Bank of Baroda Etihad Guest Credit Card VS Bank of Baroda Etihad Guest Premium Credit Card VS Etihad Guest SBI Credit Card VS Etihad Guest SBI Premier Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
Bank of Baroda Etihad Guest Credit Card
Bank of Baroda Etihad Guest Premium Credit Card
Etihad Guest SBI Credit Card
Etihad Guest SBI Premier Credit Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
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.
Enjoy a high reward rate on all Etihad Airways bookings made directly via their platform.
Receive generous welcome benefits including Etihad Guest Miles and complimentary Silver tier status.
Access comprehensive travel benefits like domestic lounge visits and Priority Pass membership.
Benefit from useful insurance covers, including air accident, lost baggage, and fraud liability.
Get your annual fee waived by achieving a reasonable spend milestone in the preceding year.
Pros
Key benefits and features.
High reward rates on Etihad and international transactions maximize mile accumulation.
Substantial welcome benefits, including Gold tier status and valuable bonus miles on joining.
Offers valuable milestone rewards like a companion voucher and quarterly bonus miles on spends.
Comprehensive travel perks, including complimentary domestic and international airport lounge access.
Annual fee easily waived by spending Rs. 5,00,000, making it value for money.
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.
Reward rates are lower for general spends compared to international or Etihad-specific transactions.
The 1% fuel surcharge waiver is capped at Rs. 250, limiting benefits for high fuel spenders.
A significant foreign currency markup of 3.5% plus taxes applies to all international transactions.
Beware of the high interest rate of 3.5% per month on any outstanding or unpaid balances.
Cons
Key drawbacks and limitations.
The annual fee of Rs. 4,999 + GST is relatively high, requiring substantial use.
Reward point accrual is capped at 40,000 Etihad Guest Miles annually.
Fuel surcharge waiver is capped at Rs. 250 per statement cycle, limiting savings.