SBI Card Miles Elite VS AU Fi Magnifi Credit Card VS Bank of Baroda Etihad Guest Credit Card VS Bank of Baroda Etihad Guest Premium Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
SBI Card Miles Elite
AU Fi Magnifi Credit Card
Bank of Baroda Etihad Guest Credit Card
Bank of Baroda Etihad Guest Premium Credit Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
Pros
Key benefits and features.
Substantial welcome bonus of 5,000 Travel Credits on initial spends.
Extensive complimentary domestic and international airport lounge access.
Low foreign currency markup of 1.99% makes international spends economical.
Comprehensive travel insurance covers flight cancellations and baggage issues.
Available on RuPay network, enabling seamless UPI payments for convenience.
Pros
Key benefits and features.
Lifetime free card with no joining or annual fees, making it easy to maintain.
High reward rate of up to 5% (20 Fi Points/₹100) on weekend spending.
Provides valuable 20% discounts on Amazon, Zepto, Zomato, and BookMyShow.
An excellent entry-level card for building credit history and saving money.
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.
Cons
Key drawbacks and limitations.
Reward earning rate on general spends is not highly competitive compared to peers.
Lacks specific additional benefits for popular categories like movies or dining.
High joining and renewal fees of Rs. 4,999 + taxes may deter some users.
Travel Credits have varying redemption values, which can be confusing for users.
Complimentary Priority Pass membership is only valid for the first two years.
Cons
Key drawbacks and limitations.
Weekday Fi points earning is capped at 2,000 per statement cycle.
Weekend discounts are capped at ₹100, require min. ₹500 spend, and are monthly.
Lacks airport lounge access and other premium travel or lifestyle benefits.
High foreign currency markup of 3.49% makes it unsuitable for international use.
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.