The verdict
One of the most compelling lifestyle and lounge cards for women professionals in India. Unlimited domestic lounge visits, RuPay UPI convenience, reduced 2.0% forex markup, and rich wellness perks easily outweigh the ₹2,499 annual fee, which waives completely at ₹2.5 Lakhs spend.
Spending ₹2,50,000 annually (₹1,20,000 on dining/travel + ₹1,30,000 general shopping) earns 18,000 5X points + 3,900 base points = 21,900 points (worth ₹4,380 in direct statement cashback). Achieving ₹2.5L waives the ₹2,499 fee. Adding 10 domestic airport lounge visits (~₹10,000 value), quarterly shopping vouchers (~₹4,000), and the women's health checkup (~₹3,000) generates over ₹21,380 in net annual value.
For cardholders who do not utilize domestic airport lounges or the health checkup package, spending less than ₹2.5 Lakhs leaves the ₹2,499 + GST fee un-waived, reducing overall net returns.
✓What works
- +Unlimited complimentary domestic airport lounge access across major Indian terminals.
- +High 3.0% reward rate (15 points per ₹100) on dining, domestic/international travel, and foreign currency spends.
- +Reduced 2.0% foreign currency markup on international transactions.
- +RuPay Select network benefits: UPI linking on Google Pay/PhonePe/BHIM for everyday merchant payments.
- +Complimentary comprehensive annual women's health checkup package (including Pap smear & Mammography).
- +Quarterly lifestyle vouchers for Myntra, Nykaa, Flipkart, and Lakmé Salon.
- +Full annual fee waiver upon spending ₹2,50,000 in a card anniversary year.
✕What doesn't
- −Accelerated 15-point reward earning is capped at 5,000 points per monthly billing cycle.
- −No complimentary international airport lounge access.
- −Curated specifically with women-focused lifestyle benefits.
What it earns
1 Reward Point = ₹0.20 on statement cash credit or brand vouchers.
| Category | Rate | Monthly Cap | Per ₹1L spent |
|---|---|---|---|
| Dining, Travel & International (5X) | 3.0% (15 Points / ₹100) | 5,000 Points / month | 3,000 Points (₹600 value) |
| All Other Domestic Retail Spends | 0.60% (3 Points / ₹100) | Uncapped | 600 Points (₹120 value) |
| Fuel Purchases | 0% | Excluded | 0 Points |
Accelerated earn
15 Points per ₹100 on Dining, Travel & Foreign Spends
Earn 3.0% effective return on restaurants, flights, hotels, and international transactions.
| Category / Channel | Multiplier Rate | Monthly Cap | Cap / Condition |
|---|---|---|---|
| Dining & Food15 points per ₹100 spent on restaurants and food delivery. | 5× · 3.0% | 5,000 Points / month | — |
| Travel & Flights15 points per ₹100 spent on airlines, hotels, and travel portals. | 5× · 3.0% | 5,000 Points / month | — |
| International Transactions15 points per ₹100 spent on foreign currency transactions. | 5× · 3.0% | 5,000 Points / month | — |
Redemption options
Redeem accumulated reward points directly as statement cash credit on the BOBCARD portal.
| Redemption Channel | Value Per Point | Minimum | Ceiling / Limits | Fee |
|---|---|---|---|---|
| Direct Statement CashbackBEST VALUE | ₹0.20 / Reward Point | 500 pts | None | Nil |
| Brand Vouchers & Catalog | ₹0.20 / Reward Point | 500 pts | None | Nil |
Reward Scope: Inclusions & Exclusions
✓Eligible Spends (Inclusions)
- +Domestic airline tickets, hotel reservations, and travel bookings.
- +Restaurant dining, food delivery, and international foreign currency spends.
- +Unlimited domestic airport lounge visits across India.
✕Excluded Spends & Fee Traps
- −Fuel transactions (eligible for 1% surcharge waiver only).
- −Cash advance withdrawals and digital wallet loads.
Fee Schedule & Waiver Criteria
| Fee Component | Amount / Rate |
|---|---|
| Joining Fee | ₹2,499 + GST |
| Annual Renewal Fee | ₹2,499 + GST (Waived on ₹2,50,000 annual spend) |
| Finance Charges (Interest Rate) | 3.49% per month (41.88% per annum) |
| Foreign Currency Markup | 2.00% + GST (Reduced) |
| Fuel Surcharge Waiver | 1% waiver on ₹400 to ₹5,000 transactions (Max ₹250/cycle) |
Eligibility & Approval Criteria
| Criteria | Requirement |
|---|---|
| Target Audience & Age | Women Primary Applicants (21 to 65 years) |
| Minimum Annual Income | ₹7,50,000+ per annum (Salaried or Self-Employed) |
| Credit Score (CIBIL) | 750+ recommended for smooth approval |
Frequently Asked Questions
Does BOBCARD TIARA offer airport lounge access?
