost.
What is the annual renewal fee?
The card charges an annual fee of Rs. 5,000 plus GST, applicable from the second year of card membership.
How can I get the annual fee waived?
The annual fee is waived automatically if your total card spends exceed Rs. 5 Lakhs in the preceding year.
Do rent payments count toward the Rs. 5 Lakh fee waiver target?
Transactions in excluded categories like rent, fuel, and wallet loads do not count toward the Rs. 5 Lakh annual fee waiver milestone. Focus your spending on travel, dining, and retail to reach the target.
If I spend Rs. 4,50,000 in a year, do I get a partial fee waiver?
No, fee waivers are absolute. If you miss the Rs. 5 Lakh target even by a few rupees, the full Rs. 5,000 fee will be charged to your account.
Is this card ever offered as lifetime free?
Standard terms do not offer this card as lifetime free due to its premium flight benefits and tier upgrades. Any lifetime free offers would be strictly promotional.
When is the annual fee charged?
The annual fee is billed in your statement during the anniversary month of your card issuance every year.
Eligibility
Age
Criteria*
21-60 years
Salary
Criteria*
18LPA
Credit
Rating*
720+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
No
Getting approved for a premium travel card requires a strong financial profile. The bank has set clea...
Read MoreRead Less
Getting approved for a premium travel card requires a strong financial profile. The bank has set clea...
Getting approved for a premium travel card requires a strong financial profile. The bank has set clear parameters for age, income, and credit history to ensure applicants can manage the high credit limits and fees associated with this product.
The primary applicant must be at least 21 years old, with the maximum age limit capped at 60 years at the time of application. Both salaried employees and self-employed professionals are welcome to apply. Bank records list the monthly income requirement at Rs. 1,50,000, which translates to an annual income of Rs. 18 Lakhs. This high threshold aligns with the premium nature of the card. However, specific bank commentary also mentions a minimum annual income requirement of Rs. 3 Lakhs to apply, suggesting that existing bank customers with strong relationships might qualify at a lower income tier.
Credit history is equally important. You need a solid CRIF credit score of 720 or above. If your score falls below this mark, or if you have a history of late payments, your application may face rejection.
View FAQ
Commonly Asked Questions
What is the minimum age to apply for this card?
The primary applicant must be at least 21 years old to be eligible for the BOB Etihad Guest Premium Credit Card.
What is the maximum age limit for applicants?
Applicants can be up to 60 years old at the time of submitting their credit card application.
What is the minimum monthly salary required?
The standard monthly income requirement is Rs. 1,50,000 for salaried individuals, which equals Rs. 18 Lakhs per annum.
Can self-employed individuals apply for this card?
Yes, self-employed business owners and professionals are eligible. They must also demonstrate an annual income of Rs. 18 Lakhs.
What if my salary is only Rs. 50,000 per month?
While the standard requirement is Rs. 18 Lakhs annually, bank notes indicate applications can start from a minimum of Rs. 3 Lakhs per annum. Approval at lower income levels often depends on existing bank relationships and credit scores.
What credit score is needed for approval?
A minimum CRIF credit score of 720 is required for both salaried and self-employed applicants to secure smooth approval.
Will my application be rejected if my score is 700?
A score below 720 increases the chances of rejection. The bank uses this strict cutoff to ensure applicants have a proven track record of responsible credit behavior.
Do I need a BOBCARD savings account to get approved?
No, you do not need an existing relationship with the bank to apply, though having one might help your approval odds if your income is borderline.
Can I get an add-on card for my spouse?
You can issue up to 3 add-on cards for your spouse, parents, or children aged 18 and above, often at no additional cost.
All Card Benefits
- Earn 6 Miles per ₹100 on Etihad Airways spends
- Earn 2 Miles per ₹100 on other domestic and cross-border spends
- Monthly bonus: 500 Miles on 4 transactions totaling ₹5000 (once per month)
- Quarterly bonus: 4000 Miles on ₹3,00,000 quarterly spends (once per quarter)
- Annual bonus: 24,000 Miles on ₹12,00,000 yearly spends (valid once per year)
Welcome Benefits
The bank ensures you get immediate value for the premium fee you pay upfront. Onc...
