BOBCARD Etihad Guest Credit Card Review 2026 | Card24.ai
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BOBCARD Etihad Guest Credit Card Review 2026

Earn Etihad Guest Miles on every spend- 3 miles per ₹100 on Etihad, lounge access, and 1% forex markup.

3.8
/5
Card24 Score
Fees Score
4
Miles Score
4
Travel Benefits
4
Last reviewed May 2026 · Card24.ai editorial team
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BOBCARD Etihad Guest
Annual Fee
₹2,500 + GST
Miles Rate
3 miles/₹100*
Forex Markup
1%
Welcome Miles
2,500*

Credit Card Verdict - Etihad Guest Review

What we like

  • Lounge access- 8 domestic + 4 international
  • Etihad Guest Silver tier on first card transaction
  • 3 miles/₹100 on Etihad spends
  • Monthly + quarterly + annual milestone bonuses
  • ₹2,500 annual fee- waived on ₹3L annual spend

Watch out for

  • Miles redeemable only on Etihad platform
  • 1% forex markup - useful but not zero like the Premium variant
  • Mile value is low without premium cabin redemptions - poor for cashback equivalence

*Miles earned at 3/₹100 on Etihad Airways and 1/₹100 on all other eligible spends. Miles redeemable only on Etihad platform. Milestone bonuses applicable once per respective period. Lounge access: 2 domestic visits per quarter, 1 international per quarter - no spend condition. Etihad Guest tier validity and mile expiry as per Etihad Guest programme terms. Terms and conditions apply.

Credit Card Achievers - Etihad Guest Review

Is BOBCARD Etihad Guest Worth It in 2026?

Yes - if you fly Etihad at least 2–4 times a year and want a low-fee entry into the Etihad Guest ecosystem. For occasional Etihad flyers, this card pays for itself quickly.

Here's the math that works in your favour: the lounge access alone - 8 domestic + 4 international per year with no spend condition - is worth ₹4,000–₹8,000 in real value at typical lounge rates of ₹500–₹700 per visit. The 2,500 welcome miles get you approximately ₹1,000–₹1,500 in flight redemption value.

BOBCARD Etihad Guest is the only entry-level Etihad co-brand card in India with both domestic and international lounge access - at zero spend conditions - for ₹2,500 a year.

BOBCARD Etihad Guest Credit Card Benefits

How to Get the Most Out of BOBCARD Etihad Guest?

Make at least 4 transactions totaling ₹25,000 in every calendar month to unlock 250 bonus miles. The easiest way: set recurring subscriptions, dining, and grocery spends on this card.

Spend ₹2,00,000 per quarter to earn 2,000 bonus miles every quarter - 8,000 per year. Route travel bookings, dining, and large purchases through this card each quarter.

Always book Etihad flights directly at etihad.com (not via OTAs) to earn 3 miles/₹100 instead of 1. On a ₹50,000 flight, that's 1,500 miles vs 500 - a 3× difference.

Your Etihad Guest Silver tier is activated on your first card transaction - use the card on any small purchase within the first week of issuance to lock in status.

BOBCARD Etihad Guest Fees, Annual Fee Waiver & LTF Offer

Joining Fee ₹2,500 + GST
Annual Renewal Fee ₹2,500 + GST
Annual Fee Waiver Waived on spending ₹3,00,000 in the card anniversary year
Forex / International Markup 1% + GST on all international transactions

BOBCARD Etihad Guest Eligibility & Documents

Age 21-60 years
Minimum annual income ₹6,00,000
Documents required PAN card · Aadhaar · Last 2 months salary bank statement
Residency Indian resident only

Applying when ineligible creates a hard credit inquiry that may lower your CIBIL score. Verify your eligibility before applying.

How to Apply for BOBCARD Etihad Guest

The application process is entirely online and takes about 5-7 minutes.

1

Fill the Application - Enter your basic details on this page- name, income, employment type. Takes under 2 minutes. Card24.ai passes your details to BOBCARD's application system securely.

2

OTP verification - Complete Aadhaar-based OTP authentication for identity verification. This is BOBCARD's standard paperless KYC process.

3

Video KYC - BOBCARD may request a short Video KYC session- a 2-minute video call where an agent verifies your face against your Aadhaar. Keep your PAN card handy. Usually scheduled within 24 hours.

4

Approval decision - Most applicants receive a decision within 24-48 hours. If approved, your digital card is available immediately for online transactions.

5

Physical card dispatch - Your physical card arrives in 3-7 working days. Activate it via the BOBCARD app or by calling customer care.

Check Your Eligibility
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Frequently Asked Questions

The BOBCARD Etihad Guest Credit Card is a co-branded travel credit card launched in January 2026, in partnership between BOBCARD and Etihad Guest. It earns Etihad Guest Miles on every spend - 3 miles/₹100 on Etihad Airways and 1 mile/₹100 on all other transactions. It also includes complimentary domestic and international lounge access, an Etihad Guest Silver tier upgrade, and milestone bonuses.
You get 8 complimentary domestic airport lounge visits (2 per quarter) and 4 international lounge visits (1 per quarter) per year - with no spend condition required. Visits are capped per quarter and cannot be carried over to the next quarter.
The joining and annual fee is ₹2,500 + GST. The annual fee is waived if you spend ₹3,00,000 or more in the card anniversary year. At ₹25,000 per month average, the fee waiver is achievable for most urban professionals.
You earn 3 Etihad Guest Miles for every ₹100 spent directly on Etihad Airways (via etihad.com) and 1 Mile per ₹100 on all other domestic and international transactions. Additional milestone bonuses are available monthly (250 miles), quarterly (2,000 miles), and annually (12,000 miles) on meeting spend conditions.
Etihad Guest Miles can only be redeemed on the Etihad platform - for flights, upgrades, excess baggage, and partner services on Etihad Airways. Miles cannot be transferred to other airline or hotel loyalty programmes.
You are automatically upgraded to Etihad Guest Silver tier on completing your first transaction with the BOBCARD Etihad Guest Card. Silver benefits include priority check-in and Etihad Reward Shop access. Tier validity is governed by Etihad Guest programme terms.
The minimum net annual income required is ₹18,00,000 (₹18 LPA) for both salaried and self-employed applicants. This is the same requirement as the BOBCARD Etihad Guest Premium card. Age eligibility is 21–60 years.
Yes. The BOBCARD Etihad Guest card charges a 1% + GST forex markup on international transactions. While not zero, this is significantly lower than the industry standard of 3.5%. You continue to earn 1 mile per ₹100 on international spends. If you need zero forex markup, the BOBCARD Etihad Guest Premium card offers that benefit.