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Etihad Guest SBI 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
Etihad Guest SBI Credit Card
Etihad Guest SBI Credit Card
Bank of Baroda Etihad Guest Credit Card
Bank of Baroda Etihad Guest Credit Card

Fees & Charges

Joining Fee₹1,499 + GST
Joining Fee₹2,500 + GST
Renewal Fee₹1,499 + GST
Renewal Fee₹2,500 + GST
Spend Based WaiverAnnual fee waived from 2nd year on ₹3,00,000+ annual spends in the previous year.
Spend Based WaiverWaived on annual spend of ₹3,00,000
Foreign Transaction Fees3.5% plus applicable taxes
Foreign Transaction Fees1%
Interest Rate (APR)3.5% per month (42% annually)
Interest Rate (APR)As per MITC document

Rewards & Benefits

Welcome Bonus2,500 Etihad Guest Miles, complimentary Etihad Guest Silver tier status, and 1 free Wi-Fi voucher.
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 RateEarn 3 miles on Etihad.com, 2 miles on international, and 1 mile on other spends per Rs. 100.
Rewards Rate3 Miles/₹100 on Etihad Airways; 1 Mile/₹100 on other spends
Reward TypeReward Points
Reward TypeAir Miles
Reward Redemption FeeNil
Reward Redemption Fee

Travel & Lifestyle

Domestic Lounge Access8 complimentary visits per year to domestic Visa Lounges in India (max 2 per quarter).
Domestic Lounge Access8 complimentary visits per year, capped at 2 per quarter
International Lounge AccessComplimentary Priority Pass Program membership, valued at $99 for international lounge access.
International Lounge Access4 complimentary visits per year, capped at 1 per quarter
Travel BenefitsEnjoy 10% off Business Class, 3% off Economy on Etihad; Hertz/Avis discounts; hotel benefits.
Travel BenefitsComplimentary Etihad Guest Tier upgrade; 1% forex markup
Movie BenefitsNot Applicable
Movie Benefits
Dining BenefitsNot Applicable
Dining Benefits
Golf BenefitsNot Applicable
Golf Benefits
Fuel Surcharge Waiver1% waiver on ₹500-₹4,000 transactions, capped at ₹250 per statement cycle.
Fuel Surcharge Waiver1% waiver on ₹500-₹5,000, max ₹250/cycle; no rewards on fuel

Security & Other

Insurance BenefitsOverseas air accident (₹25L), fraud liability (₹50K), and lost baggage (USD1000) cover.
Insurance Benefits
Cash Advance Charges2.5% of withdrawn amount (min. ₹500)
Cash Advance ChargesAs per MITC document
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Etihad Guest SBI Credit Card

Bank of Baroda Etihad Guest Credit Card

Who is it for?

The Etihad Guest SBI Card is a premium travel-centric credit card, co-branded with Etihad Airways, offering significant rewards and benefits for frequent flyers. It provides accelerated Etihad Guest Miles on airline bookings and international spends, along with valuable travel perks like lounge access and exclusive discounts. Designed for those who prioritize travel, especially with Etihad Airways, it enhances the flying experience with welcome bonuses, tier status, and comprehensive insurance covers, making it an excellent choice for globetrotters seeking premium travel benefits.

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.

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.

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.

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.

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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