Bank of Baroda Tiara Credit Card
Aimed exclusively at women, the BOB Tiara's standout feature is a complimentary health package covering a Pap smear, blood work and a mammography — though the accompanying ₹10 lakh accidental death cover was pulled for cards issued on or after 15 July 2026 and stops for existing holders on 25 August 2026. Reward-wise, dining, travel and international purchases earn 15 points per ₹100 spent (roughly 3.75%, capped at 5,000 points a cycle under the 5X multiplier), while everything else earns 3 points per ₹100; a 2% markup applies on foreign transactions. Cardholders get unlimited domestic lounge visits (unlocked once prior-quarter spend crosses ₹75,000; no international lounges), a choice between Amazon Prime or JioHotstar plus Gaana Plus and three months of Swiggy One, and a quarterly voucher bundle — ₹500 apiece for Myntra, Nykaa and Flipkart, ₹1,500 for Lakmé Salon and ₹250 for Big Basket, all restricted to the primary cardholder. Spending ₹2.5 lakh in a year clears the ₹2,499 fee, and ₹25,000 within 60 days reverses the joining charge.
Key features
The essentials worth knowing before applying.
3.75% on Dining
15 reward points per ₹100 — sharing a combined 5,000-point cap per cycle with travel and international spends
3.75% on International spends
Same accelerated rate, under the same shared cap
Full reward structure
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Dining | reward points | 3.75% | ₹1,250 |
| International | reward points | 3.75% | ₹1,250 |
| Travel | reward points | 3.75% | ₹1,250 |
| Other | reward points | 0.75% | — |
Fees & charges
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹2,949 |
| Joining fee (incl. 18% GST) | ₹2,949 |
| Finance charge (APR) | 3.75% p.m. |
| Forex markup | 2% |
| Fuel surcharge waiver | 1%, cap ₹250 |
Perks & benefits
Non-reward value adds up to roughly ₹16,500 a year.
Co-branded OTT ~₹2,000/yr
Complimentary Amazon Prime or JioHotstar plus Gaana Plus membership.
️ Lounge access ~₹12,000/yr
Unlimited domestic airport lounge access on ₹75,000 of spend in the previous quarter — raised from ₹40,000 on 15 July 2026. No international lounge access.
Should you get it?
Best for: Bank of Baroda premium relationship customers, mid-level managers or business owners already banking with BOB, and anyone stepping up from the BOB Eterna or Premier cards while spending ₹50,000+ a month.
A premium-tier card, well suited to steady monthly spenders within the BOB ecosystem.
Frequent travellers benefit from the included lounge access.
✓ Pros
- Strong reward earn on dining, travel and lifestyle spending
- Domestic lounge access within the Bank of Baroda ecosystem
- An attractive fee structure for existing BOB relationship customers
- ₹2,499 joining fee reverses on ₹25,000 of spend in the first 60 days
✕ Cons
- BOB's rewards ecosystem is less developed than HDFC, ICICI or Axis
- The ₹2,499 fee is competitive, but the redemption catalogue trails the larger banks
- Fewer co-brand partnerships compared to private-sector card issuers
- Card acceptance can lag in rural areas
Eligibility & documents
Age
25 –55 years
Min. income
₹40,000 /mo
Employment
Salaried · Self-employed
Documents required
- PAN card
- Aadhaar / address proof
- Income proof (salary slips or ITR)
How to redeem rewards
Ways to turn points into value.
🎁 Redeem reward points directly as cashback at roughly ₹0.25 each
🎁 Gift vouchers and products through the BOBCARD rewards catalogue
What your BOB Reward Points are worth
Realistic per-point value across redemption routes. Statement credit (standard redemption): ₹0.25/pt Gift voucher catalogue (brand & e-gift vouchers): ₹0.25/pt The catch: at a comparable fee, private-sector banks generally offer a materially stronger overall perk stack.
The bottom line
Tiara stands out with a genuinely differentiated proposition — the women's health benefits aren't a token gesture, and roughly 3.75% back on dining, travel and international spend combined with unlimited domestic lounge access makes it a capable premium card in its own right. That said, BOBCARD has been trimming benefits over time: the ₹10 lakh accidental cover was withdrawn in July 2026, and the lounge-access threshold has also been raised, so it's worth checking the current terms before applying.
Frequently asked questions
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