BOBCARD TIARA Credit Card benefits
- Rewards15
reward points per ₹100 (3.75%) on dining, travel and international spends
- Rewards3
reward points per ₹100 on other spends, worth ₹0.25 each
- Benefit
Quarterly discounts at Myntra, Nykaa, Flipkart, Lakmé Salon, BigBasket and BookMyShow
- Lounge
Unlimited domestic lounge access with ₹75,000 quarterly spends
- Fees
Fee ₹2,499, waived on ₹25,000 in 60 days and on ₹2.5 lakh a year
Good to know
- 2% foreign currency markup
BOBCARD TIARA Credit Card rewards and cashback
| Where you spend | Rate | Monthly limit |
|---|---|---|
| Dining and food delivery5X: 15 reward points per ₹100. All 5X spends share a limit of 5,000 points per statement cycle, then earn 3 points per ₹100. | 15 points per ₹100 | 5,000 |
| Travel5X on travel and international spends. Shares the 5,000 point limit. | 15 points per ₹100 | 5,000 |
| Everything else | 3 points per ₹100 | None |
We value one point at ₹0.25 in the usual redemption.
No rewards on: Fuel, and the merchant categories BOBCARD lists in its reward terms.
All reward rules
- 1 reward point = ₹0.25 when redeemed as cashback, so 5X spends give 3.75% and other spends 0.75%.
- Reward points on credit card UPI payments are capped at ₹500 of value a statement cycle.
- Quarterly discounts: ₹500 each at Myntra, Nykaa and Flipkart, ₹1,500 at Lakmé Salon, ₹250 on BigBasket, and ₹250 off 2 BookMyShow tickets.
- A 3-month Swiggy One membership once a year, and a women's health check-up package.
- Up to 3 lifetime free add-on cards for your mother, sister or daughter, aged above 18.
What the BOBCARD TIARA Credit Card gives back in a year
Say you spend ₹30,000 a month, like our “frequent traveller” pattern. Worked out with the same maths as the calculator above.
| Spending | A month | Back | A year |
|---|---|---|---|
| Groceries | ₹3,000 | 0.75% | ₹270 |
| Dining and food delivery | ₹4,000 | 3.75% | ₹1,800 |
| Online shopping | ₹3,000 | 0.75% | ₹270 |
| Travel | ₹14,000 | 3.75% | ₹6,300 |
| Fuel | ₹1,000 | 0% | ₹0 |
| Bills and utilities | ₹2,000 | 0.75% | ₹180 |
| Everything else | ₹3,000 | 0.75% | ₹270 |
| Total | ₹30,000 | ₹9,090 | |
| Renewal fee with GST | Waived | ||
| You keep | ₹9,090* |
BOBCARD TIARA Credit Card annual fee and charges
- Joining fee
- ₹2,499
- Annual fee
- ₹2,499
- Fee waiver
- ₹2,50,000 a year
- Foreign currency markup
- 2%
Joining fee and annual fee of ₹2,499 each, before GST. The joining fee is waived if you spend ₹25,000 in the first 60 days; otherwise it is charged in the third statement. The annual fee is waived if you spend ₹2.5 lakh in each card year.
Fuel surcharge: 1% fuel surcharge waiver on transactions from ₹400 to ₹5,000, up to ₹250 per statement cycle.
BOBCARD TIARA Credit Card eligibility
- Age
- 21 to 60
- Salaried income
- ₹7,20,000 a year
- Self-employed income
- ₹7,20,000 a year
For women only, who are residents of India, with an income of ₹7.2 lakh a year or more. BOBCARD may consider other ages at its discretion.
The bank alone decides approval and your credit limit.
BOBCARD TIARA Credit Card lounge access
The bank's terms list no fixed number of free airport lounge visits on this card.
Unlimited complimentary domestic airport lounge access when you spent ₹75,000 or more in the previous calendar quarter. We do not count it as a fixed number of visits.
Is the BOBCARD TIARA Credit Card right for you?
A card with a ₹2,499 fee that spending can waive, paying 3.75% on dining and food delivery and an average 0.75% elsewhere.
Worth its fee if you spend about ₹10,000 a month or more. Below that, the ₹2,499 fee costs more than the card gives back on spending like the example above.
Good for you if
- You spend a lot on dining and food delivery: the card pays 3.75% back there, against 0.75% on most other spends.
- You spend ₹2,50,000 a year or more (about ₹20,900 a month), so the ₹2,499 renewal fee is waived.
- You pay in foreign currency, abroad or on foreign websites: the markup is 2%, against a typical 3.5% on the cards we list.
- You pay by UPI: it is a RuPay card you can link to UPI apps and use at shop QR codes.
Not for you if
- You spend less than about ₹20,900 a month: you would pay ₹2,949 a year with GST.
Check the latest fees and terms on the bank's page before you apply.
Alternatives to BOBCARD TIARA Credit Card
Two similar cards to weigh up before you apply. The last column shows what each may be worth on ₹30,000 a month of mixed spending, after the renewal fee with GST. Rates paid only at named brands are not counted, so a brand card can earn more if you shop there.
| Card | Annual fee | Rewards up to | You keep a year |
|---|---|---|---|
| BOBCARD TIARA Credit Card | ₹2,499 | 3.75% | ₹4,590* |
| BOBCARD ETERNA Credit Card | ₹2,499 | 3.75% | ₹7,470* |
| HSBC RuPay Cashback Credit Card | ₹499 | 10% | ₹4,800* |
If most of your spending looks like the example above, the BOBCARD ETERNA Credit Card may suit you better: it would leave you ₹10,170 a year, against ₹9,090 with the BOBCARD TIARA Credit Card.
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms.
Frequently asked questions
What is the annual fee of the BOB Tiara Credit Card?
The joining fee and the annual fee are ₹2,499 each, before GST. The joining fee is waived if you spend ₹25,000 in the first 60 days, and the annual fee is waived if you spend ₹2.5 lakh in a card year.
Is the BOBCARD TIARA only for women?
Yes. BOBCARD says TIARA is only for women. Men cannot apply. You can get up to 3 lifetime free add-on cards for your mother, sister or daughter.
What is the eligibility for the BOB Tiara Credit Card?
Indian resident women aged 21 to 60, with an annual income of ₹7.2 lakh or more. BOBCARD may consider other ages at its discretion.
How much is a BOBCARD TIARA reward point worth?
1 reward point is worth ₹0.25 as cashback. So 15 points per ₹100 on dining, travel and international spends is 3.75% back, up to 5,000 points a statement cycle.
Does the BOB Tiara card give lounge access?
Yes. It gives unlimited domestic airport lounge access if you spent ₹75,000 or more in the previous calendar quarter.