BOBCARD Tiara
A premium lifestyle credit card crafted exclusively for women professionals and entrepreneurs. Operating on the RuPay network with UPI capability, it offers 15 RPs per ₹100 on dining, travel, and international spends, unlimited domestic airport lounge access, a 2.00% forex fee, and annual wellness, OTT, and shopping benefits worth up to ₹31,652.
Why We Recommend The BOBCARD Tiara
A feature-packed women's lifestyle card matching Eterna's core reward rate while adding RuPay UPI and ₹31,652 worth of annual brand and wellness vouchers.
Female executives and entrepreneurs seeking lifestyle vouchers, preventive health packages, and unlimited domestic lounges.
Welcome Gift & Activation Benefits
* Welcome benefits are typically unlocked upon payment of the joining fee and initial card activation within 30 to 90 days.
Grofi Expert Rating
Ratings are algorithmically weighted using real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and pricing transparency.
Uncover Your True Net Yield with the BOBCARD Tiara
Financially calibrated for BOBCARD Limited (Bank of Baroda) reward policies. Simulate your real spending habits, unlock milestone fee waivers, and forecast pure rupee savings.
* Official Point Value: ₹0.25
Calculated on annual spending of ₹6,00,000.
Instant Bank Approval • Zero CIBIL Impact Check
Complete Fee Schedule for the BOBCARD Tiara
Zero hidden charges. Transparent pricing verified against official BOBCARD Limited (Bank of Baroda) regulatory schedules.
One-time setup fee billed on your first monthly card statement
Billed annually starting from the 2nd year of card membership
Annual renewal fee is reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate applicable on revolving card balances
Fee applicable on ATM cash withdrawals via credit card
Grace window from the first day of billing cycle till due date
Airport Lounge Privileges on the BOBCARD Tiara
Experience complimentary gourmet dining, quiet workspaces, and premium comforts before every flight.
Unlimited complimentary domestic airport lounge visits
Valid across 40+ premier domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.
Not complimentary
Access over 1,300+ luxury airport lounges across major international flight hubs in Dubai, London Heathrow, Singapore Changi, New York JFK, and Doha.
What Makes BOBCARD Tiara Stand Out?
Top card benefits, milestone perks, partner privileges, and consumer protections engineered into this tier.
Curated lifestyle, health, and shopping perks valued up to ₹31,652 annually.
Unlimited domestic airport lounge access on ₹40,000 quarterly spend.
Low 2.00% international forex markup rate plus RuPay UPI integration.
Honest Pros & Cons of the BOBCARD Tiara
An objective evaluation of key strengths and structural limitations before submitting your application.
What We Love (Pros)
- Rich lifestyle package with Myntra, Nykaa, Flipkart, Lakmé Salon, Prime/JioHotstar, and women's health checkups.
- Joining fee is easily waived by spending ₹25,000 within the first 60 days.
- RuPay network enables Credit Card on UPI alongside Eterna-level 3.75% accelerated rewards.
Things to Consider (Cons)
- Available exclusively to female primary applicants (and female add-on cardholders).
- Accelerated 5X rewards are capped at 5,000 RPs per statement cycle.
- Requires ₹40,000 quarterly spend to unlock unlimited domestic airport lounge access.
Who Can Apply for the BOBCARD Tiara?
Review minimum income thresholds, credit score benchmarks, and essential documentation before starting.
Net in-hand monthly or annual earnings
Primary cardholder (18+ for add-on cards)
With continuous regular employment history
With valid Indian residential address proof
730+ Score Recommended
Applicants with a score above 730 qualify for expedited approval, optimal credit limits, and zero security deposit requirements from BOBCARD Limited (Bank of Baroda).
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Verification
Aadhaar Card (linked with mobile number for instantaneous e-KYC), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or verifiable e-PAN copy required by RBI guidelines for all formal credit evaluations.
Proof of Income
Salaried: Last 3 months' salary slips or net banking account aggregator consent. Self-employed: Latest ITR computation.
Everything You Need to Know About BOBCARD Tiara
Clear answers on fee waivers, reward points redemption, lounge rules, and approval timelines.
The annual renewal fee for BOBCARD Tiara is ₹2,499 + GST.
You can have this fee completely waived by meeting the annual spend milestone: Joining fee waived on spending ₹25,000 within 60 days; Annual fee waived on annual spends of ₹2,50,000 or more. Spends across retail, online shopping, travel, dining, and utility payments count towards this milestone.
The BOBCARD Tiara features: 15 Reward Points per ₹100 (3.75% return) on dining, travel, and international spends.
Base reward: 3 Reward Points per ₹100 spent on regular retail (0.75% return).
Accelerated reward: 15 Reward Points per ₹100 on dining, travel, and international spends (capped at 5,000 RPs per statement cycle); CC on UPI rewards capped at ₹500/statement cycle.
Reward points can be redeemed directly via the BOBCARD Limited (Bank of Baroda) netbanking portal or mobile app for statement cash credit, flight tickets, hotel bookings, or brand shopping vouchers.
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BOBCARD Corporate
An institutional corporate card created for companies and partnerships to govern employee travel, lodging, and business expenses. Issued with zero joining fee and a ₹1,000 annual fee (waived on ₹1,00,000 annual spend), it features fourth-line company name embossing, categorized employee spend statements, and 8 domestic airport lounge visits annually.
Ready to Apply for the BOBCARD Tiara?
Check your pre-approved credit limit and instant approval eligibility across BOBCARD Limited (Bank of Baroda) with 100% paperless verification and zero score impact.