The rewards program strengthens the card's overall value by offering accelerated rewards points on dining, travel, and international spends. However, considering the card’s focus on international travel, with benefits like a low forex markup fee and accelerated rewards on foreign transactions, the lack of international lounge visits might impact the overall value of this card.
Bank of Baroda
BOB Tiara Credit Card
Travel
Reward Points
1st Year Fee: ₹2,499* Plus Applicable Taxes
Travel
Unlimited domestic lounge access
Shopping
Discount on Nykka, Flipkart & Myntra
Rewards
5X rewards on dining & travel
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About BOB Tiara Credit Card
BOB Tiara Credit Card is a strong contender in the mid-range credit card segment. At an annual fee of Rs. 2,499, this card offers an array of lifestyle, travel, dining, entertainment, and health & wellness benefits (exclusively for women), making it a reasonable choice for those seeking comprehensive rewards and benefits.
Cardholders can earn up to 5X rewards on everyday spending categories such as dining and travel. Additionally, the card offers exceptional value through complimentary memberships to popular platforms like Amazon Prime, Disney+ Hotstar, Gaana Plus, Swiggy One, and Fitpass Pro, catering to multiple categories, such as entertainment, dining, and fitness. For shoppers, the card offers quarterly discounts of up to Rs. 1,500 on leading brands such as Nykaa, Flipkart, Myntra, BookMyShow, and Lakme Salon.
This credit card also offers travel benefits, like a low forex markup fee of 2%, accelerated rewards on international spends, and unlimited domestic lounge access. However, it does not offer international lounge visits and the domestic lounge access comes with a spend-based condition, which might be disappointing for some travellers. Despite this, the low forex markup fee and accelerated rewards on foreign transactions make it a practical choice for international use.
With its well-rounded rewards structure, lifestyle benefits, and travel benefits, BOB Tiara Credit Card emerges as an excellent option for first-time credit card users or those looking to upgrade from a basic credit card.
Note: This Card is not available on Paisabazaar. The content on this page is for information only. To express interest in this card, please visit BOB Card’s website.
Travel & Lifestyle Benefits
Travel Benefits:
- Low forex markup fee of 2%
- Unlimited complimentary domestic lounge access for primary cardholder on spending Rs. 40,000 in a quarter
Complimentary Memberships:
- Complimentary annual memberships of Amazon Prime/ Disney Hotstar and Gana Plus, once per annum
- Complimentary 3 months Swiggy One membership, once per annum
- Complimentary 6 months Fitpass Pro Membership worth Rs. 15,000
Other Features & Benefits
Rewards Program
- 15 reward points for every Rs. 100 spent on dining, travel and internationally1
- 3 reward points for every Rs. 100 spent on other categories2
- Redeem reward points against cashback at a value of 1 Reward Point = Rs. 0.25
Joining Fee Reversal: Joining fee reversal on spending Rs. 25,000 within the first 60 days of card issuance.
Annual Fee Reversal: Annual fee reversal on spending Rs. 2.5 Lakh in a year.
Fuel Surcharge Waiver: 1% fuel surcharge waiver on fuel spends between Rs. 400 and Rs. 5,000, capped at Rs. 250 per month.
Health & Wellness: Complimentary women’s health package, including Pap Smear & Blood Tests, Mammography package and more.
BOB Tiara Credit Card : Fees & Charges
| Fee Type | Amount | ||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Rs. 2,499 + applicable taxes | ||||||||||||||||
| Annual Fee | Rs. 2,499 + applicable taxes | ||||||||||||||||
| Finance Charges | 3.6% p.m. (43.2% p.a.) | ||||||||||||||||
| Late Payment Charges |
|
Things to Know Before you apply
Get this card if
You frequently spend on dining, travel, and international transactions to maximize accelerated rewards
You frequently travel & want to avail benefits through complimentary domestic lounge visits
You want complimentary memberships and discounts on top brands like Nykaa, Flipkart, and Myntra
You’re looking for exclusive health & wellness benefits for women
Eligibility Requirements
Age: 21 to 65 years
Occupation: Self-employed or Salaried
Income Requirement: Rs. 7.2 LPA
Paisabazaar Review
What do we like about this card?
One of the standout features of BOB Tiara Credit Card is its emphasis on travel and lifestyle benefits. For frequent travellers, it offers unlimited domestic lounge access, a low forex markup fee of 2%, and 5X rewards on international spends. The card also offers complimentary memberships to Amazon Prime, Disney+ Hotstar, and Gaana Plus, which add significant value for entertainment seekers. Moreover, the card offers quarterly discounts on popular shopping platforms like Nykaa, Flipkart, and Myntra, alongside savings on dining and grocery platforms such as BookMyShow and BigBasket, making it a reasonable choice for everyday spends.
Pros
- Low forex markup fee of 2%
- Unlimited complimentary domestic lounge visits every year
- Complimentary memberships to 4 popular platforms
- Discount on top brands like Nykaa, Flipkart, Myntra, etc.
- Exclusive health & wellness benefits for women
Cons
- Does not offer international lounge access
- Cashback redemption value is low at 1 RP = Rs. 0.25
- Maximum capping on accelerated (5X) reward points
- No reward points on fuel transactions
Conclusion
While BOB Tiara Credit Card offers excellent benefits across multiple categories, such as travel, lifestyle, shopping, dining, health & wellness, and more. It also comes with certain limitations, such as the exclusion of fuel spends from the rewards program and maximum capping on accelerated reward points. Additionally, at an annual fee of Rs. 2,499, the card also lacks international lounge access—a feature that many consumers might expect at this price point. Despite these, the card stands out as a strong contender in the mid-premium credit card segment, offering decent value back across multiple spending categories.
Footnotes
- 5X reward points are capped at 5,000 reward points in a month.
- No reward points are offered on fuel spends.
Click here to know More Terms and Conditions
Shruti Sharma
Shruti Sharma is a skilled content writer with a passion for simplifying personal finance for consumers. Specializing in credit cards and financial planning, she offers valuable insights that empower individuals to make informed financial choices. Through her writing, she shares practical tips and guides readers through the nuances of credit card usage.
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