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BOBCARD Tiara Credit Card

BOBCARD Tiara Credit Card

✍️ Fact-checked by Parash Editorial • 🔄 Updated April 2026
Bank of Baroda RuPay Premium

Join / Annual

₹0/₹2499

Base Rate

3.0%

Reward Type

Points

Overview

The BOBCARD Tiara Credit Card is a Premium credit card issued by Bank of Baroda on the RuPay network. It offers a base reward rate of 3.0% on all spends, with rewards issued as Points(1 pt = ₹0.25).

Annual Fee: ₹2,499
Eligibility: Min. ₹7.2 LPA annual income, Age: 21-65 years.

Reward Rates & Cashback Rules

  • CATEGORY – Dining: 15.0% cashback | monthly cap ₹1250.0 ⚠️ Accelerated rewards are capped at a total of 5,000 points per statement cycle across Dining, Travel, and International spends combined. Spends beyond this limit earn the base rate of 3 points/₹100.
  • CATEGORY – Travel: 15.0% cashback | monthly cap ₹1250.0 ⚠️ Accelerated rewards are capped at a total of 5,000 points per statement cycle across Dining, Travel, and International spends combined. Spends beyond this limit earn the base rate of 3 points/₹100.
  • CATEGORY – International: 15.0% cashback | monthly cap ₹1250.0 ⚠️ Accelerated rewards are capped at a total of 5,000 points per statement cycle across Dining, Travel, and International spends combined. Spends beyond this limit earn the base rate of 3 points/₹100.
  • CATEGORY – UPI: 3.0% cashback | monthly cap ₹125.0 ⚠️ Reward points on UPI transactions are capped at 500 points per statement cycle.
  • CATEGORY – Fuel: 0.0% cashback
  • CATEGORY – Rent: 0.0% cashback
  • CATEGORY – Wallet Load: 0.0% cashback
  • CATEGORY – EMI: 0.0% cashback
  • CATEGORY – Insurance: 0.0% cashback

Key Features & Benefits

  • Airport Lounge Access ✈️: Unlimited complimentary domestic airport lounge access, subject to spending ₹40,000 in the preceding calendar quarter. Waived for the first quarter.
  • Fuel Surcharge Waiver ⛽: 1% fuel surcharge waiver (up to ₹250/month) on transactions between ₹400 and ₹5,000.
  • Health & Wellness Benefits 🏥: Complimentary women's health package (Pap Smear, Blood Tests, Mammography) and a 6-month FitPass Pro membership.
  • Complimentary Subscriptions 🎬: Annual memberships for Amazon Prime or Disney+ Hotstar, Gaana Plus, and a 3-month Swiggy One membership.
  • Quarterly Vouchers 🛍️: Receive quarterly discount vouchers for Myntra, Nykaa, Flipkart, Big Basket, BookMyShow, and Lakme Salon.
  • Add-on Cards 👨‍👩‍👧‍👦: Up to 3 lifetime free add-on cards for family members.

Eligibility Criteria

Min. ₹7.2 LPA annual income, Age: 21-65 years.

Features & Benefits

✈️

Airport Lounge Access

Unlimited complimentary domestic airport lounge access, subject to spending ₹40,000 in the preceding calendar quarter. Waived for the first quarter.

⛽

Fuel Surcharge Waiver

1% fuel surcharge waiver (up to ₹250/month) on transactions between ₹400 and ₹5,000.

🏥

Health & Wellness Benefits

Complimentary women's health package (Pap Smear, Blood Tests, Mammography) and a 6-month FitPass Pro membership.

🎬

Complimentary Subscriptions

Annual memberships for Amazon Prime or Disney+ Hotstar, Gaana Plus, and a 3-month Swiggy One membership.

🛍️

Quarterly Vouchers

Receive quarterly discount vouchers for Myntra, Nykaa, Flipkart, Big Basket, BookMyShow, and Lakme Salon.

👨‍👩‍👧‍👦

Add-on Cards

Up to 3 lifetime free add-on cards for family members.

