BOBCARD Tiara Credit Card
Best for women seeking lifestyle memberships + travel rewards. 15 RP per Rs 100 on dining, travel, international; 3 RP per Rs 100 otherwise; 1 RP = Rs 0.25
Terms as of 2026-09-27 · Checked 30 September 2026BOBCARD Tiara Credit Card at a glance
Who it suits: Women seeking lifestyle memberships + travel rewards
Rewards & cashback
| Details | |
|---|---|
| How you earn | 15 RP per Rs 100 on dining, travel, international; 3 RP per Rs 100 otherwise; 1 RP = Rs 0.25 |
| Caps & exclusions | 5X points capped at 5,000 RP per month |
| Welcome benefit | Amazon Prime / JioHotstar & Gaana Plus annual memberships, Swiggy One 3 months, FITPASS PRO 12 months |
Yearly reward value at base rate
| Spend | Rewards (base rate) | Net of annual fee + GST |
|---|---|---|
| ₹1,20,000 / year | ₹900 | -₹2,049 |
| ₹3,00,000 / year | ₹2,250 | ₹2,250 |
| ₹6,00,000 / year | ₹4,500 | ₹4,500 |
| ₹12,00,000 / year | ₹9,000 | ₹9,000 |
Base rate only; accelerated categories raise the value, caps and excluded categories (rent, fuel, wallet, utilities etc. on many cards) lower it.
Travel, lounge & fuel benefits
| Benefit | Details |
|---|---|
| Airport lounge | Unlimited domestic on Rs 40,000 quarterly spend |
| Fuel surcharge | 1% on Rs 400-5,000, max Rs 250/month |
| Forex markup | 2.00% + 18% GST on the markup |
Fees & charges
| Charge | Amount |
|---|---|
| Joining fee | ₹2,499 + GST |
| Annual / renewal fee | ₹2,499 + GST |
| Fee waiver | Joining fee reversed on Rs 25,000 spend in 60 days; annual fee reversed on Rs 2.5 lakh annual spend |
| Finance charge | Typically about 3.5%–3.75% per month on revolved balances (lower on some premium and secured cards) — see MITC |
| Cash withdrawal | Usually 2.5% (min ₹500) + interest from day one |
| Late payment | Slab-based, only if unpaid more than 3 days past due |
| GST | 18% on all fees and interest |
Is it worth it for you?
Eligibility & documents
| Criterion | Details |
|---|---|
| Income / criteria | 720000 |
| Age | 21-65 (primary), 18+ add-on |
| Credit score | 750+ improves approval chances |
Similar cards
| Card | Issuer | Joining / annual fee | Reward rate | Best for |
|---|---|---|---|---|
| Standard Chartered Ultimate | Standard Chartered | ₹5,000 / ₹5,000 | 3.33% base value | High flat reward rate on all spends |
| HDFC Bank Diners Club Black Metal Edition | HDFC Bank | ₹10,000 / ₹10,000 | 3.33% base value | High spenders wanting uncapped-lounge premium card below Infinia |
| HDFC Bank Infinia Credit Card Metal Edition | HDFC Bank | ₹12,500 / ₹12,500 | 3.33% base value | Super-premium, high-spend travellers (invite-only) |
| ICICI Bank Emeralde Private Metal | ICICI Bank | ₹12,499 / ₹12,499 | 3.00% base value | Super-premium spenders wanting unlimited lounges and hotel memberships |
| HSBC Premier | HSBC India | ₹12,000 / ₹20,000 | 3.00% base value | HSBC Premier banking customers |
| YES Bank Marquee | YES Bank | ₹9,999 / ₹4,999 | 2.25% base value | High online spenders |
Frequently asked questions
What is the annual fee of the BOBCARD Tiara Credit Card?
Joining fee ₹2,499 and annual fee ₹2,499 (plus 18% GST). Joining fee reversed on Rs 25,000 spend in 60 days; annual fee reversed on Rs 2.5 lakh annual spend.
What rewards does it offer?
15 RP per Rs 100 on dining, travel, international; 3 RP per Rs 100 otherwise; 1 RP = Rs 0.25 Caps/exclusions: 5X points capped at 5,000 RP per month
Does it give airport lounge access?
Unlimited domestic on Rs 40,000 quarterly spend
What is the forex markup?
2.00% on international transactions, plus 18% GST on the markup. On ₹1 lakh spent abroad that is about ₹2,360.
Who is eligible?
720000. A CIBIL score of 750+ improves approval chances.
Is the BOBCARD Tiara Credit Card good for me?
Best for: Women seeking lifestyle memberships + travel rewards. Compare the net value after fees with how and where you actually spend — the calculator on this page helps.
Source: www.paisabazaar.com, 2026-09-27. Card benefits change frequently — confirm the latest Most Important Terms & Conditions (MITC) on Bank of Baroda (BOBCARD)’s website before applying. FinancePortal is not affiliated with the issuer.