Read MoreRead Less
Welcome Benefits The bank ensures you get immediate value for the premium fee you pay upfront. Onc...
Welcome Benefits
The bank ensures you get immediate value for the premium fee you pay upfront. Once you pay your joining fee and spend Rs. 25,000 within the first 60 days, you earn 5,000 base Etihad Guest Bonus Miles plus an extra 5,000 Bonus Miles. This 10,000-mile bonus provides a massive head start for your next flight redemption.
Additionally, just making your first transaction grants you complimentary Silver Tier Status in the Etihad Guest program. If you make your first transaction directly on Etihad.com within 6 months, you get upgraded to Gold Tier status. These tier upgrades give you priority check-in, extra baggage allowance, and better seating choices.
Reward Points Structure
This card skips confusing point systems and earns Etihad Guest Miles directly. You earn 6 Miles for every Rs. 100 spent on Etihad Airways, making flight bookings highly rewarding. For all other domestic and cross-border spends, you earn a flat 2 Miles per Rs. 100.
The milestone bonuses are where the earnings really stack up. You get a monthly bonus of 500 Miles if you make 4 transactions totaling Rs. 5,000. If you hit Rs. 3,00,000 in quarterly spends, you receive 4,000 bonus Miles. For heavy spenders, hitting Rs. 12,00,000 in yearly spends grants a massive annual bonus of 24,000 Miles. With each mile valued at Rs. 0.80, these bonuses translate to serious cash value. For instance, the 24,000 annual bonus miles are worth Rs. 19,200 toward future flights.
Flight and Travel Perks
Beyond the tier upgrades, the BOB Etihad Guest Premium Credit Card takes the sting out of international travel costs. As part of its core flight benefits, the card offers a 0 percent forex markup on international transactions. This is a huge money saver. Normally, spending Rs. 1,00,000 abroad incurs Rs. 3,500 in fees. With this benefit, you pay exactly what the item costs.
Additionally, if you hit a specific travel goal by flying with Etihad Airways twice in a year, you receive an extra 1,000 bonus Miles.
Airport Lounge Access
A premium travel card is incomplete without solid lounge benefits. This card delivers beautifully with an allowance of 12 domestic lounge visits every year. These are capped at 3 visits per quarter. For your global travels, you also receive 8 international lounge visits per year, capped at 2 visits per quarter. This ensures you have a quiet place to relax before almost any flight you take during the year.
Fuel Benefits
While the card does not earn miles on fuel, it helps reduce your daily commuting costs through a fuel surcharge waiver. You get a 1 percent surcharge waiver on fuel transactions that fall between Rs. 500 and Rs. 5,000. The maximum waiver amount is capped at Rs. 250 per statement cycle.
Bank Offers
As a BOBCARD user, you get access to a rotating selection of partner discounts. The bank regularly ties up with popular brands across dining, electronics, and lifestyle categories to offer instant discounts and deals at checkout.
View FAQ
Commonly Asked Questions
How do I qualify for the 10,000 welcome miles?
You need to pay the Rs. 5,000 joining fee and spend at least Rs. 25,000 on the card within the first 60 days of activation. Once completed, the 5,000 standard and 5,000 extra miles will be credited to your account.
How do I get the Etihad Guest Gold Tier status?
You will automatically receive Silver Tier status after your first transaction. To upgrade to Gold Tier, you must make a transaction on Etihad.com within the first 6 months of getting the card.
What is the monetary value of the welcome miles?
Since each reward point or mile is valued at Rs. 0.80, the 10,000 welcome miles hold an approximate value of Rs. 8,000. This easily covers your initial Rs. 5,000 joining fee.
When do the welcome miles reflect in my account?
The bonus miles are credited to your linked Etihad Guest account within 30 days of meeting the Rs. 25,000 spending requirement and paying the joining fee.
Do wallet reloads count toward the Rs. 25,000 welcome spend target?
Wallet top-ups, rent, and utility payments are excluded from welcome benefit spending targets. Complete this milestone using regular retail shopping or travel bookings.
What is the standard reward rate on this card?
