BOBCARD Tiara Credit Card
The BOBCARD Tiara Credit Card is a premium credit card from Bank of Baroda, with a joining fee of ₹2,499 + GST.
It earns up to 15 pts per ₹100 (≈2.7% value) on dining travel international spends in the form of reward points (points).
Cardholders get unlimited annual domestic airport lounge access.
- Joining Fee₹2,499
- Annual Fee₹2,499
- Best Suited ForTravel
- Reward TypeReward Points (points)
- 15 pts per ₹100 on dining travel international (cap 5000 points / statement)
- Base 0.54% on other spends
- Not applicable
BoBsignaturepremiumRewards and Benefits
- Women's health package — Complimentary women's health package incl. Pap Smear, blood tests and mammography.
- Quarterly shopping vouchers — ₹500/qtr each at Myntra, Nykaa, Flipkart; ₹1,500/qtr at Lakmé Salon; ₹250/qtr at BigBasket.
- OTT & music memberships — Complimentary annual Amazon Prime / JioHotstar, Gaana Plus; Swiggy One 3-month membership once p.a.
- +1 more
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
- Dining & food delivery₹216/mo
You spend ₹8,000 · earns 2.7% = ₹216 uncapped
- Capped at ₹900/mo
- Valued at realized redemption value
- Travel & hotels₹270/mo
You spend ₹10,000 · earns 2.7% = ₹270 uncapped
- Capped at ₹900/mo
- Valued at realized redemption value
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Online shopping₹15,000 · 0.5% = ₹81/mo
- Groceries₹8,000 · 0.5% = ₹43/mo
- Fuel₹4,000 · 0.0% = ₹0/mo
- Utilities & bills₹5,000 · 0.5% = ₹27/mo
₹7,646 rewards − ₹0 annual fee. Estimate for the spend you entered.
Fees & Charges
Product Details
- premium card issued by Bank of Baroda.
- Joining / annual fee of ₹2,499 + GST, waived on annual spends of ₹2,50,000.
- Available on the Visa network.
- Complimentary airport lounge access: domestic (unlimited/annual).
Pros & Cons
- Annual fee waivable on ₹2,50,000 spend.
- Low forex markup of 2.00% — suited to international spends.
- Complimentary domestic airport lounge access (unlimited/annual).
- No rewards on fuel spends.
Accelerated rewards
- 15 pts per ₹100 on dining travel international (cap 5000 points / statement)
- Reward Points on Credit Card UPI spends capped at 500 RP per statement cycle.
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
Airport lounge access
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹250 per monthly.
Other benefits
- Women's health package. Complimentary women's health package incl. Pap Smear, blood tests and mammography.
- Quarterly shopping vouchers. ₹500/qtr each at Myntra, Nykaa, Flipkart; ₹1,500/qtr at Lakmé Salon; ₹250/qtr at BigBasket. (≈ ₹1,500 value)
- OTT & music memberships. Complimentary annual Amazon Prime / JioHotstar, Gaana Plus; Swiggy One 3-month membership once p.a.
- Add-on cards. Up to 3 lifetime-free add-on cards for female family members (18+).
Sources
- : www.bobcard.co.in · retrieved 3 Jul 2026
Last verified 3 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 25–55
- Credit score
- 750+
- Income (salaried)
- ₹12,00,000 p.a.
- Income (self-employed)
- ₹12,00,000 p.a.
Women applicants only.