Table of Contents
- 1. Key Highlights
- 2. Welcome Miles Offer: 15,000 Miles for New Cardholders
- 3. How to Claim Welcome Miles
- 4. Active Merchant Offers - May–June 2026
- 5. Milestone Bonus Miles: The Built-In Offers That Keep Earning
- 6. Base Earn Rate: Miles on Every Transaction
- 7. How to Track Your Miles and Verify Offers Are Credited
- 8. Frequently Asked Questions
Key Highlights
- Welcome offer - 15,000 bonus miles: 10,000 joining miles on ₹25,000 spend in 60 days + joining fee paid. Additional 5,000 miles on ₹50,000 cumulative spend. Check bobcard.co.in for current offer validity.
- Monthly bonus miles: 500 bonus miles on 4 transactions totalling ₹50,000 in a month - applies to Premium card.
- Quarterly bonus miles: 4,000 bonus miles on ₹3,00,000 quarterly spend - Premium card.
- Annual bonus miles: 24,000 bonus miles on ₹12,00,000 annual spend - Premium card.
- All active BOBCARD offers: Visible at bobcard.co.in/festive - updated regularly.
BOBCARD Etihad Guest Credit Cards - launched in January 2026 in partnership with Etihad Airways - carry two types of offers: permanent card-level benefits (milestone bonuses, earn rates) and time-limited merchant deals visible on the BOBCARD offers page. Both matter for cardholders trying to extract maximum value. This guide covers every active offer as of May 2026, with exact claim steps for each.
The most important thing to know about BOBCARD Etihad offers: merchant deals apply to ALL BOBCARD credit cards, not just the Etihad variants. The Etihad-specific offers are the milestone bonus structure and the welcome miles.
Welcome Miles Offer: 15,000 Miles for New Cardholders
The welcome offer on the BOBCARD Etihad Guest Premium card provides up to 15,000 Etihad Guest Miles in two tranches. Both tranches have specific conditions that must be met within the first 60 days of card issuance.
| Tranche | Condition | Miles Earned | When Credited |
|---|---|---|---|
| Welcome bonus | Pay joining fee + spend ₹25,000 within first 60 days | 10,000 miles | Within 90 days of meeting conditions |
| Additional bonus | Reach cumulative spend of ₹50,000 within first 60 days | 5,000 miles | Within 90 days of meeting conditions |
| Total | Both conditions met within 60 days | 15,000 miles | Credited to Etihad Guest account |
Source: bobcard.co.in/credit-card-types/bobcard-etihad-guest-premium. Check for current offer validity - limited period windows have applied previously (January–February 2026, April 2026, May 2026). Last verified: 9 May 2026.
Critical condition: The joining fee payment is mandatory for the welcome miles. The 10,000 miles require BOTH ₹25,000 spend AND joining fee payment. If you pay the joining fee but do not reach ₹25,000 spend within 60 days, or reach the spend but do not pay the joining fee, the 10,000 miles do not credit. Both conditions must be met simultaneously.
Miles are credited to your Etihad Guest account - not to the BOBCARD account. You need an active Etihad Guest membership number to receive the miles. If you do not have an Etihad Guest account, create one free at etihad.com/etihadguest before applying for the card, then link the membership number during the application.
How to Claim Welcome Miles
- Ensure your Etihad Guest membership number is linked to your BOBCARD Etihad account at time of application.
- Pay the ₹5,000 + GST joining fee - this can be done by paying the first statement in full.
- Spend ₹25,000 within 60 days of card issuance for the first 10,000 miles.
- Continue spending to ₹50,000 cumulative within the same 60-day window for the additional 5,000 miles.
- Miles credit within approximately 90 days of conditions being met. Check your Etihad Guest account at etihad.com/etihadguest.
If miles do not appear within 90 days: contact BOBCARD customer care at 1800 103 1006 with your card number and Etihad Guest membership number.
Active Merchant Offers - May–June 2026
BOBCARD updates its merchant offer page (bobcard.co.in/festive) regularly. The following offers have been verified as active at time of writing. Always confirm current validity and promo codes at bobcard.co.in/festive before transacting.
MakeMyTrip - Up to 15% Instant Discount (Valid till 30 June 2026)
This is the highest-value recurring merchant offer for BOBCARD Etihad cardholders. The discount is instant - applied at checkout - not cashback or miles.
| Booking Type | Discount | Maximum Discount | Minimum Booking | Promo Code |
|---|---|---|---|---|
| Domestic Flights | 12% instant | ₹1,600 | ₹7,000 | MMTBOBEMI |
| International Flights | 10% instant | ₹7,000 | ₹30,000 | MMTBOBINTEMI |
| Domestic Hotels | 15% instant | ₹5,000 | ₹3,000 | MMTBOBEMI |
| International Hotels (select) | 15% instant | ₹15,000 | ₹2,500 | MMTBOBINTEMI |
| International Hotels (other) | 10% instant | ₹15,000 | ₹2,500 | MMTBOBINTEMI |
Important: Offer valid ONLY on Tuesdays and Fridays. Applicable ONLY on BOBCARD EMI transactions (3 or 6 months interest-free EMI). Valid once per card per month per product category. Not valid on NR, Corporate, or Commercial cards. Source: bobcard.co.in/credit-card-offer/travel/up-to-15-instant-discount-on-makemytrip. Last verified: 9 May 2026.
