BOB Financial (BOBCARD) BOBCARD Etihad Guest Credit Card

Annual feeJoining fee

₹2,500 + GST₹2,500 + GST; waived on spends of ₹3,00,000 or more in every anniversary year

Fee waiver rule

Annual fee waived on spending of ₹3,00,000 or more during each card anniversary year

Add-on card fee

Joining/Annual Fee for Add-on Card: NA.

Welcome benefit

7,500 Etihad Guest Bonus Miles: 5,000 joining miles on spends of ₹25,000 in the first 65 days and upon payment of your joining fee + 2,500 spend‑based miles on cumulative spends of ₹50,000.

Reward rate

3 Miles per ₹100 on Etihad Airways; 1 Mile per ₹100 on every other domestic & cross-border spend.

Reward exclusions

Spends on special categories (MCC’s) won’t qualify for base miles: Agriculture, Contractor, Transportation, Telecom, Rent, Cleaning and Maintenance, Personal services, Government, Education, Hospital, Wallet, Insurance, Charity.

Catalogue redemption

Etihad Guest Miles can be redeemed only on the Etihad platform after 3 days from the date of your monthly statement

Point expiry

The validity of the Etihad Guest Miles is as per your Etihad Guest Tier.

International lounge access

4 international lounge visits every year (1 per quarter)

Domestic lounge access

8 domestic lounge visits every year (2 per quarter)

Milestone benefits

Monthly Bonus Miles: 250 bonus miles on 4 transactions totalling ₹25,000, once per billing cycle; Quarterly Bonus Miles: 2,000 bonus miles on spends of ₹2,00,000, once per quarter; Annual Bonus Miles: 12,000 bonus miles on annual spends of ₹7,50,000, once per anniversary year

Fuel surcharge waiver

1% fuel surcharge waiver on transactions between ₹500 and ₹5,000 (Max. ₹250 per statement cycle); No Cashback/Reward Points are earned on fuel transactions

Surcharge on railway tickets

1% fee (Subject to maximum ₹5000 per transaction) will be charged on railway bookings (MCC 4112) of ₹30,000 or higher (w.e.f 1st April 2026)

Insurance benefit

Not offered: Insurance facility is not available on Etihad credit cards.

Purchase to EMI conversion

Smart EMIs of 6 to 48 months on purchase of >₹2,500.

Forex markup

1% on foreign currency transactions.1% of transaction amount

Cash advance fee

2.5% of the withdrawn amount or ₹500, whichever is higher.

Interest on unpaid balance

3.75% per month (45% p.a.) from date of transaction.

Interest-free period

20 to 50 days interest-free when you pay in full.

Late payment fee

Nil below ₹100; ₹100 for ₹100 to ₹500; ₹400 for ₹501 to ₹1,000; ₹750 for ₹1,001 to ₹10,000; ₹950 for ₹10,001 to ₹25,000; ₹1,100 for ₹25,001 to ₹50,000; ₹1,300 above ₹50,000 (by statement balance)

Over-limit fee

2.5% of the amount over & above the sanctioned credit limit or ₹600, whichever is higher. Overlimit upto 5% of credit limit

Payment return or dishonour fee

Cheque Return charges 2% of the payment amount subject to min of ₹500

Statement or duplicate statement fee

₹25 per Bill

Card replacement fee

₹100/- per card

Cash payment / cash deposit fee

₹250 for every Cash payment.

Education / school fee charge

1% fee (subject to maximum of ₹5000 per transaction) will be charged on online education fee payments via Third party payment apps - Cheq, CRED, Ease My Deal, Mobikwik, NoBroker, Paytm, Phonepe, SuperPe (w.e.f 1st April 2026)

Fee for paying the bill by cheque

₹100 for every Cheque payment.

Reward redemption fee

No Fee

Wallet load charge

1% processing fees will be levied on Wallet loading Transactions.

What the card's fee or benefit year means

Card Anniversary year is considered from the Card issuance date

Fuel transaction fee

1% processing fee per transaction will be levied on fuel transactions (MCC 5172, 5541, 5542,5983) where transaction amount is ₹10,000 or higher.

Rent transaction fee

A fee of 1% of the total transaction amount will be levied on all rent payment transactions (Merchant Category Code or MCC 6513) done using your BOBCARD Card.

Utility transaction fee

1% (Maximum ₹3000 per transaction) Processing fee will be levied to Utility transactions (MCC 4900) where transaction amount is ₹50,000 or higher

GST note

18% (applicable on all fees, interest & other charges)

Grace days after the due date

Grace period of 3 days is allowed from the payment due date on credit card accounts, where payments are not overdue from previous billing cycle (s)

Minimum amount due

100% of (all Fees/Charges + Finance Charges + GST + EMI amount) + 2% of (Retail Spends + Cash Advance), or ₹200 whichever is higher

Age the primary cardholder must be

21 to 60 years of age.

Eligibility

Salaried or self-employed