BOBCARD TIARA Credit Card Review

At a Glance

Joining Fee	₹2,499 + GST (₹2,948.82 all-in), waived on ₹25,000 spent in the first 60 days
Annual Fee	₹2,499 + GST (₹2,948.82 all-in), waived on ₹2,50,000 spent in the card anniversary year
Best Suited For	Women earning ₹7.2 lakh or more who dine out, travel and shop on Myntra, Nykaa and Flipkart
Reward Type	Reward points worth ₹0.25 each, redeemable as cashback, with no expiry

The BOBCARD TIARA is a women-only credit card from BOBCARD, the card arm of Bank of Baroda.

It packs a lot in for ₹2,499: 5X reward points on dining, travel and international spends, unlimited domestic airport lounge visits, a 2% forex markup and a stack of quarterly vouchers for Myntra, Nykaa, Flipkart, Lakmé Salon and BigBasket.

Points never expire and cost nothing to redeem. The fine print is where the work is. Lounge access needs ₹75,000 of spending every quarter, the 5X rate is capped, and “travel” means a narrow set of merchants. This review lays out what the card really returns.

Rewards & Benefits

Reward rate and earn structure

Spend type	Points per ₹100	Value back
Dining, travel and international spends	15 (5X), capped at 5,000 points a statement cycle	3.75%
Hotels booked on BOBCARD SmartDeal	30	7.5%
Flights booked on BOBCARD SmartDeal	12	3%
All other spends	3	0.75%
Fuel and select merchant categories	None	0%

The 5X cap of 5,000 points a cycle is worth ₹1,250 and is reached at about ₹33,300 of spend in those categories; after that they earn the regular 3 points.

BOBCARD defines the categories by merchant code: dining is restaurants (MCC 5812), travel is travel agencies (MCC 4722) and international is any transaction flagged as foreign.

A flight booked directly on an airline’s own website may not code as a travel agency, so book through an online travel agent if you want 5X. BOBCARD’s page also states that reward points on UPI spends are capped at ₹500 per statement cycle.

Redemption and point value

Every point is worth ₹0.25 when you redeem it as cashback, and BOBCARD charges no redemption fee.

A ₹10,000 dinner-and-travel month earns 1,500 points, or ₹375. TIARA points are evergreen, so they never lapse while the card is active. Points carried over from an older BOBCARD that was upgraded to TIARA keep their original expiry.

Welcome, quarterly and lifestyle benefits

Benefit	Value	How often
Myntra, Nykaa and Flipkart discounts	₹500 each	Every calendar quarter
Lakmé Salon discount	₹1,500	Every calendar quarter
BigBasket discount	₹250	Every calendar quarter
BookMyShow	Flat ₹250 off on 2 or more tickets	Every calendar quarter
Swiggy One membership	3 months	Once a year
OTT and music memberships (Amazon Prime or JioHotstar, Gaana Plus)	Annual membership	Yearly
FITPASS PRO	12 months	Welcome benefit, cards issued from 1 August 2026

At face value, the quarterly vouchers add up to ₹3,500 a quarter, or ₹14,000 a year, but they are discounts at specific brands, so they are worth that only if you already shop there.

They go to the primary cardholder only and are claimed through BOBCARD’s login and the RuPay Select benefits portal.

The card also includes a women’s health check-up package with Pap smear, blood tests and mammography, and up to three lifetime-free add-on cards for your mother, sister or daughter aged over 18.

Travel, lounge and fuel

Lounge	Allowance	Condition
Domestic airport lounges	Unlimited	₹75,000 net spend in the previous calendar quarter
International lounges	None	Not offered

Spends must settle within the quarter to count, and interest, fees, EMI instalments and reversed transactions are excluded. The fuel surcharge waiver is 1% on transactions between ₹400 and ₹5,000, capped at ₹250 per statement cycle.

