BOBCARD Tiara
Verified by Grofi • 2026
Best for Women Professionals
Mastercard World NetworkIssued by BOB Bank

BOBCARD Tiara

A premium lifestyle card crafted specifically for women executives and entrepreneurs. Operating on Mastercard World, it matches the flagship Eterna with unlimited domestic airport lounge access and a subsidized 2.00% forex fee, while bundling curated entertainment and wellness memberships including Amazon Prime and Swiggy One.

4.8 / 5.0Grofi Rating
2,800+ Checked This Month
Zero Hard Inquiry
Annual Fee₹2,499 + GSTWaiver available
Joining Fee₹2,499 + GSTOne-time fee
Reward Value15 Reward Points per ₹100 on dining, salon, wellness, and travelBOBCARD Reward Points
Lounge AccessUnlimited complimentary domestic airport lounge visitsAirport Privileges
100% Paperless Digital ApplicationNo Hidden Processing FeesQuick V-KYC within 5 Minutes
GROFI EDITORIAL VERDICT

Why We Recommend The BOBCARD Tiara

A feature-packed premium lifestyle card matching the perks of the flagship Eterna while adding curated OTT and wellness memberships.

Best Suited For

Female executives and entrepreneurs seeking lifestyle subscriptions, wellness perks, and airport lounges.

Welcome Gift & Activation Benefits

Bonus Value
Complimentary annual subscriptions to Amazon Prime, Swiggy One, and Disney+ Hotstar.
Comprehensive wellness health package vouchers.

* Welcome benefits are typically unlocked upon payment of the joining fee and initial card activation within 30 to 90 days.

Benchmark Score

Grofi Expert Rating

9.4/ 10
Reward & Return Value9.6 / 10
Airport Lounge & Travel9.4 / 10
Fee-to-Value Ratio9.1 / 10
Ecosystem & Merchant Offers9.3 / 10
Independent Methodology

Our ratings assess real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and user transparency.

ESTIMATED VALUE CALCULATOR

How Much Can You Save with the BOBCARD Tiara?

Adjust your expected monthly card spends to calculate your real annual rewards and net savings.

₹50,000
₹10,000 / mo₹1,00,000 / mo₹2,50,000+ / mo
40% of spends

Includes flight & hotel bookings, partner brands (Amazon, Swiggy, Flipkart), dining, and online shopping.

Official Reward Rate SpecsBOBCARD Reward Points
Base Spends3 Reward Points per ₹100 spent on regular retail (0.75% return)
Accelerated Spends15 Reward Points per ₹100 on dining, apparel, salons, spa wellness, and international travel

* Reward Point Value: ₹0.25 on statement credit or travel bookings.

Projected Annual Net Yield
Net Annual Savings & Value
₹12,810

Based on annual spending of ₹6,00,000.

Gross Reward Value+₹12,810
Annual Renewal FeeWaived (₹0)
Estimated Reward Points~25,620 BOBCARD Reward Points
Fee Waiver Achieved! Your spends surpass the annual waiver threshold, making your annual renewal ₹0.
TRANSPARENT PRICING

Fees & Charges Breakdown for BOBCARD Tiara

Zero hidden costs. Complete fee schedule verified with BOB Bank official guidelines.

Joining Fee
₹2,499 + GST

One-time fee charged on the first statement

Annual / Renewal Fee
₹2,499 + GST

Billed annually starting from the 2nd year

Spend-Based Fee Waiver
Waived on annual spends of ₹2,50,000 or more

Annual fee reversed upon crossing this spend milestone in the preceding card year

Forex Markup Fee
2.00% + GST

Charges applicable on foreign currency transactions and cross-border payments

Finance Charges (APR)
3.60% p.m. (43.2% p.a.)

Standard interest rate on revolving card balances

Cash Advance Fee
2.5% (Min. ₹500)

Fee on ATM cash withdrawals via credit card

Interest-Free Period
Up to 50 Days

From the first day of billing cycle till due date

How to Avoid the Annual Fee:Waived on annual spends of ₹2,50,000 or more
Statutory Goods & Services Tax (GST):Government Goods and Services Tax (GST) of 18% is applicable over and above all credit card fee components and finance charges.
TRAVEL & LUXURY PRIVILEGES

Airport Lounge Privileges on the BOBCARD Tiara

Experience gourmet dining, quiet workspaces, and premium comforts before every flight.

India Terminals
Domestic Airport Lounge Access

Unlimited complimentary domestic airport lounge visits

Valid across 40+ domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.

Complimentary buffet, beverages, high-speed Wi-Fi, and plush seating
Swipe ₹2 (Visa/Mastercard) or ₹25 (RuPay) authorization fee at entry
Operated via Mastercard World Lounge Program & DreamFolks Network
Worldwide Terminals
International Lounge Access

Complimentary Priority Pass membership (standard usage fees apply)

Access over 1,300+ luxury airport lounges globally across Dubai, London Heathrow, Singapore Changi, New York JFK, Frankfurt, and Doha.

