What is the annual fee of the Bank of Baroda BOBCARD Etihad Guest Premium?

Rs 5,000 a year, before GST. It is waived if you spend Rs 5,00,000 in a year.

Does the Bank of Baroda BOBCARD Etihad Guest Premium give airport lounge access?

Yes. In India: 12 per year. Outside India: 8 per year. Conditions: Aggregator: 3 domestic and 2 international per quarter, no spend condition, international via DreamFolks

What is the forex markup on the Bank of Baroda BOBCARD Etihad Guest Premium?

0% of each foreign-currency transaction, before GST.

Which spends earn no rewards on the Bank of Baroda BOBCARD Etihad Guest Premium?

Fuel earns no miles. Aggregator lists further excluded categories: rent, wallet loads, government, education, hospital, insurance, telecom, supermarkets/retail stores, charity, fast food and others.

M16S / Bank of Baroda / Bank of Baroda BOBCARD Etihad Guest Premium

super-premium · travel, cobrand

Bank of Baroda BOBCARD Etihad Guest Premium

Bank of Baroda · with Etihad Airways (Etihad Guest)Last checked 11 Oct 2026

The Bank of Baroda BOBCARD Etihad Guest Premium costs Rs 5,000 a year, waived if you spend Rs 5,00,000 in a year. It earns 2 miles per Rs 100 on other spends. Accelerated earn: 6 miles per Rs 100 on Etihad Airways spends. The forex markup is 0%. Lounge visits in India: 12 per year. Abroad: 8 per year. Read from the issuer's documents and an aggregator on 11 Oct 2026.

Annual fee: Rs 5,000+ GST
Fee waived at: Rs 5,00,000annual spend
Base return: —
Forex markup: 0%
Interest: 3.75%a month

Apply on bobcard.co.inOpens the bank’s own page.

Fees

Joining feeunverified	Rs 5,000
Annual feeunverified	Rs 5,000
Annual spend that waives the feeunverified	Rs 5,00,000
Fee notes	Joining and annual fee Rs 5,000 + GST; annual fee waived on spends of Rs 5 lakh or more (aggregator figures).

Rewards

Welcome benefit	Bank of Baroda's listing says 15,000 welcome miles; aggregator breaks this into 10,000 miles on fee payment plus Rs 25,000 spend in 60 days and a limited-time 5,000-mile bonus
Reward currency	Etihad Guest Miles
Base earn	2 miles per Rs 100 on other spends
Point value	Not stated; miles redeemable only on the Etihad platform
Accelerated earn	6 miles per Rs 100 on Etihad Airways spends
Spends that earn nothingunverified	Fuel earns no miles. Aggregator lists further excluded categories: rent, wallet loads, government, education, hospital, insurance, telecom, supermarkets/retail stores, charity, fast food and others.
Points expiry	Miles validity follows Etihad Guest tier rules
Milestone benefitsunverified	Aggregator: 500 miles for 4 transactions totalling Rs 50,000 in a month; 4,000 miles on Rs 3 lakh quarterly spend; 24,000 miles on Rs 12 lakh annual spend; 1,000 miles for flying Etihad twice in a year
Reward notes	Earn rates, welcome miles, lounge counts and zero forex are from Bank of Baroda's own card listing; fees, waiver, milestones and exclusions are from an aggregator because the BOBCARD product page could not be read.

Transfers

Partners	Etihad Guest
Ratio	Direct earn in Etihad Guest miles

Travel and perks

Domestic lounge	12 per year
International lounge	8 per year
Lounge conditionsunverified	Aggregator: 3 domestic and 2 international per quarter, no spend condition, international via DreamFolks
Forex markup	0%
Fuel surcharge waiverunverified	1% waiver on fuel transactions of Rs 500-5,000 (aggregator)
Other freebiesunverified	Etihad Guest Silver tier on first transaction, Gold for the primary cardholder after first etihad.com transaction (aggregator)

Charges and eligibility

Interest per month	3.75%
Late payment fee	Statement balance below Rs 100: Nil; Rs 100-500: Rs 100; Rs 501-1,000: Rs 400; Rs 1,001-10,000: Rs 750; Rs 10,001-25,000: Rs 950; Rs 25,001-50,000: Rs 1,100; above Rs 50,000: Rs 1,300
Cash advance fee	2.5% of amount or Rs 500, whichever is higher
Fine-print notes	Issuer product page was blocked to the reader. Standard BOBCARD charges apply per aggregator (interest 3.75% per month, cash advance 2.5% min Rs 500).

Questions

What is the annual fee of the Bank of Baroda BOBCARD Etihad Guest Premium?: Rs 5,000 a year, before GST. It is waived if you spend Rs 5,00,000 in a year.
Does the Bank of Baroda BOBCARD Etihad Guest Premium give airport lounge access?: Yes. In India: 12 per year. Outside India: 8 per year. Conditions: Aggregator: 3 domestic and 2 international per quarter, no spend condition, international via DreamFolks
What is the forex markup on the Bank of Baroda BOBCARD Etihad Guest Premium?: 0% of each foreign-currency transaction, before GST.
Which spends earn no rewards on the Bank of Baroda BOBCARD Etihad Guest Premium?: Fuel earns no miles. Aggregator lists further excluded categories: rent, wallet loads, government, education, hospital, insurance, telecom, supermarkets/retail stores, charity, fast food and others.