Fees & Charges

Charge	Amount
Joining fee	₹2,499 + GST, waived on ₹25,000 in the first 60 days
Annual fee	₹2,499 + GST, waived on ₹2,50,000 in the anniversary year
Interest rate	3.75% a month (45% a year)
Cash withdrawal fee	2.5% of the amount, minimum ₹500
Forex markup	2%
Late payment fee	Nil below ₹100; ₹100 (₹100 to ₹500); ₹400 (₹501 to ₹1,000); ₹750 (₹1,001 to ₹10,000); ₹950 (₹10,001 to ₹25,000); ₹1,100 (₹25,001 to ₹50,000); ₹1,300 above ₹50,000
Over-limit fee	2.5% of the over-limit amount or ₹600, whichever is higher
Rent and wallet loads	1% of the transaction
Fuel transactions of ₹10,000 or more	1% of the transaction
Utility transactions of ₹50,000 or more	1%, maximum ₹3,000
Railway bookings of ₹30,000 or more	1%, maximum ₹5,000
Toll and bus transactions of ₹5,000 or more	1%
Education fees via third-party apps	1%, maximum ₹5,000
Reward redemption	Free

All fees attract 18% GST. The joining fee is easy to dodge: ₹25,000 in the first 60 days, or about ₹12,500 a month.

If you miss it, the fee is charged in your third statement. The annual waiver needs ₹2,50,000 a year, about ₹20,850 a month. Someone already spending ₹75,000 a quarter for lounge access will cross ₹3 lakh a year and pay no fee at all.

The charge that catches people out is the 1% processing fee list. Rent and wallet loads are charged from the first rupee, so do not use this card for rent.

Eligibility & Documents Required

Who can apply	Indian resident women only
Age	25 to 55 years, with exceptions at BOBCARD’s discretion
Income	₹7.2 lakh a year or more
Identity	PAN (mandatory) and a recent passport-size photo
Address	Passport, driving licence, Aadhaar or voter ID
Income proof	Salaried: last 2 months’ bank statement showing salary. Self-employed: last 3 months’ bank statement

Pros & Cons

Pros	Cons
3.75% on dining, travel and foreign spends	5X capped at 5,000 points a cycle
Unlimited domestic lounges	Lounges need ₹75,000 a quarter
Points never expire, free redemption	No international lounges
₹3,500 of brand vouchers a quarter	1% fee on rent and wallet loads

BOBCARD TIARA vs Competitors

Feature	BOBCARD TIARA	BOBCARD Eterna	IDFC FIRST Select
Annual fee	₹2,499, waived at ₹2.5 lakh	₹2,499, waived at ₹2.5 lakh	Nil
5X or 10X categories	Dining, travel, international	Online, international and more	Dining, travel, international, birthday
Domestic lounge	Unlimited, ₹75,000 a quarter	Unlimited, ₹75,000 a quarter	1 a quarter
Forex markup	2%	2%	0%

TIARA and the BOBCARD Eterna share the same fee, waiver and lounge rules; Eterna adds online shopping to its accelerated list, while TIARA adds the women-focused vouchers and health pack.

How to Apply

Use the Apply button on this page to reach the TIARA page and tap Apply Now. Fill in your details and upload your PAN, address proof and income proof.

You can also leave your details for a callback from BOBCARD. Track the application on BOBCARD’s site, and once the card arrives, register on the RuPay Select portal to claim the quarterly vouchers.

Frequently Asked Questions

Is the BOBCARD TIARA annual fee waived?

Yes, if you spend ₹2,50,000 in the card anniversary year. The joining fee is waived on ₹25,000 spent in the first 60 days.

How many lounge visits does BOBCARD TIARA give?

Unlimited domestic airport lounge visits, provided you spent ₹75,000 in the previous calendar quarter. There is no international lounge access.

What is the minimum income for BOBCARD TIARA?

₹7.2 lakh a year, and you must be a woman aged 25 to 55.

Can men apply for the TIARA card?

No. TIARA is issued only to women, and its free add-on cards are only for female family members.

Do TIARA reward points expire?

No. Points earned on TIARA are evergreen and can be redeemed as cashback at ₹0.25 each with no fee.

Does TIARA work on UPI?

Yes. It is a RuPay card, so you can add it to BHIM, Google Pay, PhonePe or Paytm and pay at merchant QR codes.

Bottom Line

Get the BOBCARD TIARA if you are a woman who spends ₹75,000 or more a quarter, eats out, books travel through agents and already shops at Myntra, Nykaa or Lakmé.

At that level the fee disappears, the lounges are unlimited and the vouchers are real money. Skip it if your spending is under ₹20,000 a month, because you will pay ₹2,499 + GST and lose the lounges.

Skip it too if you travel abroad often, since a zero-markup card such as IDFC FIRST Select saves you 2% on every foreign spend.