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

India's only metal credit card with 0% forex, Etihad Gold tier fast-track, and 6 miles per ₹100 on Etihad spends. Built for serious international travelers.

4.2
/5
Card24 Score
Fees Score
4
Miles Score
4
Travel Benefits
5
Last reviewed May 2026 · Card24.ai editorial team
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BOBCARD Etihad Guest Premium
Annual Fee
₹5,000 + GST
Miles Rate
6 miles/₹100*
Forex Markup
0%
Welcome Miles
5,000 miles*

Credit Card Verdict - Etihad Guest Premium Review

What we like

  • 5,000 welcome miles + up to 29,500 bonus miles/year via milestones
  • 0% forex markup - every rupee spent abroad comes back in full
  • Etihad Gold tier fast-track - just one transaction on etihad.com after card activation
  • Metal card with engraved name
  • 12 domestic + 8 international lounge visits
  • Annual fee waiver on ₹5L spend

Watch out for

  • Miles redeemable only on Etihad platform
  • Etihad Gold lounge benefit must be selected within 30 days of tier upgrade
  • ₹5,000 annual fee - breaks even only if you use lounge access or fly Etihad regularly
  • High income bar - ₹12 LPA, same as standard card.

*Miles earned at 6/₹100 on Etihad Airways and 2/₹100 on all other eligible spends. Miles redeemable only on Etihad platform. Milestone bonuses applicable once per respective period. Lounge access: 3 domestic per quarter, 2 international per quarter - no spend condition. Etihad Gold lounge access is a custom benefit - select within 30 days of tier upgrade. Miles validity per Etihad Guest tier. Terms and conditions apply.

Credit Card Achievers - Etihad Guest Premium Review

Is BOBCARD Etihad Guest Premium Worth It in 2026?

Yes - for frequent Etihad flyers who travel internationally 4+ times a year and spend ₹5 lakh or more annually on the card. For that profile, this card is hard to beat.

The Gold tier fast-track is the headline benefit. Getting Etihad Guest Gold through flying normally requires 50,000 Tier Miles. With this card, one transaction on etihad.com after activation delivers Gold status. Gold benefits include business class lounge access (self + 1 guest) on Etihad flights, chauffeur service on First/Business GuestSeat bookings, and 4 custom privileges per year.

Add zero forex markup on international spend, 6 miles/₹100 on Etihad bookings, 12 domestic + 8 international lounge visits, and a milestone structure that can deliver.

BOBCARD Etihad Guest Premium is the only credit card in India that gives Etihad Guest Gold tier - normally requiring 50,000 Tier Miles to earn - with a single card transaction on etihad.com.

BOBCARD Etihad Guest Premium Credit Card Benefits

How to Get the Most Out of BOBCARD Etihad Guest Premium?

On day one, make a small transaction on etihad.com - a seat selection, flight search, or any nominal booking - to trigger your Etihad Guest Gold tier upgrade. Then, within 30 days of the upgrade, log into your Etihad Guest account and select 'airport lounge access' as one of your 4 custom annual benefits. Without selecting it, Gold lounge access does not activate automatically.

Make at least 4 transactions totalling ₹50,000 every calendar month to earn 500 bonus miles. Over 12 months, that's 6,000 free bonus miles. The ₹50,000 threshold is equivalent to ₹12,500 per week - achievable if you route dining, travel, and regular bills through this card.

Spend ₹3,00,000 per quarter (₹1,00,000/month) to earn 4,000 bonus miles every quarter - 16,000 per year. Route all domestic travel, hotel stays, and online purchases through this card. Stack with base 2 miles/₹100: ₹3L quarterly spend alone earns 6,000 base miles + 4,000 bonus = 10,000 miles per quarter.

Always book Etihad flights at etihad.com to earn 6 miles/₹100 instead of 2. On a ₹1,00,000 business class ticket, that's 6,000 miles vs 2,000 - a 3× difference.

You get 3 domestic + 2 international lounge visits per quarter - capped per quarter, not rolled over. Plan your travel so you use all 5 quarterly visits. 3 domestic visits at ₹700 average = ₹2,100 value per quarter, ₹8,400/year in domestic alone.

Fees & Charges

Joining Fee ₹5,000 + GST
Annual Renewal Fee ₹5,000 + GST
Annual Fee Waiver Waived on spending ₹5,00,000 in the card anniversary year
Forex / International Markup 0% - zero forex markup on all international transactions
Fuel Surcharge Waiver 1% waiver on transactions between ₹500 and ₹5,000. Max ₹250/cycle.

BOBCARD Etihad Guest Premium Eligibility & Documents

Age 21-60 years
Minimum annual income ₹12,00,000
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 Premium

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 Premium is a metal co-branded travel credit card launched in January 2026 by BOBCARD in partnership with Etihad Guest. It earns 6 Etihad Guest Miles per ₹100 on Etihad Airways and 2 miles per ₹100 on all other spends, with zero forex markup, fast-track Etihad Guest Gold tier, and 12 domestic + 8 international lounge visits per year.
You receive Etihad Guest Silver tier automatically on your first card transaction. To reach Gold, complete your first transaction on etihad.com within 6 months of card issuance - even a small booking like seat selection qualifies. Once upgraded to Gold, log into your Etihad Guest account within 30 days and select 'airport lounge access' as one of your 4 custom annual benefits. Gold lounge access does not activate automatically.
Zero. The BOBCARD Etihad Guest Premium card charges 0% forex markup on all international transactions. There are no currency conversion charges added to your statement. This is unique among BOBCARD cards - the standard Etihad Guest card charges 1%, while Eterna and Tiara charge 2%.
12 complimentary domestic lounge visits per year (3 per quarter) and 8 international lounge visits per year (2 per quarter) - with no minimum spend condition. Visits are capped per quarter and cannot be carried over. Additionally, Etihad Guest Gold cardholders get business class lounge access on Etihad flights as a separate custom benefit (must be selected within 30 days of Gold upgrade).
The joining and annual fee is ₹5,000 + GST. The annual fee is waived if you spend ₹5,00,000 or more in the card anniversary year - approximately ₹41,667 per month. For a frequent Etihad flyer spending on travel, dining, and everyday purchases, this threshold is achievable.
Standard welcome miles: 5,000 Etihad Guest Miles on paying the joining fee and spending ₹25,000 within the first 60 days. Limited-time offer (valid till May 31, 2026): earn up to 15,000 total miles - 10,000 on ₹25,000 spend + 5,000 extra on cumulative ₹50,000 spend within 60 days. Bonus miles are credited after 60 days from issuance.
Yes. Add the BOBCARD Etihad Guest Premium Mastercard to Google Pay on Android devices for contactless payments and QR code scans. Miles are earned on eligible GPay transactions. Note: the card is on Mastercard, not RuPay, so it cannot be linked for UPI-based credit card transactions on PhonePe or BHIM.
The minimum net annual income required is ₹12,00,000 (₹12 LPA) for both salaried and self-employed applicants. This is the same requirement as the standard BOBCARD Etihad Guest card. Age eligibility is 21–60 years for both variants.