BOBCARD Etihad Guest Premium Credit Card Review
The BOBCARD Etihad Guest Premium is a travel co-brand for flyers who value Etihad and international travel. It combines instant elite-tier status, a 0% forex markup and generous lounge access with miles earning that’s strongest on Etihad spends. Here is the verified review.
- 0% forex markup — rare and valuable for travellers
- 6 Etihad miles per ₹100 on Etihad spends
- Instant Silver tier; Gold after an Etihad transaction
- 12 domestic + 8 international lounge visits/year
- Up to 15,000-mile welcome (to 30 June 2026)
- Monthly & quarterly milestone mile bonuses
- Miles redeem only on the Etihad platform
- ₹5,000 fee; waiver needs ₹5 lakh spend
- 2 miles/₹100 base rate is modest off-Etihad
- Best value for Etihad/international flyers
- Mile value depends on redemption
Fees & miles
| Item | Detail |
|---|---|
| Joining/annual fee | ₹5,000 + GST (waived on ₹5 lakh annual spend) |
| Welcome | Up to 15,000 Etihad Guest Miles (to 30 Jun 2026, on ₹50k spend) |
| Etihad spends | 6 miles per ₹100 |
| Other spends | 2 miles per ₹100 |
| Forex markup | 0% |
| Lounges | 12 domestic (3/qtr) + 8 international (2/qtr) per year |
Eligibility & documents
Age
21 to 65 years
Income
Per BOBCARD premium norms
Recommended CIBIL
~750+
Network
Visa
Best for
International travellers & Etihad flyers
Documents
PAN, Aadhaar, income & address proof
Miles & status — the real value
The 0% forex markup is the headline for international spenders — most premium cards charge 2–3.5%, so this alone can save thousands on overseas trips. Earning is strongest on Etihad (6 miles/₹100); off-Etihad you get 2 miles/₹100, plus monthly bonuses (500 miles on 4 transactions totalling ₹50,000) and quarterly bonuses (4,000 miles on ₹3 lakh). The instant Silver tier, upgrading to Gold after an Etihad transaction, fast-tracks lounge and priority benefits within Etihad Guest. Miles redeem only on the Etihad platform, so value is best for those who actually fly Etihad.
Who this card is for
- Best fit: frequent international travellers and Etihad flyers who want 0% forex and lounge access.
- Skip if: you rarely travel abroad or won’t use Etihad Guest miles.
How to apply & how to cancel
Apply: via bobcard.co.in or Etihad’s partner page. Cancel: call BOBCARD customer care after clearing dues; redeem miles before closing.
Final verdict
The BOBCARD Etihad Guest Premium is one of the stronger travel co-brands of 2026 — 0% forex, instant elite status, generous domestic and international lounge access, and solid Etihad earning. The ₹5,000 fee is easy to justify for international travellers; just remember miles are locked to the Etihad ecosystem, so it shines brightest for those who fly Etihad or value 0% forex on overseas spends.
Frequently asked questions
What is the forex markup?
0% — there is no foreign-currency markup, which is rare and valuable for international spenders.
How many miles does it earn?
6 Etihad Guest Miles per ₹100 on Etihad Airways and 2 miles per ₹100 on other spends, plus monthly and quarterly milestone bonuses.
What elite status do I get?
Instant Silver tier on your first transaction, upgrading to Gold after your first Etihad transaction.
How much lounge access is included?
12 domestic (3 per quarter) and 8 international (2 per quarter) lounge visits per year.
Data current as of June 2026, cross-checked against BOBCARD and Etihad pages and aggregators. Welcome-offer terms and fees change — confirm on bobcard.co.in before applying.