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

Introduction

The BOBCARD Etihad Guest Premium Credit Card is a premium travel-focused credit card issued by BOBCARD Limited in partnership with Etihad Guest. It is positioned as a high-end metal card designed for frequent travelers, offering a direct pathway to earning Etihad Guest Miles on everyday and travel spending. Its top differentiating benefits include a 0% foreign currency markup on international transactions, complimentary Etihad Guest Silver Tier status, and a generous multi-tiered bonus miles structure spanning monthly, quarterly, and annual milestones.

Welcome Benefits

• Earn 15,000 Extra Etihad Guest Bonus Miles as a welcome offer, structured as follows:
  • 10,000 joining miles awarded upon payment of the joining fee and on making spends of ₹25,000 within the first 60 days.
  • 5,000 spend-based miles awarded on achieving cumulative spends of ₹50,000.
• Complimentary Etihad Guest Silver Tier Status is provided on the first card.

Fees & Charges Breakdown

• Joining Fee: ₹5,000 + GST. This fee is levied on the card issuance date and is not reversible.
• Annual/Renewal Fee: ₹5,000 + GST.
• Spend-Based Fee Waiver: The annual fee is waived if the cardholder achieves spends of ₹5,00,000 or more in every anniversary year.
• Foreign Currency Markup: 0% forex markup on all cross-border transactions.
• Fuel Surcharge Waiver: A 1% fuel surcharge waiver is applicable at all fuel stations across India on transactions between ₹500 and ₹5,000. The maximum waiver is capped at ₹250 per statement cycle. No cashback or reward points are earned on fuel transactions.
• Interest Rates: Details regarding interest rates are available in the Most Important Terms & Conditions (MITC) document.
• Cash Advance Charges: Details regarding cash advance charges are available in the MITC document.
• Add-on Card Fee: Details regarding add-on card fees are not specified.

Rewards & Cashback Structure

• Earning Rate:
  • Earn 6 Miles per ₹100 spent on Etihad Airways.
  • Earn 2 Miles per ₹100 on all other domestic and cross-border spends.
• Bonus Miles Milestones:
  • Monthly Bonus: Earn a bonus of 500 Miles upon completing any 4 transactions totaling ₹50,000. This is valid once per month.
  • Quarterly Bonus: Earn a bonus of 4,000 Miles on achieving quarterly spends of ₹3,00,000. This is valid once per quarter.
  • Annual Bonus: Earn a bonus of 24,000 Miles on meeting the annual spend threshold.
• Reward Redemption: Etihad Guest Miles earned can be redeemed only on the Etihad platform.
• Point Expiry: The validity of Etihad Guest Miles is determined by the cardholder's Etihad Guest Tier status.
• Exclusions: No cashback or reward points are earned on fuel transactions.

Travel, Lounge & Lifestyle Perks

• Airport Lounge Access:
  • Domestic Lounges: 12 complimentary visits per year, with a usage limit of 3 visits per quarter.
  • International Lounges: 8 complimentary visits per year, with a usage limit of 2 visits per quarter.
• Lifestyle & Other Perks:
  • Smart EMI Option: Cardholders can convert purchases of over ₹2,500 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.
  • Google Pay Integration: The card can be added to Google Pay (on Android devices) for seamless contactless payments and earning travel rewards on everyday QR scans.
  • Deals & Discounts: Access to discounted deals through regular BOBCARD partnerships with popular brands across multiple shopping categories.

Card Eligibility Criteria & Income Requirements

• Nationality: Indian resident.
• Age: Minimum 21 years and maximum 60 years.
• Employment Type: Both salaried and self-employed individuals are eligible.
• Identity Verification: PAN Card is mandatory. Aadhaar is used for digital identity and address verification.
• Application Process: The application journey is fully digital. With the applicant's consent, required details are verified automatically, potentially eliminating the need to upload documents. The process involves filling an online application using Aadhaar or PAN, followed by Video KYC for identity verification.

Credit Card Review

The BOBCARD Etihad Guest Premium Credit Card is a compelling choice for frequent travelers, particularly those who prefer flying with Etihad Airways and its partner airlines. The 0% forex markup makes it an excellent companion for international travel, while the structured welcome and milestone bonuses provide a clear path to accumulating a significant number of miles. The card is best suited for high-spending individuals who can meet the quarterly and annual spend thresholds to unlock the full bonus potential and the annual fee waiver. The primary drawback is the restriction of mile redemption solely to the Etihad platform, which limits flexibility compared to general travel cards.

Important Product Details

• Card Variant: The card is a solid metal card with the cardholder's name engraved on it, offering a premium look and feel.
• UPI Linking: The card can be linked to Google Pay for contactless payments via QR codes on Android devices.
• Key Positives:
  • 0% foreign currency markup on all international spends.
  • Complimentary Etihad Guest Silver Tier status.
  • Generous and multi-tiered welcome and milestone bonus miles.
  • Spend-based annual fee waiver.
• Key Considerations:
  • Etihad Guest Miles can only be redeemed on the Etihad platform.
  • No reward points or cashback are earned on fuel transactions.
  • The joining fee is non-reversible.

Other Details

• The co-branded credit card is a collaboration between BOBCARD Limited and Etihad Guest. The value proposition may be funded jointly by both parties, and there may be revenue sharing between them.
• For detailed terms and conditions, refer to the BOBCARD Etihad MITC & Key Fact Statement available on the BOBCARD MITC Section.