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BOB Tiara Credit Card – Best for Travel and Lifestyle Benefits

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Updated: 06-01-2025 13:25:52 PM

Bank of Baroda Tiara Credit Card is an all-rounder credit card catering to multiple categories, such as travel, lifestyle, dining, and more. With a reward rate of up to 3.75% on everyday spends, including dining and travel, this card offers excellent value. It also offers travel benefits like unlimited domestic lounge access and a low forex markup fee of 2%, making it a good choice for frequent travellers.

Additionally, the card offers exclusive health and wellness benefits exclusively for women. Cardholders can avail complimentary memberships of popular platforms, like Amazon Prime, Disney+ Hotstar, Gaana Plus, Swiggy One, and Fitpass Pro. Moreover, it also offers discounts on leading brands such as Nykaa, Flipkart, Myntra, and BookMyShow, making it a decent choice for everyday expenses. Read on to learn more about the features and benefits of Bank of Baroda Tiara Credit Card.

BOB Tiara Credit Card Overall Rating: ★★★
BOB Tiara Credit Card
Rewards Program
 ★★★
Travel Benefits ★★★
Shopping Benefits ★★★★

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.

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.

Travel & Lifestyle Benefits
Other Features & Benefits
Should you get this card?
BOB Tiara Credit Card: Fees & Charges
Travel & Lifestyle Benefits

Travel Benefits:

  • Low forex markup fee of 2%
  • Unlimited complimentary domestic lounge access for primary cardholder, on reaching Rs. 40,000 spends in the previous 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

Quarterly Benefits:

  • Rs. 500 discount every quarter each on Nykaa, Flipkart and Myntra
  • Rs. 250 discount every quarter each on BookMyShow (Min. purchase of 2 tickets) and BigBasket
  • Rs. 1,500 discount voucher every quarter for Lakme Salon

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.

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.

Note: W.e.f. Jan 2025, a 1% processing fee is going to be applicable on wallet loading transactions, utility transactions above Rs. 50,000, and fuel transactions above Rs. 10,000.

Should you get this card?

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.

Pros Cons
  • 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
  • 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
BOB Tiara Credit Card: Fees & Charges
Type of Fee/ Charge
 Amount
Joining Fee Rs. 2,499
Renewal fee Rs. 2,499
Finance Charges 3.6% p.m. (43.2% p.a.)
Late payment charges For Statement Balance:

  • Less than Rs. 100: Nil
  • Rs. 101 to Rs. 500: Rs. 100
  • Rs. 501 to Rs. 1,000: Rs. 400
  • Rs. 1,001 to Rs. 10,000: Rs. 750
  • Rs. 10,001 to Rs. 25,000: Rs. 950
  • Rs. 25,001 to Rs. 50,000: Rs. 1,100
  • More than Rs. 50,000: Rs. 1,300
  1. 5X reward points are capped at 5,000 reward points in a month.
  2. No reward points are offered on fuel spends and wallet loads.
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