Milestone Bonus Miles: The Built-In Offers That Keep Earning
Beyond merchant deals, the BOBCARD Etihad Guest Premium card has three tiers of spend-linked bonus miles that function as permanent offers - they activate every time you hit the threshold, month after month, quarter after quarter, year after year.
| Bonus Type | Spend Threshold | Bonus Miles | Applies | How to Claim |
|---|---|---|---|---|
| Monthly bonus | 4 transactions totalling ₹50,000 in one statement month | 500 miles | Once per month | Automatic - no action required. Miles credit after statement generation. |
| Quarterly bonus | ₹3,00,000 spend in a calendar quarter | 4,000 miles | Once per quarter | Automatic - credited after quarter closes. |
| Annual bonus | ₹12,00,000 spend in anniversary year | 24,000 miles | Once per year | Automatic - credited after anniversary year ends. |
Source: BOBCARD Etihad Guest Premium product page (bobcard.co.in). All milestones apply to BOBCARD Etihad Guest Premium card. Base card (non-Premium) has lower thresholds and lower bonus miles. Last verified: 9 May 2026.
Bonus miles from milestones are credited to your Etihad Guest account within a few days of the statement being generated for that period. They are not instant - they appear after the statement cycle closes for monthly bonuses, after the quarter closes for quarterly bonuses, and after the anniversary year closes for the annual bonus.
Practical note on the monthly bonus: The ₹50,000 monthly threshold for just 500 bonus miles is the least efficient of the three milestones. 500 miles on ₹50,000 spend is 0.1% additional return. Focus on the quarterly (4,000 miles at ₹3,00,000) and annual (24,000 miles at ₹12,00,000) bonuses for meaningful accumulation.
Base Earn Rate: Miles on Every Transaction
Every transaction on the BOBCARD Etihad Guest Premium card earns miles at the base rate - this is the permanent, ongoing 'offer' that applies without any special conditions or time limits.
| Spend Category | Miles Earned | Effective % Return* | Notes |
|---|---|---|---|
| Etihad Airways flights & ancillaries | 6 miles per ₹100 | ~0.5–0.8% | Book via etihad.com for maximum earn |
| All other domestic spends | 2 miles per ₹100 | ~0.17–0.27% | Applies to dining, shopping, travel, utilities |
| International spends (non-Etihad) | 2 miles per ₹100 | ~0.17–0.27% + 0% forex saving | 0% forex applies on all international txns |
| Fuel transactions | Fuel surcharge waiver only | No miles | 1% surcharge waiver on ₹500–₹5,000 txns |
| Excluded categories | 0 miles | - | Education, hospital, insurance, supermarkets, fast food (MCC 5814), telecom, govt spends, wallet loads |
*Effective % return estimated at ₹0.50–₹0.80 per Etihad Guest Mile (conservative India redemption range). Miles credited to Etihad Guest account within 3 days of monthly statement generation. Source: BOBCARD MITC, bobcard.co.in. Last verified: 9 May 2026.
Important exclusion to note: CardExpert's independent review highlights that BOBCARD Etihad's exclusion list is unusually long for a premium card. Supermarkets, fast food (MCC 5814), telecom, hospital, education, and government spends earn zero miles. This means that a significant portion of everyday urban spending does not qualify for the accelerated earn. Plan your spending accordingly - route eligible categories through the card, use other cards or UPI for excluded categories.
How to Track Your Miles and Verify Offers Are Credited
For Etihad Guest Miles earned on card spend
Miles earned on card transactions are credited to your Etihad Guest account within 3 days of your monthly BOBCARD statement being generated. Log in to etihad.com/etihadguest to check your balance. If miles from a specific transaction do not appear within 5 days of your statement date, contact BOBCARD customer care at 1800 103 1006 with your card number and the transaction date.
Frequently Asked Questions
Disclaimer: This article is for informational purposes only. All offers, discounts, earn rates, and conditions are subject to change without notice. Data sourced from BOBCARD's official offers page (bobcard.co.in/festive), BOBCARD MITC, and product pages as of 9 May 2026. Always verify current offer terms at bobcard.co.in before transacting. BOBCARD Limited (formerly BOB Financial Solutions Limited) is a 100% subsidiary of Bank of Baroda and an RBI-regulated entity. Readers are advised to refer to the MITC available at bobcard.co.in before making any financial decision.
