Best BOBCARD (Bank of Baroda) Credit Cards 2026 — Compare & Apply

Top BOBCARD (Bank of Baroda) Credit Cards in India 2026

BOBCARD Etihad Guest Premium Credit Card

4.0/5

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BOBCARD Etihad Guest Premium Credit Card by Bank of Baroda

Joining Fee ₹5,000 + Taxes

Annual Fee ₹5,000 + Taxes

Best Suited For Etihad Airways Bookings & Miles Accumulation

Rewards Type Reward Points

Rewards Rate

6 Etihad Guest Miles per ₹100 on direct etihad.com spends; 2 Miles per ₹100 on other domestic & international spends

Welcome Benefits

10,000 Etihad Guest Miles welcome bonus (+5,000 booster Miles during promotional periods)

Card Details +

Key Advantages

✓ 6 Etihad Guest Miles per ₹100 on direct etihad.com bookings
✓ 12 domestic + 8 international lounge visits per year
✓ Milestone bonuses: 1,000 Miles at ₹50K/month, 2,000 at ₹1.5L/quarter, 12,000 at ₹6L/year

Limitations

✕ ₹5,000 annual fee needs ₹5 Lakh spend in eligible categories to waive
✕ Rewards are most valuable if you specifically fly Etihad, limited use otherwise
✕ Base rate outside Etihad bookings is a modest 2 Miles per ₹100

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BOBCARD Tiara Credit Card

3.5/5

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BOBCARD Tiara Credit Card by Bank of Baroda

Joining Fee ₹2,499* Plus Applicable Taxes

Annual Fee ₹2,499* Plus Applicable Taxes

Best Suited For Mid-range All-round Spends covering Lifestyle, Dining, and Domestic Travel

Rewards Type Reward Points

Rewards Rate

15 reward points for every ₹100 spent on dining, travel, and international transactions; 3 reward points for every ₹100 spent on other standard retail categories

Welcome Benefits

Complimentary annual memberships to Amazon Prime or Jio Hotstar, and Gaana Plus, plus a 3-month Swiggy One membership

Card Details +

Key Advantages

✓ Unlimited complimentary domestic airport lounge access
✓ 15 reward points per ₹100 on dining, travel and international spends
✓ 2% forex markup on overseas transactions, better than most cards at this fee
✓ Free annual subscription to Amazon Prime or Jio Hotstar plus 3 months of Swiggy One
✓ Preventive health checkup package for women cardholders

Limitations

✕ Low cash conversion reward redemption parity threshold set at 4 points = ₹1
✕ Strict monthly capping limits enforced on accelerated 5X reward accumulations
✕ Complete exclusion of automotive fuel purchases from generating any baseline reward points
✕ Total absence of international lounge terminal access benefits

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BOBCARD (Bank of Baroda) Credit Cards at a Glance

Best BOBCARD (Bank of Baroda) Credit Cards Comparison Table
Card	Fee	Rating	Best For
1. BOBCARD Etihad Guest Premium Credit Card	₹5,000 + Taxes	★ 4.0	Etihad Airways Bookings & Miles...	View →
2. BOBCARD Tiara Credit Card	₹2,499* Plus Applicable Taxes	★ 3.5	Mid-range All-round Spends...	View →

Frequently Asked Questions

What are BOBCARD's most popular credit cards?

Eterna and Tiara are BOBCARD's flagship offerings, both earning accelerated reward points on online, travel, dining, and movie spends.

What income is required for the BOBCARD Eterna Credit Card?

Eterna is generally positioned for applicants earning ₹12 lakh per annum or more, reflecting its premium fee and benefit structure.

Does BOBCARD offer complimentary lounge access?

Yes, though eligibility thresholds have been revised over time. Check the current spend requirement on your specific card before relying on this benefit.

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