What are the MITC charges, annual fees, and interest rates for BOBCARD TIARA?
What is the reward rate and point redemption value on BOBCARD TIARA?
Which transactions are excluded from earning rewards on BOBCARD TIARA?
Who is BOBCARD TIARA best suited for in 2026?
Editorial Deep-Dive Analysis
Comprehensive Overview: BOBCARD TIARA
The BOBCARD TIARA credit card is Bank of Baroda’s premier luxury lifestyle, wellness, and travel credit card curated exclusively for modern women leaders, professionals, and entrepreneurs. Issued on the RuPay Select platform with an annual membership fee of ₹2,499 + GST, the renewal fee is completely waived upon achieving ₹2,50,000 in eligible retail spending within the card anniversary year (alongside joining fee waiver on ₹25,000 spend in the first 60 days).
Designed to celebrate female independence and empowered living, TIARA combines sophisticated financial benefits with curated lifestyle and health perks. Cardholders earn 15 reward points per ₹100 spent (3.0% value at 1 point = ₹0.20) on dining, travel, and international transactions, unlimited complimentary domestic airport lounge access, a reduced 2.0% foreign currency markup, RuPay Select wellness privileges (annual health check-up, complimentary spa sessions, OTT and Swiggy One subscriptions), and up to 3 lifetime free add-on cards for female family members.
Key Privileges and Practical Everyday Benefits
- 5X Accelerated Rewards on Dining, Travel & Global Spends: Earn 15 reward points per ₹100 spent (3.0% value) on restaurant dining, flight tickets, hotel reservations, and international spends (capped at 5,000 points per billing cycle).
- Unlimited Domestic Airport Lounge Access: Enjoy unlimited complimentary domestic airport lounge visits across India (subject to meeting the ₹40,000 quarterly spend benchmark in the preceding calendar quarter).
- RuPay Select Curated Wellness & Lifestyle Privileges: Indulge in complimentary wellness privileges including an annual health check-up package, quarterly spa sessions, Swiggy One 3-month subscription, Gaana Plus annual membership, and golf access.
- Reduced 2.0% Foreign Currency Markup & Movie Perks: Pay only 2.0% + GST on overseas spending and international e-commerce sites, plus Buy One Get One free movie tickets up to ₹250 per month on District / partner app.
- 3 Lifetime Free Add-On Cards for Female Family Members: Empower your mother, sister, or adult daughter with up to 3 complimentary lifetime free add-on cards, alongside a 1% fuel surcharge waiver (transactions ₹400–₹5,000, max ₹250/cycle).
Important Terms and Spend Conditions to Keep in Mind
- Women-Exclusive Issuance Criteria: Primary card membership is strictly reserved for female applicants; male applicants are not eligible for primary issuance.
- Monthly Accelerated Reward Cap: 15 reward points earning on dining, travel, and international categories is capped at 5,000 points per billing cycle.
- Domestic Airport Lounge Qualification: Airport lounge access requires spending a minimum of ₹40,000 in eligible settled retail transactions in the preceding calendar quarter.
- Annual Spend Waiver Target: Full waiver of the ₹2,499 renewal fee requires settling ₹2,50,000 or more in retail spending within the anniversary year.
- Finance Charges (APR): Revolving unpaid statement balances attract standard interest charges of 3.49% per month (41.88% per annum).
Who Benefits Most
- Women Executives & Entrepreneurs: Modern women looking for a dedicated premium card offering high rewards on travel, dining, and professional spending.
- Wellness & Health Enthusiasts: Cardholders who prioritize preventive health check-ups, spa relaxation, and fitness privileges.
- Frequent Domestic Travelers: Women flyers who value unlimited domestic airport lounge access and low 2.0% forex markup on international trips.
- Bank of Baroda / BOBCARD — Tiara Credit Card official schedule of charges
- BOBCARD Tiara — Unlimited domestic lounge access, health package & lifestyle vouchers
Independent Editorial & Statutory Disclaimers
Institutional Transparency & Nominative Fair Use Statement
CredSutra operates as an independent credit card discovery and consumer intelligence engine. CredSutra is NOT a bank, Non-Banking Financial Company (NBFC), Direct Selling Agent (DSA), or Lending Service Provider (LSP).