BOBCARD Tiara Credit Card Review: Fees & Benefits

Published: October 13, 2026 By Credit Card Path Editorial

BOBCARD Tiara Credit Card official image women-only RuPay premium card

Looking for a credit card designed exclusively for women? The BOBCARD Tiara Credit Card delivers 5X rewards on dining, travel and international spends, unlimited domestic lounge access, women’s health packages, and lifestyle perks worth over ₹30,000. This complete 2026 review covers fees, rewards, eligibility, drawbacks and whether it is the right fit for you.

1. Brief Introduction (Card Overview)

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Card Name: BOBCARD Tiara Credit Card

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Issuer Bank: BOBCARD Limited (100% subsidiary of Bank of Baroda)

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Card Network: RuPay

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Card Type: Premium lifestyle & rewards card (women-only)

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Ideal User for this Card: Women with annual income of ₹7.2 lakh or more who spend regularly on dining, travel, shopping and value health & wellness benefits

2. Key Takeaways

Best for: Women seeking lifestyle rewards, health perks and domestic lounge access
Top Benefit: 15 Reward Points per ₹100 (effective 3.75%) on dining, travel & international spends
Annual Fee: ₹2,499 + GST (waived on ₹2.5 lakh annual spend)
Standout Feature: Complimentary women’s health package + FITPASS + shopping vouchers
Verdict: Strong value for active women spenders who can meet the fee-waiver and lounge thresholds

3. Fees & Charges

Fee Type	Details
Joining Fee	₹2,499 + GST (reversed on spending ₹25,000 within first 60 days)
Annual / Renewal Fee	₹2,499 + GST (waived on spending ₹2,50,000 in the card anniversary year)
Forex Markup Fee	2% + applicable GST on international transactions
Finance Charges (Interest)	3.25% per month (39% p.a.) for Tiara
Reward Redemption Fee	None for cashback redemption (minimum 1,000 points)

4. Cashback, Rewards & Discounts

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Accelerated Rewards: 15 Reward Points for every ₹100 spent on dining, travel and international transactions (effective 3.75% value). Capped at 5,000 points per statement cycle.

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Base Rewards: 3 Reward Points for every ₹100 on all other eligible spends (effective 0.75%).

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Redemption Value: 1 Reward Point = ₹0.25 cashback. Minimum redemption usually 1,000 points. Points on Tiara do not expire.

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UPI Cap: Reward points on UPI transactions (via RuPay) are capped at ₹500 value per statement cycle.

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Exclusions: No reward points on fuel transactions. Certain MCC categories are excluded as per bank policy.

5. Travel Benefits

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Domestic Lounge Access: Unlimited complimentary domestic airport lounge visits for the primary cardholder on spending ₹40,000 in the preceding calendar quarter. Waived for the first quarter on newly issued cards.

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International Lounge: Not available on this card.

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Forex Markup: Competitive 2% markup on international transactions (lower than the usual 3–3.5%).

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Travel Rewards: Accelerated 15 points per ₹100 on travel spends (subject to the 5,000-point cap).

6. Other Lifestyle & Special Perks

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Women’s Health Package: Complimentary package including Pap Smear, blood tests and Mammography (via partner diagnostic centres).

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FITPASS Pro: Complimentary FITPASS Pro membership (typically 6–12 months as per current offer).

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Memberships: Annual Amazon Prime / Jio Hotstar and Gaana Plus memberships; 3-month Swiggy One membership once a year.

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Quarterly Vouchers: ₹500 each on Nykaa, Myntra and Flipkart; ₹1,500 on Lakmé Salon; ₹250 on BigBasket and BookMyShow (min. 2 tickets).

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Fuel Surcharge Waiver: 1% waiver on fuel spends between ₹400 and ₹5,000 (maximum ₹250 per statement cycle).

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Add-on Cards: Up to 3 lifetime-free add-on cards for female family members (mother, sister or daughter above 18 years).

7. Eligibility Criteria

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Gender: Women only (exclusive to female applicants)

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Residency: Indian resident

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Age: Salaried – 21 to 60 years; Self-employed – 21 to 65 years

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Minimum Income: ₹7.2 lakh per annum or higher

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Credit Score: Good CIBIL score (preferably 750+) recommended

8. Drawbacks & Cons

Women-only restriction: Male applicants cannot apply.

Lounge spend threshold: Requires ₹40,000 quarterly spend for unlimited domestic lounge access.

No international lounge access: Purely domestic lounge benefit.

Reward cap: Accelerated 15X rewards capped at 5,000 points per cycle; UPI points also capped.

Fee requires active spending: Annual fee waiver needs ₹2.5 lakh yearly spend.

