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  • BOB Tiara Credit Card
    • Image of BOBCARD Tiara
    Bank of Baroda

    BOBCARD Tiara

    cat name Travel
    cat name Rewards
    3.5/5.0

    Travel3.5/5

    Rewards3.5/5

    Shopping4.0/5

    Know More
    Paisabazaar Review

    1st Year Fee: ₹2,499* Plus Applicable Taxes

    Travel

    Travel

    Unlimited domestic lounge access

    Shopping

    Shopping

    Discount on Nykaa, Myntra, Flipkart & more

    Rewards

    Rewards

    5X rewards on dining & travel spends

    Updated on November 26, 2025 7:18 pm

    Author: Shruti Sharma

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    About The CardTravel & Lifestyle BenefitsOther Features & BenefitsFees & ChargesThings to KnowCard ReviewFAQs

    About BOB Tiara Credit Card

    BOB Tiara Credit Card is a strong contender in the all-rounder card segment offering benefits across lifestyle, travel, dining, entertainment, and health & wellness (exclusively for women). Cardholders get complimentary memberships to Amazon Prime, Disney+ Hotstar, Gaana Plus, Swiggy One and Fitpass Pro, covering entertainment, dining, and fitness categories. Quarterly discounts of up to Rs. 1,500 on leading brands like Nykaa, Flipkart, Myntra, BookMyShow, and Lakmé Salon, along with accelerated rewards on dining, further enhance its lifestyle benefits. On the travel front, this BoB credit card features a low forex mark-up fee of 2%, 5X rewards on travel and international spends and unlimited domestic lounge access.

    With benefits spanning multiple categories, BOB Tiara Credit Card could be a good choice for people who seek a versatile card or those looking to upgrade from a basic card, without committing to a category-focused option.

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    Travel & Lifestyle Benefits

    • Complimentary Memberships:
      • Annual memberships of Amazon Prime/ Disney Hotstar and Gaana Plus
      • 3 months Swiggy One membership, once per annum
      • 6 months Fitpass Pro Membership worth Rs. 15,000
    • Travel Benefits:
      • Low forex mark-up fee of 2%
      • Unlimited complimentary domestic lounge access for primary cardholder on spending Rs. 40,000 in a quarter
    • Quarterly Benefits:
      • Rs. 500 discount each on Nykaa, Flipkart and Myntra every quarter
      • Rs. 250 discount each on BookMyShow (Min. purchase of 2 tickets) and BigBasket every quarter
      • Rs. 1,500 discount voucher every quarter for Lakme Salon
    Image of null
    Image of null

    Other Features & Benefits

    • Rewards Program
      • 15 reward points for every Rs. 100 spent on dining, travel and internationally1
      • 3 reward points for every Rs. 100 spent on other categories2
      • Redeem reward points against cashback at a value of 1 Reward Point = Rs. 0.25
    • Joining Fee Reversal: Joining fee reversal on spending Rs. 25,000 within the first 60 days of card issuance.
    • Annual Fee Reversal: Annual fee reversal on spending Rs. 2.5 Lakh in a year.
    • Fuel Surcharge Waiver: 1% fuel surcharge waiver on fuel spends between Rs. 400 and Rs. 5,000, capped at Rs. 250 per month.
    • Health & Wellness: Complimentary women’s health package, including Pap Smear & Blood Tests, Mammography package and more.
    BOB Tiara’s rewards program strengthens the card’s overall value-back by offering accelerated reward points on dining, travel, and international spends. However, its low redemption ratio of 4:1 reduces the overall returns. Beyond rewards, unlimited domestic lounge access is a standout benefit, as this feature is typically available on premium cards. While the accelerated rewards on travel and unlimited lounge visits make it appealing for domestic travellers, the lack of international lounge access is a notable drawback for those who often travel overseas.