Cashback Engine Rules

The exact calculator logic parameters extracted from the terms & conditions.

Dining
Reward: 15.0% Monthly Cap: ₹1250.0
⚠️ Exceptions: Accelerated rewards are capped at a total of 5,000 points per statement cycle across Dining, Travel, and International spends combined. Spends beyond this limit earn the base rate of 3 points/₹100.
15%
Travel
Reward: 15.0% Monthly Cap: ₹1250.0
⚠️ Exceptions: Accelerated rewards are capped at a total of 5,000 points per statement cycle across Dining, Travel, and International spends combined. Spends beyond this limit earn the base rate of 3 points/₹100.
15%
International
Reward: 15.0% Monthly Cap: ₹1250.0
⚠️ Exceptions: Accelerated rewards are capped at a total of 5,000 points per statement cycle across Dining, Travel, and International spends combined. Spends beyond this limit earn the base rate of 3 points/₹100.
15%
UPI
Reward: 3.0% Monthly Cap: ₹125.0
⚠️ Exceptions: Reward points on UPI transactions are capped at 500 points per statement cycle.
3%
Fuel Exclusion
Rent Exclusion
Wallet Load Exclusion
EMI Exclusion
Insurance Exclusion

Value Chart

Assuming basic spends for BOBCARD Tiara Credit Card

Category BOBCARD Tiara Credit Card Axis Bank Magnus Credit Card Axis Bank Select Credit Card Axis Bank Horizon Credit Card
₹
Joining Fee 		₹0 ₹0 ₹0 ₹0
₹
Annual Fee 		₹2499 ₹12500 ₹3000 ₹3000
🌍
Forex Markup 		3.5% 3.5% 3.5% 3.5%
%
Base Rate 		3.0% 6.0% 5.0% 2.0%
★
Known Rules 		9 rules 8 rules 11 rules 11 rules

Pros & Cons

✓

Pros

  • + Dining — 15.0% Points (cap ₹1250.0)
  • + Travel — 15.0% Points (cap ₹1250.0)
  • + International — 15.0% Points (cap ₹1250.0)
  • + UPI — 3.0% Points (cap ₹125.0)
  • + Airport Lounge Access
  • + Fuel Surcharge Waiver
  • + Health & Wellness Benefits
  • + Complimentary Subscriptions
✗

Cons

  • − No reward on Fuel
  • − No reward on Rent
  • − No reward on Wallet Load
  • − No reward on EMI
  • −Forex markup of 3.5% on international spends

Our Verdict

₹ Real Value Calculation (assumed ₹3L/year spend)

Est. Annual Rewards

₹9000

Annual Fee

₹2499

Net Value

+₹6501

✅ At ₹3L/year spend, base rewards alone cover the fee. Additional benefits like lounge access add further value.

👍 Best For

  • › High spenders who can offset the annual fee through rewards
  • › Frequent flyers who value unlimited airport lounge access
  • › Travellers who use hotel & lifestyle benefits regularly

👎 Not Worth It If…

  • › You spend heavily in foreign currency — 3.5% markup adds up fast
  • › You rarely use premium benefits like lounges or concierge
  • › You prefer a no-annual-fee card with simpler terms

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Frequently Asked

You earn 15 Reward Points per ₹100 (3.75% value) on Dining, Travel, and International spends, and 3 Reward Points per ₹100 (0.75% value) on all other categories. One Reward Point is worth ₹0.25.

Yes, the accelerated 15 points/₹100 rate is capped at 5,000 points per statement cycle across all accelerated categories combined. Additionally, rewards on UPI transactions are capped at 500 points per cycle.

The annual fee of ₹2,499 is waived if you spend ₹2,50,000 or more in the previous card year. The joining fee is also reversed if you spend ₹25,000 within the first 60 days of getting the card.

The card offers unlimited domestic lounge access, but you must have spent at least ₹40,000 in the previous calendar quarter to be eligible. This spending requirement is waived for the first quarter after you receive the card.

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