BOBCARD Tiara Credit Card
Fees
₹2,499* Plus Applicable Taxes
Joining & AnnualReward Rate
15 reward points for every ₹100 spent on dining, travel, and international transactions; 3 reward points for every ₹100 spent on other standard retail categories
Welcome Bonus
Complimentary annual memberships to Amazon Prime or Jio Hotstar, and Gaana Plus, plus a 3-month Swiggy One membership
Lounge Access
Unlimited Domestic (₹40K Qtr Spend)
FindMyCard Expert Take
BOBCARD Tiara punches above its ₹2,499 fee for dining and travel spenders, with 15 points per ₹100 in those categories and unlimited domestic lounge access that many similarly-priced cards don't offer. The bundled OTT and Swiggy One subscriptions add real value if you'd be paying for them anyway.
Pros & Cons
Key Advantages
- Unlimited complimentary domestic airport lounge access
- 15 reward points per ₹100 on dining, travel and international spends
- 2% forex markup on overseas transactions, better than most cards at this fee
- Free annual subscription to Amazon Prime or Jio Hotstar plus 3 months of Swiggy One
- Preventive health checkup package for women cardholders
Limitations
- Low cash conversion reward redemption parity threshold set at 4 points = ₹1
- Strict monthly capping limits enforced on accelerated 5X reward accumulations
- Complete exclusion of automotive fuel purchases from generating any baseline reward points
- Total absence of international lounge terminal access benefits
Editorial Verdict
The BOBCARD Tiara Credit Card is ideally suited for mid-range all-round spends covering lifestyle, dining, and domestic travel. If you want 15 reward points for every ₹100 spent on dining, travel, and international transactions; 3 reward points for every ₹100 spent on other standard retail categories, this card delivers real value. The ₹2,499* plus applicable taxes is easily offset by the card's perks if you use it regularly. You'll generally need Good (750+) credit to be approved.
Key Perks & Spending Milestones
15 reward points for every ₹100 spent on dining, travel, and international retail lines (5X accelerated accumulation category)
3 reward points for every ₹100 spent across all other standard general retail spend parameters
Standard redemption value benchmark where 1 Reward Point = ₹0.25 when settled as cashback credit
Accelerated 5X reward point limits strictly governed under a maximum cap of 5,000 reward points per month
Unlimited complimentary domestic airport lounge terminal access lines for the primary cardholder (conditioned on spending ₹40,000 in the previous rolling quarter)
₹500 instant booking discount coupon allocations given out for Nykaa, Flipkart, and Myntra platforms every quarter
₹250 discount feature on BookMyShow (minimum transaction limit of 2 tickets required) and BigBasket storefronts every quarter
₹1,500 lifestyle promotional discount voucher applied every quarter at participating Lakmé Salons
Complimentary premium women's preventative healthcare service bundle access unlocking Pap Smears, blood testing panels, and Mammographies
1% fuel surcharge waiver shield operating on standard automotive fuel purchases bounded between ₹400 and ₹5,000 (capped up to ₹250 saved per month)
🚀 Milestone Spends Timeline
Full reversal of the ₹2,499 initial joining fee benchmark upon checking off ₹25,000 retail spend inside the first 60 days of card issuance
Complete annual maintenance renewal fee waiver for the subsequent year upon reaching a cumulative ₹2,50,000 retail spending target
Fees & Charging Rates
Annual Fee Waivers
₹2,499* Plus Applicable Taxes
💡 Joining fee reversed on spending ₹25,000 within the first 60 days; Annual fee waived on spending ₹2.5 Lakh in a year
Regular Interest Charges
3.6% per month (43.2% per annum)
📅 Late Payment Fee Penalty Tiers
Insurance & Protection Benefits
Eligibility Criteria
age
21 to 65 years
employment profiles
Salaried and Self-Employed Profiles (minimum income ₹7.2 Lakh per annum)
Compare BOBCARD Tiara Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| BOBCARD Tiara Credit Card This Card | ₹2,499* Plus Applicable Taxes | 15 reward points for every ₹100 spent on dining, travel, and... | Unlimited Domestic (₹40K Qtr Spend) | 3.5/5 |
| HDFC Infinia Credit Card Metal Edition | ₹12,500 + Taxes | 5 reward points per ₹150; up to 10X on SmartBuy flight/hotel bookings | Unlimited Domestic + International | 4.9/5 |
| Axis Bank ATLAS Credit Card | ₹5,000 + Taxes | 5 EDGE Miles per ₹100 on travel; 2 EDGE Miles per ₹100 on general spends | 8 Domestic + 4 International/yr | 4.8/5 |
| Axis Bank Burgundy Private Credit Card | ₹50,000 + Taxes | 15 EDGE Reward points per ₹200 spent on retail and international... | Unlimited Domestic + International | 4.8/5 |