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BOBCARD Tiara Credit Card

BOBCARD Tiara Credit Card

The BOBCARD Tiara Credit Card is a women-centric credit card from BOBCARD, offering a mix of lifestyle, travel, health, and reward-point benefits tailored for female cardholders. The card combines rewards on everyday spend with exclusive perks like airport lounge access, health & wellness packages, and entertainment or shopping vouchers — making it more than just a payment tool, but a lifestyle companion.

BOBCARD Tiara Credit Card

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BOBCARD Tiara Credit Card skara-financial
Joining Fees
₹ 2,499 + GST
Annual Fees
₹ 2,499 + GST
Card Type
Rewards
Network Type
Rupay
  • High Reward Rate: 15 Reward Points per ₹100 on Dining, Travel & International spends.
  • Regular Rewards: 3 Reward Points per ₹100 on other purchases.
  • Lounge Access: Unlimited domestic airport lounge access (with quarterly spend requirement).
  • Low Forex Mark-up: Only 2% mark-up on international transactions.
  • Quarterly Shopping Vouchers: Myntra, Nykaa, Flipkart & Lakmé Salon vouchers.
  • Grocery Benefit: ₹250 BigBasket voucher every quarter.
  • Entertainment Benefits: ₹250 BookMyShow discount every quarter.
  • OTT/Music Perks: Annual membership for Prime/Hotstar/Gaana (as applicable).
  • Food Delivery Perk: Free 3-month Swiggy One membership.
  • Wellness Package: Complimentary women's health check-up + 6-month Fitpass Pro.
  • Smart EMI: Convert purchases above ₹2,500 into EMIs.
  • Add-on Cards: Up to 3 lifetime free add-on cards.
  • Security Benefit
  • Joining Fee: ₹2,499 + GST (waived on ₹25,000 spending in 60 days).
  • Annual Fee: ₹2,499 + GST (waived on ₹2,50,000 annual spends).
  • Fuel Surcharge Waiver: 1% waiver on ₹400–₹5,000 fuel spends (max ₹250 per statement).
  • No Rewards on Fuel: Reward points not earned on fuel transactions.
  • Women-focused Card: Designed exclusively for female applicants.
  • UPI Support: Works with BHIM, Google Pay, PhonePe, Paytm.
  • Reward Redemption: 1 Reward Point = ₹0.25 cashback.
  • UPI Rewards Cap: Max ₹500 cashback per statement cycle.
  • Lounge Access: Unlimited domestic lounge access with spend criteria.
  • Smart EMI: Convert transactions above ₹2,500 into EMIs.
  • High Rewards: Excellent points on travel, dining & international spends.
  • Lifestyle Benefits: Multiple vouchers, OTT perks, wellness package.
  • Lounge Access: Unlimited domestic lounge visits.
  • Cost Savings: Fuel waiver + low forex markup.
  • Flexible Usage: UPI support and EMI options.
  • High Fees: Joining/annual fees unless spend criteria achieved.
  • Low Base Rewards: Only 3 RPs on regular spends.
  • No Fuel Rewards: Reward points not given for fuel transactions.
  • Spend Dependency: Lounge access depends on quarterly spending.
  • Benefit Limitations: Many perks only apply to the primary cardholder.

ELIGIBILITY CRITERIA

  • Indian resident
  • Women applicants only
  • Salaried: Age 21–60 years
  • Self-employed: Age 21–65 years
  • Minimum annual income: ₹7.2 lakh
  • PAN, photo, and valid address proof required

WELCOME BENEFITS

  • Joining fee reversal on spending ₹25,000 within 60 days
    (No additional welcome gifts listed on the official page.)

CARD REVIEW

The BOBCARD Tiara Credit Card is designed for women who want a feature-rich card that blends lifestyle, shopping, wellness, and travel advantages. With strong rewards on travel, dining, and international transactions, along with multiple quarterly and annual lifestyle benefits, it offers high value for frequent spenders. The domestic lounge access and low forex markup add further appeal for occasional travelers.
However, the value depends on meeting the spend-based fee waivers, and routine spends earn relatively fewer rewards. Benefits are primarily focused on the primary cardholder, with limited add-on card privileges. Overall, it is best suited for women with moderate to high annual spending who can fully utilize its perks.

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