9. Similar & Alternative Cards

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BOBCARD Eterna: Similar accelerated rewards and unlimited domestic lounges but open to all genders and stronger overall lifestyle benefits. [LINK: Best Premium Credit Cards in India]

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Axis Ace or Flipkart Axis: Better pure cashback options if you prefer shopping-focused rewards without gender restriction. [LINK: Best Cashback Credit Cards in India]

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HDFC Millennia or Swiggy HDFC: Strong lifestyle and dining rewards with lower entry barriers for many users. [LINK: Best Credit Cards for Women in India]

10. Official Website & Essential Links

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Official Bank Link: Apply / View Official Page

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Terms & Conditions: View Most Important Terms & Conditions

11. How to Apply

Online Steps:

Visit the official BOBCARD Tiara page and click “Apply Now”.
Enter basic personal details and verify with OTP on your registered mobile number.
Provide occupation, income, address and select the Tiara card.
Upload KYC and income documents (PAN, Aadhaar, salary slips or ITR).
Complete e-sign and Video KYC for quick processing.

Documents Required:

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Identity: PAN Card (mandatory) + recent passport-size photograph

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Address Proof: Aadhaar, Passport, Driving Licence or Voter ID

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Income Proof: Latest 2–3 months’ salary bank statements / salary slips (salaried) or ITR (self-employed)

12. Safety & Fraud Prevention Tips

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OTP & CVV Security: Banks or officials never ask for OTP, CVV, or passwords over the phone.

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Safe Links: Always use verified and secure channels to avoid any online fraud.

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Zero Liability: BOBCARD offers zero liability protection on lost or stolen cards when reported promptly.

13. Should You Get This Card? (Final Verdict)

Pros Summary: The BOBCARD Tiara Credit Card is best suited for women who regularly spend on dining, travel and shopping, value health & wellness benefits, and can comfortably meet the ₹2.5 lakh annual spend for fee waiver and the quarterly lounge threshold.

Final Conclusion: If you are a woman looking for a premium lifestyle card with strong rewards on key categories, domestic lounge access and exclusive health perks, the BOBCARD Tiara Credit Card is a solid choice. Always verify the latest terms on the official website before applying.

14. Frequently Asked Questions (FAQs)

Q: Can this card be obtained as Lifetime Free?

A: No. The BOBCARD Tiara Credit Card has a joining and annual fee of ₹2,499 + GST. The fees can be waived by meeting the specified spend criteria, but it is not a lifetime-free card.

Q: What is the reward rate on the BOBCARD Tiara Credit Card?

A: You earn 15 Reward Points for every ₹100 spent on dining, travel and international transactions (capped at 5,000 points per cycle) and 3 Reward Points per ₹100 on other eligible spends. Each point is worth ₹0.25 when redeemed as cashback.

Q: How to get unlimited domestic lounge access on this card?

A: Spend at least ₹40,000 in the preceding calendar quarter. The requirement is waived for the first quarter if you are a new cardholder.

Q: Is the BOBCARD Tiara Credit Card available only for women?

A: Yes. It is an exclusive women-only credit card. Male applicants are not eligible.

Q: What is the minimum income required for the Tiara Credit Card?

A: According to the official website, the minimum annual income requirement is ₹7.2 lakh.

Q: Can I use the BOBCARD Tiara Credit Card on UPI?

A: Yes. Being a RuPay card, you can link it to UPI apps such as Google Pay, PhonePe, Paytm or BHIM. Reward points on UPI spends are capped.

Q: Why should I choose the BOBCARD Tiara Credit Card?

A: It combines accelerated rewards on popular categories, unlimited domestic lounges (on meeting spend), women’s health packages, shopping vouchers and lifestyle memberships in one women-centric card.

Q: Is there international lounge access on the Tiara card?

A: No. The card offers only unlimited domestic airport lounge access subject to the quarterly spend condition.

15. Expert Help & Next Steps

Still Confused? Not sure if this credit card is the right choice for your spending habits?

₹49 Expert Consultation: Get personalised advice from our credit card experts and apply safely without falling for online fraud.

Book ₹49 Expert Consultation Apply Now Officially →

16. Disclaimer

Financial Disclaimer: The information provided in this article is strictly for educational and informational purposes. Credit card fees, interest rates, and terms & conditions (T&C) are subject to change by respective banks over time. Always check the official website of the relevant bank to review all rules thoroughly before applying for any card. We are not responsible for any financial losses or approved/rejected applications.

Disclaimer & affiliate disclosure: This review is for informational purposes only. Credit card features, fees and offers can change. Always verify details on the official bank website and MITC before applying. Credit Card Path may earn a commission if you apply through links on this page at no extra cost to you. This does not change the price you pay. We are not a bank or RBI-regulated lender.

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