In-depth review
Bank of Baroda Tiara Credit Card
Most premium cards differentiate on reward rate; the BOBCARD Tiara differentiates on who it's for. A women-first card anchored by complimentary health screenings (Pap smear, mammography) that almost no other Indian card offers, plus 5X rewards, unlimited domestic lounges and lifestyle memberships. For women who'll use the health benefit, it's an easy card to like — held back only by BOB's thin rewards ecosystem.
Read the full review →Key features
What this card is built to do — the highlights that actually matter.
3.75% on Dining
15 reward points per ₹100 (5X, ~3.75%) — part of the SHARED 5,000-point (~₹1,250) per-cycle cap across dining/travel/international
3.75% on International
15 reward points per ₹100 (5X, ~3.75%) — part of the SHARED 5,000-point (~₹1,250) per-cycle cap across dining/travel/international
Airport Lounge Access
Unlimited domestic airport lounge access on ₹75,000 of spend in the previous quarter — raised from ₹40,000 on 15 July 2026. No international lounge access.
Annual Fee Waiver
Fee of ₹2,499 + 18% GST (₹2,949 all-in)/yr fully waived when you spend ₹2,50,000/year
Fuel Surcharge Waiver
1% waiver on fuel transactions, capped at ₹250/month
Movie Ticket Benefit
Quarterly flat ₹250 off on a minimum purchase of 2 movie or non-movie tickets via BookMyShow
OTT Subscription
Complimentary Amazon Prime or JioHotstar and Gaana Plus memberships
UPI Linked
Pay UPI QR codes from your credit line. What UPI payments earn can depend on the app you pay through, so check the rewards details.
🎬 ENTERTAINMENT BENEFITS
Movies, OTT subscriptions and entertainment perks.
INCLUDED OTT SUBSCRIPTIONS
- Quarterly flat ₹250 off on a minimum purchase of 2 movie or non-movie tickets via BookMyShow
- Free OTT: Hotstar, Amazon Prime
✈️ TRAVEL BENEFITS
Lounge access, miles, forex rates and travel perks at a glance.
AIRPORT LOUNGE ACCESS
Unlimited visits
Domestic lounges
₹12,000
Estimated annual value
2%
Forex markup
3.8%
Travel reward rate
- Domestic airport lounge access (worth ~₹12,000/yr)
- 3.8% effective return on travel bookings
- Low forex markup: 2.0%
👑 PREMIUM LIFESTYLE BENEFITS
Concierge, golf, hotel membership and high-value perks for premium cardholders.
🍽️ FOOD & DINING BENEFITS
Dining rewards, food delivery cashback and partner benefits.
3.8%
Dining cashback rate
- 3.8% return on restaurant and dining spends
For women who want a premium card pairing a genuine health-benefits package with a strong dining/travel earn and unlimited domestic lounge access.
Full reward structure
What you earn on every rupee, per spend category — as of 11 Oct 2026. Rates assume 1 pt = ₹0.25. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Dining | reward points | 3.75%15 pts/₹100 × ₹0.25 | ₹1,250one cap shared with International, Travel |
| International | reward points | 3.75%15 pts/₹100 × ₹0.25 | ₹1,250one cap shared with Dining, Travel |
| Travel | reward points | 3.75%15 pts/₹100 × ₹0.25 | ₹1,250one cap shared with Dining, International |
| Other | reward points | 0.75%3 pts/₹100 × ₹0.25 | — |
Dining: 15 reward points per ₹100 (5X, ~3.75%) — part of the SHARED 5,000-point (~₹1,250) per-cycle cap across dining/travel/international
International: 15 reward points per ₹100 (5X, ~3.75%) — part of the SHARED 5,000-point (~₹1,250) per-cycle cap across dining/travel/international
Travel: 15 reward points per ₹100 (5X, ~3.75%) — part of the SHARED 5,000-point (~₹1,250) per-cycle cap across dining/travel/international
Other: 3 reward points per ₹100 on all other eligible spends; UPI spends earn core points only, capped at ₹500 (2,000 RP) per statement cycle
Earns nothing on: Fuel · Select MCCs
These spends earn no rewards at all — not a reduced rate, and not the base rate. They are also normally left out of any milestone or fee-waiver calculation.
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying. Fees below are shown inclusive of 18% GST, as of 11 Oct 2026.
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹2,949 |
| Joining fee (incl. 18% GST) | ₹2,949 |
| Finance charge (APR) | 3.75% p.m. |
| Forex markup | 2% |
| Fuel surcharge waiver | 1%, cap ₹250 |
Perks & benefits
Estimated annual value beyond rewards — ~₹16,500/yr in total.
Complimentary Amazon Prime or JioHotstar and Gaana Plus memberships
Unlimited domestic airport lounge access on ₹75,000 of spend in the previous quarter — raised from ₹40,000 on 15 July 2026. No international lounge access.
Quarterly flat ₹250 off on a minimum purchase of 2 movie or non-movie tickets via BookMyShow
1% fuel surcharge waiver on transactions of ₹400–₹5,000 (max ₹250 per statement cycle)
Should you get it?
- Best for: Bank of Baroda premium relationship customer, Mid-level manager or business owner banking with BOB, Step-up from BOB Eterna or Premier, ₹50,000+/month spender in BOB relationship
- Premium tier — a solid all-rounder for steady monthly spend.
- Strongest value if you spend heavily on Dining (3.75% back).
- Frequent travellers benefit from the included airport lounge access.
