CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
Bank of Baroda (BOBCARD)

BOBCARD Tiara Credit Card

23
Ranked #154 of 171 in credit
creditVisa/RuPayPremium (Women-focused)

BOBCARD's premium women-focused lifestyle card bundling strong entertainment/shopping memberships and a women's health package with unlimited domestic lounge access — but facing the same 2026 devaluation wave (lounge threshold tripling, insurance removed) affecting BOBCARD's broader premium lineup.

Score breakdown

Data completeness: 70% · Last verified: 08 Jul 2026

Reward value5/100 · weight 71%
≈ 0.23% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +0.6% score bonus — earns broadly without narrow category restrictions.
Fee efficiency79/100 · weight 12%
Redemption flexibility75/100 · weight 9%
Perks47/100 · weight 9%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
₹2,499 + 18% GST
= ₹2,949 total
Annual fee
₹2,499 + 18% GST
= ₹2,949 / year total
Waiver: Joining fee waived on Rs25,000 spend within 60 days; annual fee waived on Rs2,50,000 annual spend; LIMITED-PERIOD full first-year fee waiver + Rs1,000 Amazon voucher promotional offer (verify current expiry, was through 31 Mar 2026)
Forex markup
2%

Lounge access

Domestic (per year)
Unlimited
International (per year)
0

Reward structure

CategoryTypeRateCapNotes
online_travel_bookingpoints0.94%(3.75 pts @ ₹0.25)—15 pts/Rs100 on travel/dining/international
all_spendspoints0.19%(0.75 pts @ ₹0.25)—3 pts/Rs100 other categories

Welcome offer

Complimentary Amazon Prime OR Jio Hotstar+Gaana Plus annual membership; 3-month Swiggy One membership

Milestone benefits

Pros

  • India's few dedicated women-focused premium cards
  • unusually strong bundled lifestyle value (Amazon Prime/JioHotstar, Swiggy One, quarterly Rs500x3 vouchers, complimentary health check-up) — CardExpert estimates Rs31,000+ combined lifestyle value
  • unlimited domestic lounge access (currently, before Oct 2026 threshold hike)
  • low 2% forex markup

Cons

  • DEVALUATIONS effective Jul-Oct 2026: lounge threshold rising from Rs40,000 to Rs75,000/quarter (Oct 2026)
  • accidental death cover discontinued
  • interest rate rising 3.25%→3.75%/month (Jul 2026)
  • low 4:1 reward redemption ratio limits real value
  • no international lounge access
  • fuel earns zero rewards

What's inside

More benefits

  • Complimentary women's health check-up

    ₹2,000

    Health check-up package as part of card lifestyle benefits

    Cap ₹2,000 / yearly. Verify at MITC

  • Quarterly shopping vouchers

    ₹1,750

    Rs500 discount each on Myntra, Nykaa, Flipkart quarterly; Rs250 BookMyShow voucher; Lakme Salon discounts

    Cap ₹7,000 / quarterly. Minimum spend thresholds per brand apply

  • OTT & dining memberships

    ₹1,500

    Amazon Prime or Jio Hotstar+Gaana Plus annual membership, 3-month Swiggy One

    Cap ₹1,500 / yearly. Card issuance welcome benefit

Insurance cover

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Eligibility

text
Women applicants only; age 21-60 (salaried)/21-65 (self-employed); min income Rs7.2L p.a.

Small print

Fuel surcharge:1% waiver, standard range; fuel excluded from rewards