Bank of Baroda Etihad Guest Credit Card – Benefits, Fees & Eligibility

Introduction

BOBCARD Etihad Guest Credit Card is a travel-focused co-branded credit card issued by BOBCARD Limited in partnership with Etihad Guest. It is positioned as a premium travel card offering a low 1% foreign currency markup, accelerated miles earning on Etihad Airways, and complimentary Etihad Guest tier upgrade. The card is designed for frequent travelers and Etihad loyalists, providing a pathway to earn and redeem Etihad Guest Miles on everyday spending.

Welcome Benefits

• Earn 7,500 Extra Etihad Guest Bonus Miles as a welcome offer.
• 5,000 joining miles are awarded on spends of ₹25,000 in the first 60 days and upon payment of the joining fee.
• 2,500 spend-based miles are awarded on cumulative spends of ₹50,000.
• Complete your first transaction on Etihad.com within 6 months to unlock additional benefits.

Fees & Charges Breakdown

• Joining Fee: ₹2,500 + GST
• Annual/Renewal Fee: ₹2,500 + GST
• Spend-Based Fee Waiver: The annual fee is waived on spending ₹3,00,000 or more in every anniversary year.
• Foreign Currency Markup: 1% forex markup on international transactions.
• Fuel Surcharge Waiver: 1% fuel surcharge waiver is applicable at all fuel stations across India on transactions between ₹500 and ₹5,000. The maximum waiver is ₹250 per statement cycle. No cashback or reward points are earned on fuel transactions.
• Interest Rates: Details regarding revolving credit interest rates are available in the Most Important Terms & Conditions (MITC) document.
• Cash Advance Charges: Details regarding cash advance fees are available in the MITC document.

Rewards & Cashback Structure

• Earning Rate:
  • Earn 3 Miles per ₹100 on Etihad Airways spends.
  • Earn 1 Mile per ₹100 on all other domestic and cross-border spends.
• Bonus Miles:
  • Monthly Bonus: Earn a bonus of 250 Miles on completing any 4 transactions totaling ₹25,000. This is valid once per month.
  • Quarterly Bonus: Earn a bonus of 2,000 Miles on quarterly spends of ₹2,00,000. This is valid once per quarter.
  • Annual Bonus: Earn a bonus of 12,000 Miles on meeting the annual spend threshold.
• Redemption: Miles earned can be redeemed only on the Etihad platform.
• Mile Validity: The validity of Etihad Guest Miles is as per the Etihad Guest Tier status of the cardholder.

Travel, Lounge & Lifestyle Perks

• Lounge Access:
  • 8 complimentary domestic lounge visits per year, with a cap of 2 visits per quarter.
  • 4 complimentary international lounge visits per year, with a cap of 1 visit per quarter.
• Complimentary Tier Upgrade: The card offers a complimentary Etihad Guest Tier upgrade.
• Fuel Surcharge Waiver: 1% fuel surcharge waiver is available on transactions between ₹500 and ₹5,000, capped at ₹250 per statement cycle.
• Smart EMI Option: Transactions above ₹2,500 can be converted into Smart EMIs with tenures ranging from 6 to 48 months.
• Contactless Payments: The card is enabled with wireless chip technology for secure and faster contactless payments. It can also be added to Google Pay for QR-based payments on Android devices.
• Deals & Discounts: Access to discounted deals through regular BOBCARD partnerships with popular brands across multiple shopping categories.

Card Eligibility Criteria & Income Requirements

• Residency: Indian resident.
• Age: Minimum 21 years and maximum 60 years.
• Employment: Open to both salaried and self-employed individuals.
• Identity Verification: PAN card is mandatory. Aadhaar is used for digital identity and address verification.

Important Product Details

• Positive Highlights:
  • Low 1% foreign currency markup.
  • Multiple avenues to earn bonus miles (monthly, quarterly, annually).
  • Complimentary domestic and international lounge access.
  • Annual fee waiver on meeting the spend threshold.
• Negative Highlights:
  • No reward points or cashback are earned on fuel transactions.
  • Miles can only be redeemed on the Etihad platform.
• UPI Linking: The card can be added to Google Pay for contactless and QR-based payments on Android devices.

Other Details

• The co-branded credit card is brought in collaboration with Etihad Guest, and the value proposition may be funded jointly by BOBCARD Limited and the co-brand partner, with potential revenue sharing between the two parties.
• For detailed terms and conditions, refer to the BOBCARD Etihad MITC & Key Fact Statement available on the BOBCARD website.