Earn accelerated rewards on dining, travel, and international spends, with lifestyle memberships and unlimited domestic lounge access.
15 points per ₹100 spent
Complimentary premium entertainment memberships
Fee reversed on ₹25,000 spend
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| Benefit | Details |
|---|---|
| Accelerated Rewards | Earn 15 reward points per ₹100 spent on dining, travel, and international transactions. |
| Standard Rewards | Earn 3 reward points per ₹100 on all other eligible spends. |
| Redemption Value | Reward points can be redeemed for cashback at a value of 1 reward point = ₹0.25. |
| Welcome Memberships | Complimentary annual memberships to Amazon Prime/Disney Hotstar and Gaana Plus, a 3-month Swiggy One membership, and a 6-month Fitpass Pro membership worth ₹15,000. |
| Quarterly Brand Vouchers | Quarterly discount vouchers of ₹500 each at Myntra, Nykaa, and Flipkart; ₹1,500 at Lakmé Salon; ₹250 at BigBasket; and ₹250 off on a minimum purchase of 2 movie or non-movie tickets via BookMyShow, once per quarter. |
| Domestic Lounge Access | Unlimited complimentary visits to partner domestic airport lounges every year. |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at fuel stations across India, with a maximum benefit of ₹250 per statement cycle. |
| Low Forex Mark-up | Reduced the foreign exchange mark-up fee of 2% on international transactions. |
| Women's Health Package | Complimentary women's health benefits including Pap Smear and Blood Tests and a Mammography package. |
| Joining Fee Reversal | Joining fee reversed on spending ₹25,000 within the first 60 days of card issuance. |
| Annual Fee Waiver | Annual fee waived on spending ₹2,50,000 in a card anniversary year. |
| UPI Compatibility | Card can be linked to UPI apps such as Google Pay for everyday UPI payments. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | BOBCARD Limited (BOB Financial Solutions Limited) |
| Bank / Non-bank | Bank-affiliated |
| Category | Lifestyle / Travel / Women-focused |
| Type of Card | RuPay |
| Free or Paid | ₹2,499 Annually + GST |
The Bank of Baroda Tiara Credit Card is a mid-range lifestyle card designed primarily for women who spend across multiple categories such as dining, travel, shopping, and wellness. With accelerated reward points on dining, travel, and international transactions, a reduced forex mark-up fee, and unlimited domestic airport lounge access on meeting quarterly spend thresholds, it addresses the needs of women who travel within India regularly and shop across platforms like Myntra, Nykaa, and Flipkart. The complimentary memberships to popular entertainment and fitness platforms, along with a unique women's health package, add a layer of everyday value that is not typically found at this fee bracket. The card can also be a reasonable choice for anyone looking to upgrade from an entry-level card and wanting diverse benefits without committing to a high-fee premium card.
UPI Compatibility: The Bank of Baroda Tiara Credit Card can be added to UPI apps such as Google Pay, enabling cardholders to earn reward points on eligible everyday UPI transactions.
Domestic Lounge Access: Unlimited complimentary visits to partner domestic airport lounges are available to primary cardholders.
Complimentary Memberships: New cardholders receive annual memberships to Amazon Prime/Disney Hotstar and Gaana Plus, a 3-month Swiggy One membership, and a 6-month Fitpass Pro membership as part of the welcome benefits.
Quarterly Brand Vouchers: Every quarter, cardholders receive discount vouchers of ₹500 each at Myntra, Nykaa, and Flipkart; ₹1,500 at Lakmé Salon; ₹250 on BigBasket; and ₹250 off a BookMyShow purchase of at least 2 tickets.
Women's Health Benefits: A complimentary women's health package is available to primary cardholders, covering Pap Smear and Blood Tests and a Mammography package.
Low Forex Mark-up: International transactions attract a reduced foreign exchange mark-up fee of 2%, which is lower than the standard mark-up charged by most cards in this fee range.
Rewards Redemption: Accumulated reward points can be redeemed for cashback at a value of 1 reward point = ₹0.25.
15 Reward Points: Cardholders earn 15 reward points per ₹100 spent on dining, travel, and international transactions.
3 Reward Points: All other eligible spends earn 3 reward points per ₹100.
UPI Transactions: Reward points can also be earned on eligible UPI transactions made using the card linked to supported UPI apps.
Accumulated reward points can be redeemed for cashback at a rate of 1 reward point = ₹0.25 through the BOBCARD Rewards portal.
