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

Rs 2,500 a year, before GST. It is waived if you spend Rs 3,00,000 in a year.

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

Yes. In India: 8 per year (2 per quarter). Outside India: 4 per year (1 per quarter). Conditions: No spend condition stated

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

1% of each foreign-currency transaction, before GST.

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

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

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Bank of Baroda BOBCARD Etihad Guest

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

The Bank of Baroda BOBCARD Etihad Guest costs Rs 2,500 a year, waived if you spend Rs 3,00,000 in a year. It earns 1 mile per Rs 100 on domestic and cross-border spends. Accelerated earn: 3 miles per Rs 100 on Etihad Airways spends. The forex markup is 1%. Lounge visits in India: 8 per year (2 per quarter). Abroad: 4 per year (1 per quarter). Read from the issuer's own documents on 11 Oct 2026.

Annual fee: Rs 2,500+ GST
Fee waived at: Rs 3,00,000annual spend
Base return: —
Forex markup: 1%
Interest: 3.75%a month

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

Fees

Joining fee	Rs 2,500
Annual fee	Rs 2,500
Annual spend that waives the fee	Rs 3,00,000
Fee notes	Joining and annual fee Rs 2,500 + GST. Annual fee waived on Rs 3 lakh spend in the anniversary year.

Rewards

Welcome benefit	2,500 welcome miles plus 2,500 bonus Etihad Guest miles on paying the joining fee and spending Rs 10,000 within 60 days (Bank of Baroda's listing describes this as 7,500 welcome miles)
Reward currency	Etihad Guest Miles
Base earn	1 mile per Rs 100 on domestic and cross-border spends
Point value	Not stated; miles redeemable only on the Etihad platform
Accelerated earn	3 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 benefits	Page shows milestone miles of 250 monthly, 2,000 quarterly and 12,000 annual; qualifying spends not stated on the page
Reward notes	Miles are credited straight to Etihad Guest, so there is no transfer step. base_return_pct not computed because the issuer publishes no rupee value for a mile.

Transfers

Partners	Etihad Guest
Ratio	Direct earn in Etihad Guest miles

Travel and perks

Domestic lounge	8 per year (2 per quarter)
International lounge	4 per year (1 per quarter)
Lounge conditions	No spend condition stated
Forex markup	1%
Fuel surcharge waiver	1% waiver on fuel transactions of Rs 500-5,000, cap Rs 250 per statement cycle
Other freebies	Complimentary Etihad Guest Silver tier after first etihad.com transaction within 6 months

Charges and eligibility

Interest per monthunverified	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
Eligibility	Indian resident, age 21-60, salaried or self-employed
Fine-print notes	Standard BOBCARD charges apply (interest 3.75% per month, cash advance 2.5% min Rs 500). The Apr 2026 generic MITC does not list the Etihad cards by name, so the forex markup is taken from the product page.

Questions

What is the annual fee of the Bank of Baroda BOBCARD Etihad Guest?: Rs 2,500 a year, before GST. It is waived if you spend Rs 3,00,000 in a year.
Does the Bank of Baroda BOBCARD Etihad Guest give airport lounge access?: Yes. In India: 8 per year (2 per quarter). Outside India: 4 per year (1 per quarter). Conditions: No spend condition stated
What is the forex markup on the Bank of Baroda BOBCARD Etihad Guest?: 1% of each foreign-currency transaction, before GST.
Which spends earn no rewards on the Bank of Baroda BOBCARD Etihad Guest?: 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.