IndusInd Avios Visa Infinite vs BOBCARD Etihad Guest Premium (2026)
Two airlines, two alliances, same ₹1/mile anchor — oneworld Avios at a ₹10,000 join vs Etihad Guest at ₹5,000 with milestone confetti.
Head to head
| Metric | IndusInd Avios Visa Infinite | BOBCARD Etihad Guest Premium |
|---|---|---|
| Our rank | #26 | #7 |
| Annual fee | ₹5,000 + GST | ₹5,000 + GST |
| Fee waiver | None | ₹5,00,000 spend |
| Forex markup | 1.5% at preferred international destinations, 3.5% all other + GST | Nil — 0% markup, Premium-specific (the non-premium Etihad Guest pays 1%) |
| APR | 3.00%/mo (36%/yr) | 3.75%/mo (45%/yr), from transaction date; same rate on cash advances |
| Effective reward rate | 1.5% | 2.0% |
| Currency | Avios (BA / Qatar / Finnair) | Etihad Guest |
| House value | ₹1.00/pt | ₹1.00/pt |
| Welcome benefit | 20,000 bonus Avios as a joining benefit (same for the Qatar or BA track) | 15,000 Guest miles — 10,000 on ₹25k in 60 days + fee payment, 5,000 more at ₹50k (doubled window till 31 Aug 2026; standard offer is 7,500) |
| Lounge doors opened | 588 of 644 | 73 of 644 |
| Income — salaried | not published | not published |
| Income — self-employed | not published | not published |
Gold marks the better side of a row. House value is our ₹-per-point mark for each card's currency — the full valuation index →
Net annual value face-off
Everyday spend at each card's base rate plus a realistic ~20% at its best accelerator (less for narrow or capped boosters) — milestones, fee waivers and the redemption haircut all at our house ₹/point. That's why the biggest headline rate doesn't automatically win. Tune it to your own spend in the calculator.
It swings with spend: BOBCARD Etihad Guest Premium at ₹1L/month, BOBCARD Etihad Guest Premium at ₹3L/month, BOBCARD Etihad Guest Premium at ₹5L/month.
Transfer reach
Full route maps on each card page, best ₹/point routes on the optimizer →
The call
For the ₹1L/month spender, BOBCARD Etihad Guest Premium nets ₹72,880 against ₹37,080 — a ₹35,800 gap. At ₹5L/month, BOBCARD Etihad Guest Premium nets ₹1,80,400 against ₹1,31,400 — a ₹49,000 gap. Lounge chasers: IndusInd Avios Visa Infinite opens 588 of 644 tracked doors to BOBCARD Etihad Guest Premium's 73.
Our standing verdicts: IndusInd Avios Visa Infinite — Keep; BOBCARD Etihad Guest Premium — Keep. On our board, BOBCARD Etihad Guest Premium sits at #7 to IndusInd Avios Visa Infinite's #26 — that's the overall call. Your spend pattern can overrule us: run your exact numbers →