Your Woman Card, Your Power Move – Achieve milestones, seek new adventures, live life on your terms with TIARA on your side.
Fees & Charges
BOBCARD TIARA · Detailed fees & charges
ParticularsDetails
Joining / 1st Year Fee₹ 2,499
Annual / Renewal Fee₹ 2,499
Fee Waiver ConditionWaived on ₹25,000 spend in the first 60 days (joining fee) and ₹2,50,000 annual spend (annual fee).
Foreign Transaction Fee2% of transaction amount
Rewards & Cashback
BOBCARD TIARA · Detailed rewards & cashback
ParticularsDetails
Reward TypeReward Points
Primary Reward Rate15 Reward Points per ₹100 spent on Dining, Travel, and International spends
Secondary Reward Rate3 Reward Points per ₹100 spent on other purchases
Max Cashback / Rewards (Monthly)5,000 Reward Points on accelerated categories (capped per cycle), and ₹500 equivalent Reward Points on UPI spends (capped per cycle). (1 RP = ₹0.25)
Milestone BenefitsJoining fee waiver on ₹25,000 spend in 60 days; Annual fee waiver on ₹2,50,000 annual spend.
Reward ExclusionsFuel transactions and select MCCs. Reward points on UPI transactions are capped.
Features & Benefits
BOBCARD TIARA · Detailed features & benefits
ParticularsDetails
Airport Lounge Access✓ Available
Lounge Access DetailsUnlimited complimentary domestic airport lounge access, subject to minimum spends of ₹40,000 in the preceding calendar quarter (effective Jan 1, 2025).
Fuel Surcharge Waiver✓ Available
Fuel Surcharge Details1% waiver on transactions between ₹400 and ₹5,000 (Max. ₹250 per statement cycle).
Insurance CoverageComplimentary Women's Health Package (Pap Smear, Blood Tests, Mammography).
EMI Conversion Available✓ Available
Contactless Payment✓ Available
Add-on Card Available✓ Available
Eligibility
BOBCARD TIARA · Detailed eligibility
ParticularsDetails
Minimum Age25
Maximum Age55
Card VariantPlatinum
Best ForWomen, Travel, Dining, Online Shopping, Health & Wellness
Pros & Cons
Advantages
High reward points: 15 RP per ₹100 on Dining, Travel, and International spends.
Complimentary Women's Health Package and FITPASS Pro membership.
Quarterly discounts on Myntra, Nykaa, Flipkart, Lakmé Salon, and Big Basket.
Complimentary annual memberships for Amazon Prime/Jio Hotstar, Gaana Plus, and Swiggy One subscription.
Fuel surcharge waiver on transactions between ₹400 and ₹5,000.
Disadvantages
Lounge access subject to ₹40,000 spend in the preceding quarter (effective Jan 2025).
Accelerated rewards capped at 5,000 Reward Points per statement cycle.
Reward points on UPI transactions capped at ₹500 equivalent per statement cycle.
Annual fee of ₹2,499 (though waiver is available).
CardwiseHQ Expert Verdict
Our editorial team's comprehensive assessment
4.5/5
Excellent
Overall Editor Rating
Best For: Women, Travel, Dining, Online Shopping, Health & Wellness
BOBCARD TIARA by Bank of Baroda is rated 4.5/5 by our editorial team. Your Woman Card, Your Power Move – Achieve milestones, seek new adventures, live life on your terms with TIARA on your side..
About BOBCARD TIARA
The BOBCARD TIARA is an exclusive credit card designed specifically for women, offering a blend of financial rewards and extensive lifestyle perks. It caters to modern women with comprehensive benefits across dining, travel, health, and shopping. The card provides accelerated reward points on select categories like dining, travel, and international spends, and features such as unlimited domestic lounge access (with a spend condition) and a reduced foreign transaction mark-up.
Beyond transactional benefits, the TIARA card offers significant value through lifestyle-oriented partnerships. Cardholders can enjoy quarterly discounts on popular shopping platforms like Myntra, Nykaa, and Flipkart, along with Lakmé Salon benefits. It also includes complimentary annual memberships to OTT platforms and a Swiggy One subscription, enhancing daily life and entertainment. The card has a joining and annual fee of ₹2,499, which can be waived based on specific spending milestones, making it a well-rounded offering for its target demographic.
Bank of Baroda