Etihad Guest Premium Credit Card Review 2026 — Fees, Rewards & Eligibility
Issuer: Bank of Baroda
Network: Visa | Tier: Premium
0% Forex Markup, Etihad Guest Gold Tier, 12 domestic & 8 international lounge visits/year
Why Choose the Etihad Guest Premium Credit Card?
The Etihad Guest Premium Credit Card is a Premium-tier Visa credit card issued by Bank of Baroda, rated 4.7/5 by the Credit Card Hunt editorial team. It is best suited for Frequent Etihad bookers and international travelers. With a reward rate of 6 Etihad Guest Miles per ₹100 spent on Etihad.com; 2 Miles per ₹100 spent on all other categories and an annual fee of ₹5,000, it ranks among the popular Premium cards in India in 2026.
New cardholders are welcomed with 15,000 Etihad Guest Miles upon spending ₹75,000 within 60 days of card issuance, which adds immediate value in the first year.
Etihad Guest Premium Credit Card Fees & Charges
| Annual Fee | ₹5,000 |
|---|---|
| Joining Fee | ₹5,000 |
| Interest Rate | 3.25% per month |
| Foreign Markup | 0% |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver |
Etihad Guest Premium Credit Card Rewards & Benefits
| Reward Rate | 6 Etihad Guest Miles per ₹100 spent on Etihad.com; 2 Miles per ₹100 spent on all other categories |
|---|---|
| Welcome Bonus | 15,000 Etihad Guest Miles upon spending ₹75,000 within 60 days of card issuance |
| Lounge Access | 12 domestic and 8 international airport lounge visits per year. Fast-track Etihad Guest Gold Tier status. |
| Best For | Frequent Etihad bookers and international travelers |
Key Highlights of the Etihad Guest Premium Credit Card
- 0% Forex Markup, Etihad Guest Gold Tier, 12 domestic & 8 international lounge visits/year
- 6 Etihad Guest Miles per ₹100 spent on Etihad.com; 2 Miles per ₹100 spent on all other categories
- 12 domestic and 8 international airport lounge visits per year. Fast-track Etihad Guest Gold Tier status.
- Travel insurance cover for lost baggage, flight delays, and credit shield
- Bonus miles upon reaching annual spend thresholds
Etihad Guest Premium Credit Card Eligibility Criteria
- Age: 21-65 years years
- CIBIL score: 750+
- Minimum income: ₹12,00,000/year
Minimum Income Required: ₹12,00,000/year
Advantages of the Etihad Guest Premium Credit Card
- Zero forex markup
- complimentary Etihad Guest Gold Tier (highly valuable for flights)
- high welcome miles
Drawbacks of the Etihad Guest Premium Credit Card
- High annual fee of ₹5
- 000
- rewards are valuable only when redeemed within the Etihad Airways ecosystem
Etihad Guest Premium Credit Card — Frequently Asked Questions
What is the annual fee of the Etihad Guest Premium Credit Card?
The Etihad Guest Premium Credit Card has an annual fee of ₹5,000 and a joining fee of ₹5,000. New cardholders receive 15,000 Etihad Guest Miles upon spending ₹75,000 within 60 days of card issuance as a welcome benefit, which helps offset the joining cost.
Does the Etihad Guest Premium Credit Card offer airport lounge access?
Yes — the Etihad Guest Premium Credit Card offers 12 domestic and 8 international airport lounge visits per year. Fast-track Etihad Guest Gold Tier status..
Who is eligible for the Etihad Guest Premium Credit Card?
The minimum income requirement is ₹12,00,000/year. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the Etihad Guest Premium Credit Card?
The Etihad Guest Premium Credit Card earns 6 Etihad Guest Miles per ₹100 spent on Etihad.com; 2 Miles per ₹100 spent on all other categories. It is best suited for Frequent Etihad bookers and international travelers.
Credit Cards Similar to the Etihad Guest Premium Credit Card
If you are considering the Etihad Guest Premium Credit Card, these premium credit cards are worth comparing before you apply:
- HDFC Infinia by HDFC Bank — rated 4.9/5, ₹12,500 + GST annual fee
- EazyDiner Signature Credit Card by IndusInd Bank — rated 4.7/5, ₹2,999 annual fee
- Atlas Credit Card by Axis Bank — rated 4.7/5, ₹5,000 annual fee
- Gold Charge Card by American Express — rated 4.6/5, ₹4,500 annual fee
Expert Rating: 4.7/5