Priority Pass / LoungeKey / DreamFolks Global membership supported
Guest privileges available as per card tier specifications
Worldwide access network via Priority Pass or DragonPass
Important Spend Condition for Lounge Access:Requires ₹40,000 quarterly spend to activate lounge benefits
KEY CARD HIGHLIGHTS

What Makes BOBCARD Tiara Stand Out?

Discover the top benefits, special offers, and protections engineered into this card.

Feature #1

Curated subscription bundle including Amazon Prime and Swiggy One.

Feature #2

Unlimited domestic airport lounge access.

Feature #3

Low 2.00% international forex markup rate.

BALANCED EDITORIAL ASSESSMENT

Pros & Cons of the BOBCARD Tiara

An honest, transparent evaluation of strengths and limitations before you submit your application.

What We Love (Pros)

3 Advantages
  • Rich welcome package with top-tier OTT and food delivery subscriptions.
  • Unlimited domestic lounge access equivalent to the flagship Eterna.
  • Lower forex markup compared to standard retail cards.

Things to Consider (Cons)

3 Limitations
  • Tailored exclusively to female primary applicants.
  • Annual fee is relatively steep at ₹2,499 + GST.
  • Quarterly spending condition required to unlock airport lounge privileges.
Independent Editorial Policy: Grofi never charges consumers for recommendations. All reviews are unbiased.
ELIGIBILITY CRITERIA

Who Can Apply for the BOBCARD Tiara?

Review minimum income, credit score thresholds, and essential verification documents.

Minimum Income
₹60,000/month (Women applicants only)

Net in-hand monthly or annual earnings

Age Requirement
21 – 65 Years

Primary applicant (18+ for add-ons)

Employment Profile
Salaried or Self-Employed Women

With continuous employment proof

Residential Status
Resident Indian

With valid Indian address proof

Recommended Credit Score (CIBIL / Experian)

730+ Score Recommended

High Approval
300 (Poor)650 (Fair)750 (Good)900 (Excellent)

Applicants with a credit score of 730 or higher enjoy fast-tracked approval and preferential credit limits from BOB Bank.

Documents Required

100% digital paperless verification via Video KYC. Keep these documents ready:

Identity & Address Proof

Aadhaar Card (linked with mobile number for OTP), Passport, Driving License, or Voter ID.

PAN Card

Mandatory physical or e-PAN copy required by RBI guidelines for all credit applications.

Proof of Income

Salaried: Last 3 months' salary slips or bank statements. Self-employed: Latest ITR computation.

Zero CIBIL Impact Soft Check
FREQUENTLY ASKED QUESTIONS

Everything You Need to Know About BOBCARD Tiara

Clear answers to common questions regarding annual fees, reward redemption, lounge rules, and delivery.

ALTERNATIVE CARDS

Explore Similar Cards from BOB Bank

Compare rewards, annual fees, and airport lounge perks across alternative options.

BOB BankVisa Platinum
BOBCARD Cashback
Best Budget Cashback

BOBCARD Cashback

Designed as an economical cashback solution, the BOBCARD Cashback Credit Card provides a 5% direct statement return on online transactions across almost all e-commerce merchants. At a low annual fee of ₹499, it automatically credits savings against monthly card dues without points redemption catalogs or conversion delays.

Annual Fee₹499 + GST
Reward Rate5% direct cashback on online transactions
BOB BankVisa
BOBCARD CMA One
Exclusive for Cost Accountants

BOBCARD CMA One

Completing BOBCARD’s institutional accounting suite, the CMA One card is dedicated to members of the Institute of Cost Accountants of India (ICMAI). Issued Lifetime Free, it pairs domestic airport lounge access with quarterly milestone bonuses up to 4,000 points and a reduced 2.00% forex markup.

Annual FeeNil (Lifetime Free for ICMAI Members)
Reward Rate5 Reward Points per ₹100 on dining, travel, and online payments
BOB BankVisa
BOBCARD Corporate
Corporate Expense Manager

BOBCARD Corporate

An institutional corporate card created for mid-to-large corporate organizations to govern employee travel, lodging, and client entertainment expenses. It features centralized billing ledgers, individual executive credit controls, and domestic airport lounge visits for traveling staff.

Annual FeeVaries based on corporate agreement
Reward RateConsolidated corporate reward points on air travel and hotel bookings
Instant Digital Verification

Ready to Apply for the BOBCARD Tiara?

Check your pre-approved credit limit and instant approval eligibility across BOB Bank with 100% paperless verification and zero score impact.

100% Free ServiceNo CIBIL Score Impact256-Bit Bank Grade Encryption