Bank of BarodaVisaEtihad Guest Premium Credit Card
4.0NeoFinQ editorial rating
Etihad co-branded card with 2% forex, 6 miles/₹100 on Etihad, and tier upgrades
- 6 Etihad Guest Miles per ₹100 on Etihad spends (6% value-back)
- 0% forex markup
- Etihad Guest tier upgrades
- 20 lounge visits/year
- Milestone bonuses
- Joining fee
- ₹5,000
- Annual fee
- ₹5,000
- Reward type
- miles
- Best for
- Travel
- Est. rewards
- ₹20,000/yr
Our verdict
Excellent for Etihad loyalists and international travelers with 0% forex markup and rich milestone bonuses.
Perfect for
- Frequent Etihad Airways flyers
- International travelers loyal to Etihad/Star Alliance partners
Not ideal for
- Users wanting airline-agnostic rewards
- Moderate spenders unable to hit ₹5L waiver
Pros & cons
- 6 Etihad Guest Miles per ₹100 on Etihad spends (6% value-back)
- 0% forex markup
- Etihad Guest tier upgrades
- 20 lounge visits/year
- Milestone bonuses
- High fee (₹5K + GST, waivable on ₹5L)
- Rewards tied to Etihad Guest program only
- Limited lounge visits (not unlimited)
Rewards
Etihad: 6 miles/₹100; International/Dining: 3 miles/₹100; Other domestic: 2 miles/₹100
| Category | Earn rate |
|---|---|
| Travel | 5% |
Welcome offer
5,000 Etihad Guest miles on ₹25,000 spend in first 60 days; Silver Tier on first transaction; Gold Tier after Etihad.com spend within 6 months
Benefits
Airport lounge
- 4 domestic lounge visits/yr
- 12 international lounge visits/yr
Travel
- Unlimited Domestic Lounge access + 12 International Lounge visits per year via Priority Pass
More benefits
- Welcome Bonus: 5,000 Etihad Guest miles on ₹25,000 spend in first 60 days; Silver Tier on first transaction; Gold Tier after Etihad.com spend within 6 months
- Milestone: 500 bonus miles on ₹50K monthly (4 transactions); 4,000 miles on ₹3L quarterly; 24,000 miles on ₹12L annual
- Additional Benefits: Etihad Guest Silver/Gold tier upgrades, Priority Pass
Fees & charges
| Joining fee | ₹5,000 |
| Annual fee | ₹5,000 |
| Renewal fee | ₹5,000 |
| Fee waiver | Waived on ₹5L annual spend |
Eligibility
Min. income (annual)
₹18L
Employment
Salaried / Self Employed
Frequently asked questions
How many Etihad Guest Miles do I earn on Etihad spends?
6 Etihad Guest Miles per ₹100 spent on Etihad Airways bookings.
Is there zero forex markup?
Yes, 0% forex markup on all international transactions.
What lounge benefits are included?
12 domestic + 8 international lounge visits via Priority Pass.
How to waive the annual fee?
Spend ₹5L or more in the anniversary year.
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Find My Best CardEtihad Guest Premium Credit Card
Annual fee ₹5,000