You earn 2 Miles for every Rs. 100 spent on regular domestic and cross-border transactions. This equals a 1.6 percent return since each mile is worth Rs. 0.80.
How many miles do I earn on Etihad flight bookings?
You earn an accelerated 6 Miles per Rs. 100 spent directly with Etihad Airways. If you spend Rs. 50,000 on tickets, you will earn 3,000 Miles.
What is the value of 1 Etihad Guest Mile in rupees?
The standard conversion value is 1 Reward Point or Mile equals Rs. 0.80. This makes it easy to calculate exactly how much you are saving on future trips.
How do I earn the monthly milestone bonus?
You need to complete at least 4 transactions in a month that total Rs. 5,000 or more. Doing this earns you an extra 500 Miles for that month.
What do I get for spending Rs. 3 Lakhs in a quarter?
Hitting Rs. 3,00,000 in spending within a calendar quarter triggers a bonus of 4,000 Miles, which holds a value of roughly Rs. 3,200.
Is there an annual spending bonus?
Yes, if your total yearly spends reach Rs. 12,00,000, you will receive a massive bonus of 24,000 Miles valid once per year.
Do I earn miles on fuel purchases?
No, fuel transactions are explicitly excluded from earning Etihad Guest Miles on this card.
Will paying my rent earn me any miles?
Rent payments are excluded from the rewards program. You will not earn any miles for property rent transactions.
Are utility bills and taxes eligible for rewards?
No, government payments, taxes, and utility bills do not accumulate any miles on this card.
Do EMI transactions earn miles?
Purchases converted into Equated Monthly Installments (EMI) do not earn any reward miles.
Does this card offer zero forex markup?
Yes, as a special flight benefit, the card provides 0 percent forex markup on international transactions, saving you the standard 3.5 percent fee typically charged on foreign currency spends.
How do I get the 1,000 miles travel goal bonus?
You must fly with Etihad Airways at least twice within a single year to qualify for this 1,000-mile bonus. It is valid once per year.
Does the zero forex markup apply to online international shopping?
Yes, international transactions made in currencies other than INR, whether at a physical point of sale abroad or on international websites, qualify for the 0 percent markup benefit.
Will I get flight discounts along with the miles?
The card rewards you through miles rather than upfront ticket discounts. Your Silver or Gold tier status provides added value like priority check-in and extra baggage.
How many domestic lounge visits do I get?
You get 12 complimentary domestic lounge visits annually. You can use a maximum of 3 visits per calendar quarter.
Does this card offer international lounge access?
Yes, it provides 8 international lounge visits per year. These are restricted to a maximum of 2 visits per quarter.
Do I need a separate Priority Pass for the international lounges?
International lounge access is provided via the Mastercard network for seamless entry at global partner lounges.
Can I bring a guest into the lounge for free?
Complimentary lounge access is strictly for the primary cardholder. Bringing a guest results in a standard walk-in charge of approximately $27 to $32 per person, billed directly to your card.
What happens if I use more than 3 domestic lounge visits in a quarter?
Any visits beyond the 3 permitted per quarter will be charged to your credit card at the standard lounge entry rate.
What is the fuel surcharge waiver on this card?
You receive a 1 percent waiver on the fuel surcharge applied by petrol pumps for transactions ranging from Rs. 500 to Rs. 5,000.
What is the maximum amount I can save on fuel surcharges?
The waiver is capped at Rs. 250 per monthly statement cycle. Once you reach this limit, subsequent fuel purchases will attract the standard surcharge.
Will a Rs. 400 fuel purchase get the waiver?
No, the transaction must be at least Rs. 500 to qualify for the 1 percent surcharge waiver.
Will a Rs. 6,000 fuel purchase get the waiver?
No, transactions above Rs. 5,000 do not qualify for the waiver. You must keep the swipe amount under Rs. 5,000 to get the benefit.
How do I find current bank offers for this card?
You can check the official BOBCARD website or app for the latest ongoing promotions, discounts, and partner tie-ups.
Do I need promo codes to use these bank offers?
Some e-commerce websites require a specific promo code at checkout, while others automatically apply the discount when you enter your card details.
