Bank of Baroda CASHBACK Credit Card VS Bank of Baroda Etihad Guest Credit Card VS Bank of Baroda Etihad Guest Premium Credit Card VS Bank of Baroda PRIME Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
Bank of Baroda CASHBACK Credit Card
Bank of Baroda Etihad Guest Credit Card
Bank of Baroda Etihad Guest Premium Credit Card
Bank of Baroda PRIME Credit Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
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
Pros
Key benefits and features.
Zero forex markup makes it ideal for international spending without hidden costs.
Complimentary Etihad Guest Silver Tier provides priority services and extra baggage.
Multi-tiered milestone bonuses offer a clear path to earning significant bonus miles.
Spend-based annual fee waiver of ₹5,000 on crossing ₹5 Lakhs in a year.
Pros
Key benefits and features.
Lifetime free card with zero joining and zero annual renewal fees forever.
Guaranteed issuance against a fixed deposit, no income documentation required.
RuPay network enables direct UPI integration for convenient merchant payments.
Simple flat reward rate of 2 points per ₹100 on most spending categories.
Zero liability protection ensures complete fraud cover if card loss is reported promptly.
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
Cons
Key drawbacks and limitations.
Etihad Guest Miles can only be redeemed on the Etihad platform, limiting flexibility.
No reward points or cashback are earned on fuel transactions.
The joining fee of ₹5,000 is non-reversible even if the card is closed early.
Lounge access is capped with quarterly limits on both domestic and international visits.
Cons
Key drawbacks and limitations.
Low reward rate of only 0.4% cashback (2 points per ₹100 at ₹0.20 each).
No lounge access, travel perks, or lifestyle benefits like dining or movie offers.
Fuel transactions are excluded from earning any Reward Points.
No milestone benefits or spend-based bonus rewards to accelerate earnings.
Key charges like interest rates and forex markup are not transparently disclosed.