Complimentary Memberships: On card issuance, primary cardholders receive annual memberships to Amazon Prime/Disney Hotstar and Gaana Plus, a 3-month Swiggy One membership, and a 6-month Fitpass Pro membership, collectively worth approximately ₹15,000.
Joining Fee Reversal: The joining fee of ₹2,499 + GST is reversed if the cardholder spends ₹25,000 within the first 60 days of card issuance.
Quarterly Vouchers: Every calendar quarter, primary cardholders receive discount vouchers worth ₹500 each at Myntra, Nykaa, and Flipkart; ₹1,500 at Lakmé Salon; ₹250 on a BigBasket purchase; and ₹250 off on a minimum purchase of 2 movie or non-movie tickets via BookMyShow.
Domestic Lounge Access: Unlimited complimentary visits to partner domestic airport lounges.
Low Forex Mark-up: A reduced foreign exchange mark-up fee of 2% applies on all international transactions, making the card a practical option for cardholders who travel abroad or make international purchases online.
Fuel Surcharge Waiver: A 1% waiver on fuel surcharges applies on fuel transactions between ₹400 and ₹5,000 at fuel stations across India, with a maximum monthly saving of ₹250 per statement cycle.
Complimentary Health Package: Primary cardholders can avail a complimentary women's health package that includes Pap Smear and a Mammography package, subject to the bank's applicable terms and conditions.
Disclaimer: The card features, benefits, application process, and other details mentioned above are accurate at the time of writing but may change without prior notice.
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | ₹2,499 + GST | One-time charge on card issuance. Reversed on spending ₹25,000 within 60 days. |
| Annual Fee | ₹2,499 + GST | Charged annually from the second year. Waived on spending ₹2,50,000 in a card anniversary year. |
| Criteria | Details |
|---|---|
Gender | The card is designed primarily for women |
Age (Salaried) | 21 to 60 years |
Age (Self-Employed) | 21 to 65 years |
Residency | Resident of India |
Occupation | Salaried or Self-Employed |
Minimum Annual Income | ₹7.2 Lakh per annum |
Credit Score | A score of 750 or above is recommended for higher approval chances |
| Document Type | Details |
|---|---|
| Identity Proof | PAN Card (mandatory) and Recent Passport size photograph (with a clear/white background & without dark/tinted glass) |
| Address Proof | Aadhaar Card (as issued by UIDAI), Passport, Driving Licence, Voter ID, NREGA-issued Job Card, or Letter issued by the National Population Register |
| Income Proof | Latest salary slips with corresponding bank statements for salaried individuals; bank statements reflecting salary credit for the last 2 months. For self-employed individuals, bank statements reflecting salary credit for the last 3 months. |
Step 1: Click on Apply Now: Hit the "Apply Now" button to start your application.
Step 2: Fill in Your Detail: Enter your personal, contact, and financial details in the application form.
Step 3: Upload Required Documents: Upload your PAN Card, Aadhaar/Address Proof, and Income Proof.
Step 4: Submit Your Application: Review all the details and click Submit.
Step 5: Approval & Card Delivery: Once approved, your Bank of Baroda Tiara Credit Card will be delivered to your registered address.
| Usage Tips | Details |
|---|---|
Maximise Accelerated Rewards | Use the card for all dining, travel bookings, and international purchases to earn 15 reward points per ₹100 and get the best value from the reward programme. |
Claim the Joining Fee Reversal | Spend ₹25,000 within the first 60 days of card issuance to have the joining fee of ₹2,499 reversed. |
Maintain Quarterly Spend for Lounge Access | Spend ₹40,000 in a calendar quarter to unlock unlimited complimentary domestic airport lounge access for the following quarter. |
Redeem Quarterly Vouchers Promptly | Collect and redeem quarterly discount vouchers at Myntra, Nykaa, Flipkart, Lakmé Salon, BigBasket, and BookMyShow within the applicable validity to make full use of the lifestyle benefits. |
Track Annual Spending for Fee Waiver | Plan spending to reach ₹2,50,000 in a card anniversary year to avoid paying the ₹2,499 annual fee. |
Use the Low Forex Mark-up for International Spends | For international transactions or online purchases in foreign currencies, use the card to benefit from the 2% forex mark-up, which is lower than the standard industry rate. |
Use the Fuel Surcharge Waiver | Make fuel transactions between ₹400 and ₹5,000 to avail the 1% surcharge waiver, saving up to ₹250 per statement cycle. |
Pay Bills on Time | Pay the full outstanding balance before the due date to maintain a healthy credit score and avoid interest charges on the remaining balance. |
The Bank of Baroda Tiara Credit Card is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.
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