Do I still earn Etihad miles when I use a bank discount offer?
Yes, as long as the transaction category is not on the exclusion list, you will earn your standard 2 Miles per Rs. 100 on the final discounted amount charged to the card.
Are there specific dining offers on this card?
While there is no fixed dining program, you can enjoy discounted deals through regular BOBCARD partnerships with various restaurants and food delivery apps.
Milestone Benefits
6000 reward points(Worth ~ ₹1,200)
Spend ₹50,000 in 30 days
16000 reward points(Worth ~ ₹3,200)
Spend ₹3,00,000 in 90 days
24000 reward points(Worth ~ ₹4,800)
Spend ₹12,00,000 in 365 days
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1RP= ₹0.80
Redemption Options
- Flight tickets
- Hotel and travel bookings
- Lifestyle and partner rewards
To check redemption catalogue
The redemption process for the BOB Etihad Guest Premium Credit Card is highly specialized. Unlike sta...
Read MoreRead Less
The redemption process for the BOB Etihad Guest Premium Credit Card is highly specialized. Unlike sta...
The redemption process for the BOB Etihad Guest Premium Credit Card is highly specialized. Unlike standard cards where you browse a generic catalogue for toasters or gift vouchers, this card is tied directly to your travel aspirations. The Etihad Guest Miles you earn are credited to your dedicated Etihad Guest account. This means you do not redeem points on the bank portal; you redeem them directly through Etihad's ecosystem.
Every mile you earn holds a conversion value of Rs. 0.80. You can use these miles for booking flight tickets, upgrading your seat class, or arranging hotel and travel bookings. The bank provides a dedicated redemption catalogue link (https://portal.bobcard.co.in/login) to manage your card, but the actual miles reside in your airline loyalty account. Note that a partner transfer or conversion fee of Rs. 150 plus GST applies per redemption transaction.
As an example, if you accumulate 20,000 miles over a year, you hold a value of Rs. 16,000. You can log into your Etihad Guest account and apply these miles to completely cover or heavily discount a round-trip ticket to Abu Dhabi.
View FAQ
Commonly Asked Questions
How do I redeem the Etihad miles I have earned?
The miles are automatically credited to your Etihad Guest account. You log in to the Etihad Airways website or app to redeem them for flights, upgrades, or hotel bookings.
Can I convert my miles into statement cashback?
No, Etihad Guest Miles cannot be exchanged for cash or statement credit. They must be used within the Etihad Guest programme rules.
What is the rupee value of my reward points?
The conversion rate is fixed at 1 Reward Point or Mile equals Rs. 0.80. This gives you a clear understanding of your savings when booking flights.
Is there a fee for redeeming my reward points?
Yes, a fee of Rs. 150 plus GST per transaction applies for partner transfers and conversions. Factor this in when making small redemptions.
What can I get with my miles besides flights?
According to the redemption options, you can use miles for flight tickets, hotel and travel bookings, as well as lifestyle and partner rewards available in the Etihad ecosystem.
Do my Etihad Guest Miles expire?
Etihad Guest Miles expire after 18 months of account inactivity. Keep your account active by earning or redeeming miles to prevent expiry, while your Gold tier status offers additional protection against mile forfeiture.
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 rewards, you need to know exactly where the card does not work. The bank has a stric...
Read MoreRead Less
To maximize your rewards, you need to know exactly where the card does not work. The bank has a stric...
To maximize your rewards, you need to know exactly where the card does not work. The bank has a strict list of exclusion categories that will not earn you any Etihad Guest Miles. Spending heavily in these areas hoping for a free flight will only lead to disappointment.
Transactions made on Fuel, EMI Transactions, Rent, Government payments, Utility bills, and Taxes are fully excluded from the rewards program. For example, if you use this card to pay a Rs. 50,000 income tax bill or a Rs. 25,000 monthly rent, you will earn zero miles. Similarly, if you buy a Rs. 80,000 laptop and convert it into monthly EMIs, that transaction is stripped of all reward earning potential. You should reserve this card strictly for airline bookings, dining, retail shopping, and general international spends to ensure every rupee earns a mile.
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 Taxes.