Pros & cons
✓ Pros
- Strong reward earn on dining, travel, and lifestyle spends
- Lounge access for domestic travel within the Bank of Baroda ecosystem
- Attractive annual fee structure for BOB relationship customers
- ₹2,499 joining fee reverses on ₹25,000 of spend in the first 60 days — effectively free for an active user
✕ Cons
- BOB's rewards ecosystem less mature than HDFC/ICICI/Axis
- ₹2,499 annual fee — competitive but the redemption catalogue trails larger banks
- Limited co-brand partnerships compared to private sector banks
- BOB credit card acceptance may lag in rural areas
Eligibility & documents
This is the figure for salaried applicants. Where BOBCARD sets a separate one for the self-employed, its own eligibility page gives it.
Documents required
- 📄PAN card
- 📄Aadhaar / address proof
- 📄Income proof (salary slips or ITR)
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Redeem reward points as cashback at ₹0.25 each
- 🎁Gift vouchers and products via the BOBCARD rewards catalogue
What your BOB Reward Points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Standard redemption
Brand & e-gift vouchers
At this fee the private banks offer materially stronger perk stacks — Tiara competes on relationship convenience, not value.
Frequently asked questions
What does BOB Tiara earn?
How do I get free lounge access?
Is the annual fee waived?
How has the Bank of Baroda Tiara Credit Card changed over time?
Has the Bank of Baroda Tiara Credit Card been devalued recently?
When did the Bank of Baroda Tiara Credit Card's fees last change?
How did the Bank of Baroda Tiara Credit Card change in 2026?
The bottom line
Tiara is a rare credit card with a real, differentiated proposition: the women's health vouchers are not a gimmick, and the ~3.75% on dining/travel/international plus unlimited domestic lounges make it a capable premium card on its own merits. BOBCARD has been trimming it, though — the ₹10 lakh accidental cover was withdrawn in July 2026 and the lounge bar nearly doubled to ₹75,000 a quarter. The capped 5X and no-international-lounge are the other limits to note.
How this page was built
Counted from this card’s own record: 4 earn rules, 3 of them capped, the spends listed as earning nothing and 4 recorded perks. The renewal fee is conditional — it is waived on a published spend target, so the fee you pay depends on what you spend.
Last updated 11 Oct 2026.
Sources & verification
Fees, reward rates, and benefits for the Bank of Baroda Tiara Credit Card are taken from BOBCARD's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page. Last updated 11 Oct 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for BOBCARD. All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
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Guides and reviews related to this card.
Bank of Baroda Tiara Credit Card
Most premium cards differentiate on reward rate; the BOBCARD Tiara differentiates on who it's for. A women-first card anchored by complimentary health screenings (Pap smear, mammography) that almost no other Indian card offers, plus 5X rewards, unlimited domestic lounges and lifestyle memberships. For women who'll use the health benefit, it's an easy card to like — held back only by BOB's thin rewards ecosystem.
Bank of Baroda Eterna Credit Card
The best card Bank of Baroda makes — 3.75% on online, travel, dining and international spends plus unlimited domestic lounges, for a ₹2,499 fee that waives at ₹2.5 lakh of spend. On rate alone it punches well above BOB's reputation. The one persistent catch is redemption: BOB's shallow catalogue makes extracting the full 3.75% harder than earning it.
Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2024 · last change Jul 2026
2026
- ▼ BenefitObserved 17 Jun 2026 · Effective 15 Jul 2026
Accidental death insurance withdrawn
Air and non-air accidental death cover ends for Tiara: not offered on cards issued after 15 July 2026, and discontinued for existing eligible cardholders from 25 August 2026.
Verification: BOBCARD ↗ · Confidence: High
- ▼ FeeObserved 17 Jun 2026 · Effective 15 Jul 2026
Finance charge raised to 3.75%/month
3.25% (39% p.a.)→3.75% (45% p.a.)
Effective 15 July 2026 (announced 17 June 2026) the monthly finance (interest) charge on Tiara rises from 3.25% (39% per annum) to 3.75% (45% per annum) — the rate charged on revolved balances and cash advances.
Verification: BOBCARD ↗ · Confidence: High
- ▼ LoungeObserved 17 Jun 2026 · Effective 15 Jul 2026
Lounge spend threshold raised to ₹75,000/quarter
₹40,000/quarter→₹75,000/quarter
Announced 17 June 2026 and effective 15 July 2026, the spend needed to unlock unlimited domestic lounge access on Tiara rises from ₹40,000 to ₹75,000 in the preceding calendar quarter. Holders who spent ₹40,000–74,999 in Q2 2026 keep access only until 15 July 2026, not through the full quarter.
Verification: BOBCARD ↗ · Confidence: High
- ▼ FeeEffective 1 Apr 2026
Processing fees added on toll/bus, high-value rail and third-party education spends
None→1% (toll/bus ≥₹5,000; rail ≥₹30,000; 3rd-party education apps — each max ₹5,000)
From 1 April 2026 BOBCARD applied a 1% processing fee across almost all its cards: on toll and bus (MCC 4784) spends of ₹5,000 or more, on railway bookings (MCC 4112) of ₹30,000 or more (capped ₹5,000), and on education-fee payments made through third-party apps such as CRED, Paytm, PhonePe and MobiKwik (capped ₹5,000).
Verification: BOBCARD ↗ · Confidence: High
2025
- ▼ LoungeEffective 1 Jan 2025
Lounge access gated to ₹40,000/quarter spend
Unlimited, unconditional→₹40,000 spend in prior quarter
From 1 January 2025 BOBCARD tied Tiara's unlimited domestic lounge access to a minimum spend of ₹40,000 in the preceding calendar quarter (waived only for the quarter of card issuance). At launch weeks earlier the unlimited domestic lounge benefit carried no spend condition.
Verification: BOBCARD ↗ · Confidence: High
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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Source: <a href="https://cardadvisor.in/cards/bob-tiara#value-timeline">Bank of Baroda Tiara Credit Card value timeline</a>, CardAdvisor (CC BY 4.0).
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