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BOB Etihad Guest Credit Card

4.1 from 398 Users

All Card USPs

Earn 3x Miles On Etihad per

₹100 spent on Etihad Airways bookings

Get Double Welcome Miles on spending ₹10,000

within 60 days and paying the joining fee for 2,500 + 2,500 bonus miles

Best For

Shopping

Travel

Joining/Annual Fees

Joining Fees

₹2,950 ( ₹2500 + GST )

No Joining Fee Offset

Annual Fees

₹2,950 ( ₹2500 + GST )

The annual fee is waived if you spend ₹3,00,000 in a year on your card, as per bank policy

Eligibility

Age Criteria

21-60 years

Salary Criteria

3 LPA

Credit Rating*

720+

See if you are eligible for this card

Pin Code*

​

Monthly In Hand Income*

​₹
​

Income Type*

Salaried
Self

How to redeem?

Rewards Conversion Rate

1RP = ₹0.80

Redemption Options

  • Flight
  • Hotels
  • Vouchers
  • Lifestyle Product

To check redemption catalogue

Click Here

All Card Benefits

All Benefits

  • Add to Google Pay for QR-based rewards
  • 1% forex markup on international spends
  • Earn 3 Miles per ₹100 on Etihad Airways
  • Earn 1 Mile per ₹100 on other spends
  • Monthly bonus: 250 Miles on 4 transactions totaling ₹25,000 (once/month)
  • Quarterly bonus: 2,000 Miles on ₹2 Lakhs spend (once/quarter)
  • Annual bonus: 12,000 Miles on ₹7.5 Lakhs spend (once/year)
  • Travel goal bonus: 500 Miles for flying twice a year with Etihad

Bank Exclusions

You will not earn points / cashback on spends in the following categories

For Points / Cashback Earnings

Fuel

EMI Transactions

Rent

Government payments

Utility bills

Taxes

For Spends Waiver

Fuel

EMI Transactions

Rent

Government payments

Utility bills

Taxes

Bank Fee Structure

StructureDetails
Forex Markups

1% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency.
Examples (1%):

₹100 → ₹1
₹1,000 → ₹10
₹10,000 → ₹100
₹1,00,000 → ₹1,000

1%
APR Fees

Finance charges of 3.75% per month (45% per annum) apply on unpaid outstanding balances until the amount is fully repaid

3.75%
ATM Withdrawl

2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable).

2.50%
Reward Redemption Fees

No fee is charged when redeeming reward points on this card.

Not Applicable
Link for all T&Cs
Click Here
Railway Surcharge

A surcharge of 1% is applied to transactions made for booking railway tickets

1%
Rent Payment Fees

1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges

1%
Cheque Payment Fees

A fee of ₹100 is charged for payments made through cheque

₹100
Cash Payment Fees

₹250 cash payment fee per deposit

₹250
Late Payment Fees

Additional ₹100 is charged if Minimum Amount Due remains unpaid for two consecutive cycles, continuing until cleared

Amount Due
₹0 –₹100 0
₹100 – ₹500 ₹100
₹501 to ₹1000 ₹400
₹1001 to ₹10000 ₹750
₹10001 to ₹25000 ₹950
₹25001 to ₹50000 ₹1100
More than ₹50000 ₹1300

Apply for this card

TOP USPs

Earn 3x Miles On Etihad per

₹100 spent on Etihad Airways bookings

Get Double Welcome Miles on spending ₹10,000

within 60 days and paying the joining fee for 2,500 + 2,500 bonus miles

Apply Now