Does paying my electricity bill earn miles?
No, utility bills are completely excluded from the reward earning structure. You are better off using a dedicated utility cashback card for these payments.
Are fuel transactions excluded from rewards?
Yes, fuel payments do not earn Etihad Guest Miles. However, you do receive a 1 percent fuel surcharge waiver on transactions between Rs. 500 and Rs. 5,000.
Does paying rent with this card earn reward points?
No, rent payments are explicitly excluded from earning miles. Furthermore, rent transactions attract an additional 1 percent processing fee.
What happens if I convert a large purchase into an EMI?
The moment a transaction is converted into an EMI, it becomes ineligible for reward points. You will not earn any miles on the principal or the interest paid.
Do wallet top-ups earn rewards on this card?
Wallet loading transactions do not earn reward miles and are excluded from all milestone calculations.
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  This card charges zero forex markup on international transactions on the Visa variant. All foreign currency transactions are processed at the standard Visa exchange rate with no additional conversion fee | 0% |
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) | 2.5% |
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 A surcharge fee of 1% GST applies on rental transactions made using the credit card | 1% |
cheque Payment Fees A fee of ₹100 of the payment amount is levied for cheque return, cheque dishonour, or auto-debit reversal | ₹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 exact cost of carrying a premium credit card is vital before applying. While the BO...
Read MoreRead Less
Understanding the exact cost of carrying a premium credit card is vital before applying. While the BO...
Understanding the exact cost of carrying a premium credit card is vital before applying. While the BOB Etihad Guest Premium card offers incredible travel value, it comes with a strict fee schedule for late payments, cash withdrawals, and special transactions.
The card carries a one-time joining fee of Rs. 5,000. This fee is billed in your first statement and cannot be offset directly, though the 10,000 welcome miles compensate for it completely.
From the second year, an annual renewal fee of Rs. 5,000 applies. However, this is waived if you spend Rs. 5 Lakhs or more in the previous year. For example, spending roughly Rs. 41,667 every month easily hits this target, saving you Rs. 5,000 annually.
If you fail to clear your total outstanding balance by the due date, finance charges apply at an APR of 3.75 percent per month (45 percent per annum). For instance, if you carry forward an unpaid balance of Rs. 10,000, you will be charged Rs. 375 in interest for just one month.
Late payment charges are applied based on your outstanding amount. The fee is Rs. 0 for balances up to Rs. 100; Rs. 100 for balances between Rs. 101 and Rs. 500; Rs. 350 for balances between Rs. 501 and Rs. 1,000; Rs. 550 for balances between Rs. 1,001 and Rs. 10,000; Rs. 1,100 for balances between Rs. 10,001 and Rs. 50,000; and Rs. 1,300 for balances above Rs. 50,000. If your bill is Rs. 8,000 and you miss the due date, you pay a penalty of Rs. 550.
For international transactions not covered by the flight benefit promotion, a standard forex markup fee of 3.5 percent applies. If you buy a gadget online from a US store for Rs. 10,000, the bank will charge an extra Rs. 350 as a markup fee.
Withdrawing cash using this credit card is highly discouraged. A cash withdrawal fee of 3.5 percent of the withdrawn amount applies. If you withdraw Rs. 20,000 from an ATM, you will be charged a Rs. 700 fee immediately, plus interest from day one.
Paying your rent through this credit card attracts a 1 percent rent payment fee. If your monthly rent is Rs. 25,000, the bank will add a Rs. 250 fee to your statement.
Booking train tickets through the IRCTC website incurs a railway surcharge of 1 percent of the transaction amount plus GST. A Rs. 2,000 ticket will cost an extra Rs. 20.
If you choose to pay your credit card bill by depositing physical cash at a bank branch, a cash payment fee of Rs. 100 applies per deposit. Always use online NEFT or UPI to avoid this.
Similarly, paying your bill via a physical cheque incurs a cheque payment fee of Rs. 150 per deposit. Digital payments are faster and free.