    BOB Tiara Credit Card : Fees & Charges

    Fee Type Amount
    Joining Fee Rs. 2,499 + Taxes
    Annual Fee Rs. 2,499 + Taxes
    Finance Charges 3.6% p.m. (43.2% p.a.)
    Late Payment Charges
    For Statement Balance:
    Less than Rs. 100 Nil
    Rs. 101 to Rs. 500 Rs. 100
    Rs. 501 to Rs. 1,000 Rs. 400
    Rs. 1,001 to Rs. 10,000 Rs. 750
    Rs. 10,001 to Rs. 25,000 Rs. 950
    Rs. 25,001 to Rs. 50,000 Rs. 1,100
    More than Rs. 50,000 Rs. 1,300

    Things to Know Before you apply

    Get this card if:

    You frequently spend on dining, travel, and international transactions to maximize accelerated rewards

    You frequently travel & unlimited complimentary domestic lounge visits would be a valuable feature for you

    You to save on popular lifestyle brands like Nykaa, Flipkart, Myntra, BigBasket, BookMyShow and Lakme Salon

    You put multiple spends on your card and would be able to meet the annual spending threshold to get fee waiver

    Eligibility Requirements

    Age: 21 to 65 years

    Occupation: Self-employed or Salaried

    Income Requirement: Rs. 7.2 LPA

    Paisabazaar Review

    Overall Rating

    3.5/5

    Travel3.5/5

    Rewards3.5/5

    Shopping4.0/5

    What do we like about this card?

    One of the standout features of BOB Tiara Credit Card is its emphasis on travel and lifestyle benefits. For frequent travellers, it offers unlimited domestic lounge access, a low forex markup fee of 2%, and 5X rewards on international spends. The card also offers complimentary memberships to Amazon Prime, Disney+ Hotstar, and Gaana Plus, which add significant value for consumers. Moreover, the card offers quarterly discounts on popular shopping platforms like Nykaa, Flipkart, and Myntra, alongside savings on dining and grocery platforms such as BookMyShow and BigBasket, making it a reasonable choice for everyday spends.

    Pros

    • Low forex markup fee of 2%
    • Unlimited complimentary domestic lounge visits every year
    • Complimentary memberships to 4 popular platforms
    • Discount on top brands like Nykaa, Flipkart, Myntra, etc.
    • Exclusive health & wellness benefits for women

    Cons

    • Does not offer international lounge access
    • Cashback redemption value is low at 1 RP = Rs. 0.25
    • Maximum capping on accelerated (5X) reward points
    • No reward points on fuel transactions

    Conclusion

    While BOB Tiara Credit Card offers excellent benefits across multiple categories, it also comes with certain limitations, such as the exclusion of fuel spends from the rewards program and maximum capping on accelerated reward points. Additionally, at an annual fee of Rs. 2,499, the card also lacks international lounge access—a feature that many consumers might expect at this price point. Despite these, the card stands out as a strong contender in the mid-range all-rounder segment, offering decent value back across multiple spending categories.

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    Frequently Asked Questions

    Everything you need to know about this credit card

    Yes, BOB Tiara Credit Card offers unlimited complimentary domestic lounge visits every year, on spending Rs. 40,000 in the previous quarter.

    BOB Tiara Credit Card offers annual memberships for Amazon Prime, Disney+ Hotstar, and Gaana Plus, a 3-month Swiggy One membership, and a 6-month Fitpass Pro membership worth Rs. 15,000 as welcome benefits.

    To apply for Tiara credit card, you can submit an enquiry online by visiting the official BOBCARD website. Simply check your eligibility and click on the submit enquiry button on BOBCARD Tiara page. Fill the details, as required, to complete the process.

    BOB Tiara Credit Card offers exclusive women’s health benefits, including complimentary health check-ups such as Pap Smear & Blood Tests, a Mammography package, and more.

    No, reward points are not offered on fuel transactions. However, you can save up to Rs. 250 every month through a 1% fuel surcharge waiver on fuel spends between Rs. 400 and Rs. 4,000.

    Yes, you can redeem reward points as a statement credit, where 1 reward point is equivalent to Rs. 0.25.
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    Footnotes

    1. 5X reward points are capped at 5,000 reward points in a month.
    2. No reward points are offered on fuel spends.

    Click here to know More Terms and Conditions

    Shruti Sharma linkedIn icon

    Content Writer

    Shruti Sharma is a skilled content writer with a passion for simplifying personal finance for consumers. Specializing in credit cards and financial planning, she offers valuable insights that empower individuals to make informed financial choices. Through her writing, she shares practical tips and guides readers through the nuances of credit card usage.

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