Applicable on spends of ₹5,00,000 in every anniversary year.
Welcome offer+−
Welcome benefit
15,000 Extra Etihad Guest Bonus Miles: 10,000 joining miles on spends of ₹25,000 in the first 60 days and upon payment of your joining fee + 5,000 spend‑based miles on cumulative spends of ₹50,000.
Rewards+−
Reward rate
2 Miles per ₹100 on every other domestic & cross border spends.
Travel earning
6 Miles per ₹100 on Etihad Airways.
Reward exclusions
No Cashback/Reward Points are earned on fuel transactions.
Redeeming points for travel
Etihad Guest Miles can be redeemed only on the Etihad platform after 3 days from the date of your monthly statement
Statement-credit redemption
Miles earned can be redeemed only on Etihad platform
Point expiry
Validity of the Etihad Guest Miles is as per your Etihad Guest Tier.
Card benefits+−
International lounge access
8 international (2 per quarter) lounge visits every year.
Lounge benefit
Enjoy 12 domestic (3 per quarter) and 8 international (2 per quarter) lounge visits every year - your journey deserves a first class beginning.
Hotel or travel programme
Complimentary Gold Tier Upgrade upon completing a transaction of ₹10,000 or more on Etihad.com within 6 months from the date of card issuance
Milestone benefits
500 bonus miles on a minimum of 4 transactions totalling ₹50,000 (once per billing cycle) · 4,000 bonus miles on spends of ₹3,00,000 in a calendar quarter · 24,000 bonus miles on annual spends of ₹12,00,000
Also included+−
Fuel surcharge waiver
1% fuel surcharge waiver at all fuel stations across India on transactions between ₹500 and ₹5,000 (Max. ₹250 per statement cycle).
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)
Purchase to EMI conversion
Purchases above ₹2,500 on the card can be converted into Smart EMIs of 6 to 48 months.
Charges+−
Forex markup
0% on foreign currency transactions.
Cash advance fee
2.5% of the withdrawn amount or ₹500, whichever is higher.
Cash advance interest
45% p.a. (3.75% per month) from date of withdrawal, with no interest free period for cash.
Interest on unpaid balance
45% p.a. (3.75% per month) from date of transaction.
Interest-free period
20 to 50 days interest-free when you pay in full.
Late payment fee
Less than ₹100: Nil; ₹100 to ₹500: ₹100; ₹501 to ₹1,000: ₹400; ₹1,001 to ₹10,000: ₹750; ₹10,001 to ₹25,000: ₹950; ₹25,001 to ₹50,000: ₹1,100; more than ₹50,000: ₹1,300.
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: 2% of the payment amount subject to min of ₹500. Auto Debit/SI bounce: 2% of the payment amount subject to min of ₹500, applicable only once per Statement cycle per card & only in case Auto debit/Standing instruction fails due to insufficient balance in the Customer’s Account
Statement or duplicate statement fee
₹25 per duplicate bill
Card replacement fee
₹100/- per card
Cash payment / cash deposit fee
Processing fee of ₹250 for every cash payment.
Cheque payment / dishonour fee
Process fee of ₹100 for every cheque 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)
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 and EMI amount, plus 2% of retail spends and cash advance, or ₹200, whichever is higher
Eligibility+−
Eligibility
Salaried or Self-Employed
Minimum age
Applicants must be between 21 and 60 years of age.
Documents required
Fully digital application, you may not need to upload any documents; PAN (mandatory), Aadhaar used for digital verification; address verified digitally via Aadhaar.
Residency
Indian resident
In the terms, not the brochure (2)
The period milestones are measured over and when it resets
Monthly bonus of 500 Miles on any 4 transactions totaling ₹50000, valid once per month; quarterly bonus of 4000 Miles on ₹3,00,000 quarterly spends, valid once per quarter.
Whether carrying a balance ends the interest-free period
The interest free period for a purchase in any statement period applies if the outstanding balance on the Card Account for the previous statement period is paid in full by its due date.
How we know - 9 documents from BOBCARD, checked 18 Oct 2026
9 documents from BOBCARD, checked 18 Oct 2026.
Bobcard Generic MITC 23 July Orginal29 Sep 2026Proof