Finally, when you transfer or convert your earned rewards, a reward redemption fee of Rs. 150 plus GST applies per transaction. If you transfer 10,000 miles to your Etihad account, Rs. 150 will be billed to your card.
| Fee Type | Amount / Rate |
|---|---|
| Joining Fee | Rs. 5,000 |
| Annual Fee | Rs. 5,000 (Waived on Rs. 5 Lakh spend) |
| Interest Rate (APR) | 3.75% per month (45% per annum) |
| Forex Markup Fee | 3.5% (0% under specific flight benefits) |
| ATM Withdrawal Fee | 3.5% of withdrawn amount |
| Rent Payment Fee | 1% of transaction amount |
| Railway Surcharge | 1% of transaction amount + GST |
| Reward Redemption Fee | Rs. 150 + GST |
| Cash Payment Fee | Rs. 100 per deposit |
| Cheque Payment Fee | Rs. 150 per deposit |
| Late Payment Fee | Up to Rs. 1,300 depending on balance |
View FAQ
Commonly Asked Questions
What are the joining fees for this card?
The joining fee is Rs. 5,000 plus GST, which is billed in your first statement.
What is the annual or renewal fee?
The annual fee is Rs. 5,000 plus GST, applicable from the second year onwards.
Is there an annual fee waiver based on spending?
Yes, the Rs. 5,000 annual fee is waived completely if you spend Rs. 5 Lakhs or more in the previous year.
What is the interest rate (APR) if I don't pay my full balance?
The bank charges a high interest rate of 3.75 percent per month, which equals 45 percent annually on all unpaid balances.
How is the interest calculated on outstanding balances?
Interest is calculated daily on the unpaid amount from the date of the transaction until the balance is fully repaid. An unpaid Rs. 10,000 balance generates Rs. 375 in interest monthly.
What are the late payment charges?
Late fees range from Rs. 0 to Rs. 1,300 depending on how much you owe. For example, a balance between Rs. 1,001 and Rs. 10,000 incurs a Rs. 550 penalty.
What is the forex markup for international transactions?
While flight benefits offer a promotional 0 percent markup, standard cross-border transactions not covered by the promo incur a 3.5 percent fee.
Can I withdraw cash using my credit card?
Yes, but it is very expensive. The bank charges a 3.5 percent fee on the exact amount you withdraw from the ATM.
Are there fees for paying rent with this card?
Yes, a 1 percent fee is levied on the total transaction amount when you use the card to pay rent.
Is there a fee for paying my bill in cash?
Yes, depositing cash at a branch to clear your credit card bill attracts a Rs. 100 processing fee.
What are the charges for cheque payment of bills?
If you pay your bill using a physical cheque, the bank charges a Rs. 150 fee per deposit.
Are there charges for railway ticket bookings?
Yes, booking tickets through IRCTC will attract a 1 percent surcharge plus GST on the transaction amount.
Is there a fee to redeem my reward points?
Yes, every time you convert or transfer your miles, a flat Rs. 150 plus GST fee is charged to your card.
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.
View FAQ
Commonly Asked Questions
What identity proofs are accepted for this application?
You will need a PAN Card as mandatory proof. An Aadhaar Card is highly recommended for quick digital verification and e-KYC.
What documents do salaried applicants need to provide?
Salaried individuals must submit their latest 2 months' salary slips and their most recent bank statement showing salary credits.
What income proof is required for self-employed applicants?
Self-employed professionals must provide their latest Income Tax Returns (ITR) along with computation of income and recent business bank statements.
Is an address proof mandatory?
Yes, you must provide a valid address proof. If your current address matches your Aadhaar card, that serves as sufficient proof. Otherwise, utility bills or a passport can be used.
Do I need to submit physical photographs?
No, physical photographs are not needed if you complete the Video KYC process, as the bank agent will capture a live image of you during the call.
Can I apply using my company's offer letter as income proof?
Offer letters are not accepted for income verification. You must provide official salary slips and bank statements showing consistent income credits to verify financial stability.
Who Should Get This Card?
This card demands a specific type of user to justify its Rs. 5,000 annual fee. Let us break down who wins and who loses with this product.
The Loyal Jetsetter: If your job or family ties require you to fly to the UAE or route through Abu Dhabi multiple times a year, this card is a goldmine. Earning 6 Miles per Rs. 100 on Etihad bookings and enjoying zero forex markup means you save thousands on every trip. The complimentary Silver tier ensures you travel in comfort.
