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Bank of Baroda CASHBACK Credit Card VS Bank of Baroda Etihad Guest Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 30 July 2026
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CheQ AU Credit Card

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CheQ AU Credit Card
Bank of Baroda CASHBACK Credit Card
Bank of Baroda CASHBACK Credit Card
Bank of Baroda Etihad Guest Credit Card
Bank of Baroda Etihad Guest Credit Card

Fees & Charges

Joining Fee₹499 + GST
Joining Fee₹2,500 + GST
Renewal Fee₹499 + GST
Renewal Fee₹2,500 + GST
Spend Based Waiver
Spend Based WaiverWaived on annual spend of ₹3,00,000
Foreign Transaction Fees
Foreign Transaction Fees1%
Interest Rate (APR)
Interest Rate (APR)As per MITC document

Rewards & Benefits

Welcome Bonus- No specific welcome benefits, joining vouchers, or bonus reward points are offered on this card.
Welcome BonusEarn 7,500 Extra Etihad Guest Bonus Miles: 5,000 on ₹25,000 spend in 60 days + 2,500 on ₹50,000 cumulative spend
Rewards Rate5% cashback on online spends (up to ₹1,500/month) and unlimited 1% on other spends.
Rewards Rate3 Miles/₹100 on Etihad Airways; 1 Mile/₹100 on other spends
Reward TypeCashback
Reward TypeAir Miles
Reward Redemption FeeNot applicable, as cashback is automatically credited.
Reward Redemption Fee

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access8 complimentary visits per year, capped at 2 per quarter
International Lounge Access
International Lounge Access4 complimentary visits per year, capped at 1 per quarter
Travel Benefits
Travel BenefitsComplimentary Etihad Guest Tier upgrade; 1% forex markup
Movie Benefits
Movie Benefits
Dining Benefits
Dining Benefits
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% waiver on fuel transactions between ₹400-₹5,000, capped at ₹250 per statement cycle.
Fuel Surcharge Waiver1% waiver on ₹500-₹5,000, max ₹250/cycle; no rewards on fuel

Security & Other

Insurance Benefits
Insurance Benefits
Cash Advance ChargesCash withdrawals at ATMs are not eligible for cashback.
Cash Advance ChargesAs per MITC document
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Bank of Baroda CASHBACK Credit Card

Bank of Baroda Etihad Guest Credit Card

Who is it for?

The Bank of Baroda CASHBACK Credit Card is an entry-level cashback card offering 5% cashback on online spends and unlimited 1% on other purchases. Cashback is automatically credited monthly, making it a hassle-free choice for everyday spending. It includes lifetime free add-on cards and contactless payment features, ideal for users seeking simple, no-fuss rewards.

Who is it for?

The Bank of Baroda Etihad Guest Credit Card is a premium travel credit card designed for frequent flyers and Etihad loyalists. It offers a low 1% foreign currency markup, accelerated miles on Etihad Airways spends, and multiple bonus mile opportunities. Cardholders enjoy complimentary domestic and international lounge access, an Etihad Guest tier upgrade, and an annual fee waiver on meeting the spend threshold.

Pros

Key benefits and features.

High 5% cashback rate on online spends, ideal for e-commerce shoppers.

Cashback is automatically credited monthly, eliminating manual redemption hassles.

Unlimited 1% cashback on all other eligible spends with no earning caps.

Lifetime free add-on cards for up to 3 family members.

Contactless enabled and compatible with Google Pay for QR payments.

Pros

Key benefits and features.

Low 1% forex markup makes it ideal for international travelers

Multiple bonus mile opportunities on meeting monthly, quarterly, and annual spend thresholds

Complimentary domestic and international lounge access included

Annual fee waiver achievable on spending ₹3,00,000

Complimentary Etihad Guest tier upgrade for frequent flyers

Cons

Key drawbacks and limitations.

Cashback is not applicable on fuel transactions, limiting rewards for vehicle owners.

The card cannot be upgraded to or from other BOBCARD variants.

No welcome benefits, joining vouchers, or bonus reward points offered.

No lounge access, travel, or lifestyle perks beyond fuel surcharge waiver.

Minimum 4 transactions per statement cycle required to earn accelerated cashback.

Cons

Key drawbacks and limitations.

No reward points or cashback earned on fuel transactions

Miles can only be redeemed on the Etihad platform, limiting flexibility

Joining and annual fees are relatively high at ₹2,500 plus GST

Lounge access is capped per quarter, restricting frequent use

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
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