The High Spender: If you comfortably push Rs. 12 Lakhs a year through your credit card, the milestone bonuses alone make this card worthwhile. Snagging 24,000 bonus miles annually provides enough value to cover a major chunk of an international holiday.
Who Should Avoid It: If you rarely fly internationally, or prefer budget airlines for domestic hops, do not get this card. The Etihad miles will sit unused, and paying Rs. 5,000 a year for domestic lounge access is a terrible financial decision. Likewise, if your main expenses are groceries, utility bills, and fuel, this card's exclusion list will prevent you from earning any meaningful rewards.
Credit Limit and What to Expect
Because this card targets high earners with a minimum income requirement of Rs. 18 Lakhs annually, it comes with a generous credit limit. This high limit ensures you can easily book expensive international flights or cover large hotel bills without exhausting your available credit.
Your exact credit limit will be determined by your income, existing debts, and your CRIF credit score. Maintaining a good credit utilization ratio will prompt the bank to offer you limit enhancements in the future.
View FAQ
Commonly Asked Questions
What credit limit will I get on this card?
The starting credit limit is determined by your profile, with eligible high-income earners receiving limits starting from Rs. 1,50,000 to Rs. 3,00,000.
Can I request a higher credit limit later?
Yes, after 6 to 12 months of responsible usage and timely bill payments, the bank may offer an automatic limit increase, or you can request one by showing updated income proofs.
Will my credit limit decrease if I don't use the card?
Prolonged inactivity can lead to a reduction in your credit limit. It is best to use the card regularly to maintain your assigned limit.
Does a high credit limit affect my credit score?
A high limit actually helps your score by keeping your overall credit utilization ratio low, provided you do not spend recklessly.
Can I set my own daily spending limits?
Yes, through the bank's mobile app, you can manually set limits for online, POS, and international transactions for added security.
What happens if I spend more than my credit limit?
Transactions exceeding your limit are declined or incur an over-limit fee of 2.5% of the over-limit amount (minimum Rs. 500).
How to Apply?
The application process for the BOB Etihad Guest Premium Credit Card is completely digitized, allowing you to secure your card from the comfort of your home.
1. Start by visiting the official bank website or a trusted partner platform. Navigate to the credit cards section and select this specific card.
2. Fill in your basic details including your PAN number, mobile number, and employment information to check your preliminary eligibility.
3. If approved in principle, you will be prompted to upload digital copies of your identity and income proofs.
4. The final step is completing the Video KYC process. A bank executive will connect with you over a video call to verify your original documents and live location.
5. Once the Video KYC is successful and final checks are done, your card will be dispatched to your registered address.
View FAQ
Commonly Asked Questions
Can I apply for this card online?
Yes, you can easily apply online through the bank's official portal or verified partner websites without needing to visit a physical branch.
What is Video KYC?
Video KYC is a digital verification process where a bank agent verifies your identity over a live video call. You must show your original PAN card during this call.
What happens if my internet disconnects during Video KYC?
If the call drops, you can use the original link sent to your email or SMS to restart the process. If it fails repeatedly, you may have to complete physical KYC.
How long does the approval process take?
After completing your Video KYC, final approval and dispatch are completed within 7 to 10 working days.
How can I track my application status?
You will receive an Application Reference Number via SMS. You can enter this number on the bank's tracking portal to see real-time updates on your application.
Is physical document submission required?
If you successfully complete the Video KYC process and upload digital documents, no physical paperwork or branch visits are required.
That’s the full story of this credit card
Like this card? Your apply button’s just there.
Top Benefits
Apply and get ₹700 Rewards
Top Benefits
Complimentary Lounge Access with
12 domestic and 8 international visits each year
Earn Miles Everywhere with 6 Miles per ₹100
on Etihad Airways and 2 Miles per ₹100 on other domestic and cross-border spends
The smartest way to find your great credit card
We value your time and privacy. Your details stay secure and are used only to help you.
Company
We value your time and privacy. Your details stay secure and are used only to help you.