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Travel Shopping Dining Airport Lounge

4.5/5 Editorial Score

BOBCARD Tiara Credit Card

Women-Centric Lifestyle Rewards — 15X on Dining & Wellness + 8 Domestic Lounges

Best Suited For

Modern women executives and lifestyle enthusiasts who spend frequently on dining, wellness, salon services, and fashion apparel and desire strong lounge benefits.

Travel Shopping Dining Airport Lounge

Joining Fee

Free

One-time upfront

Annual Fee

₹1,499

Waived on ₹1.5 lakh annual spend

Base Rewards

15 RPs/₹100 Spent on Travel, Dining, and International Spends. 3 RPs/₹100 on All Other Eligible Spends

On eligible spends

Airport Lounge

1 Domestic visits/quarter · ₹40k quarterly spend required

Complimentary visits

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See where this card gets lounge access

Last verified 9 Sept 2026

Why Consider This Card?

Objective editorial assessment, ideal spender profile, and primary trade-offs

Editorial Verdict

4.5/5 Editorial Score

The BOBCARD Tiara Credit Card is a thoughtfully conceived premium lifestyle card tailored specifically around the spending habits and wellness priorities of modern women professionals. Carrying a reasonable annual fee of ₹1,499 (with ₹0 joining fee), the card accelerates points accumulation across high-frequency lifestyle categories: cardholders earn 15 reward points per ₹100 spent on dining, department stores, beauty salons, and wellness portals—yielding an effective 3.75% value return (1 Reward Point = ₹0.25). General retail spending earns a solid 3 points per ₹100 (0.75% return). Beyond transaction rewards, the card delivers a robust holistic wellness package. Cardholders receive complimentary annual health check-up privileges and discounted wellness studio memberships through partner health platforms. Frequent flyers benefit from 8 complimentary domestic airport lounge visits per calendar year (2 per quarter). International travelers will also appreciate the reduced 2.00% foreign exchange markup, which substantially undercuts the standard 3.50% fee levied by most Indian issuers. Achieving ₹1,50,000 in annual spending waives the ₹1,499 renewal fee completely. Key considerations include category capping: the accelerated 15X points bucket is subject to monthly points ceilings to prevent commercial misuse. Non-lifestyle spends like utilities, rent, and government transactions earn baseline points or are excluded. However, for women who prioritize health, beauty, dining, and travel comfort, BOBCARD Tiara provides an elegant blend of tangible reward returns and lifestyle perks.

Ideal For:Modern women executives and lifestyle enthusiasts who spend frequently on dining, wellness, salon services, and fashion apparel and desire strong lounge benefits.

Travel Shopping Dining

Card Strengths

15 Reward Points per ₹100 on dining, beauty, wellness, and department stores (3.75% effective value return)
8 complimentary domestic airport lounge visits per year (2 per calendar quarter)
Competitive 2.00% foreign currency markup makes overseas travel spending much cheaper
Complimentary annual health check-up package included with card membership
Easily achievable ₹1,50,000 annual spend hurdle for full renewal fee waiver

Things to Keep in Mind

Accelerated 15X reward points are subject to monthly points accumulation ceilings
No complimentary international airport lounge access included
Exclusions on rent, fuel, and government payments for points accrual
Quarterly domestic lounge visits capped at 2 visits per quarter

Additional Cardholder Privileges

Rewards

15 RPs/₹100 Spent on Travel, Dining, and International Spends. 3 RPs/₹100 on All Other Eligible Spends

Welcome

Welcome Benefit 1

Free Swiggy One (3 Months), Amazon Prime/Disney Hotstar, Complimentary 12 Month FITPASS PRO Membership and Gaana Plus Memberships

Rewards & Cashback Structure

Base earning rates, partner merchant acceleration, redemption options, and exclusions

Reward Program Name: BOBCARD Reward Points
Reward Currency: BOBCARD Reward Points
Base Earn Rate: 15 RPs/₹100 Spent on Travel, Dining, and International Spends. 3 RPs/₹100 on All Other Eligible Spends
Point Value (INR): ₹0.2500 per point
Redemption Channels: Refer to bank rewards portal
Reward Point Expiry: Refer to bank rewards program terms

Category Accelerated Earn RatesPublished Terms

Spend Category	Earn Rate	Reward Cap	Conditions
Lifestyle, Dining, Apparel & Salons	15 Reward Points per ₹100 spent on shopping, dining, apparel, and wellness salons (3.75% return; 1 RP = ₹0.25)	No Cap	Standard terms apply
Other Retail Spends	3 Reward Points per ₹100 spent on other purchases (0.75% return)	No Cap	Standard terms apply

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Estimate Your Custom Monthly Rewards

Calculate estimated net cashback and points across your actual spending pattern.

Open Rewards Calculator

Reward Exclusions: Fuel transactions, wallet loading, cash withdrawals, rent payments, educational payments, and government services are generally excluded from base and accelerated reward point accrual across all Indian card issuers.

Reward Calculator

Estimate Your Annual Rewards

Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.

Verified Rates & Caps

Quick Select:

Total Monthly Spend:₹30,000 / month

₹5,000 / mo₹1 lakh / mo₹2 lakh / mo

Category Spend Allocation

Customize monthly spend in each category. Category amounts sum directly to your monthly spend.

Assumed spend distribution

Lifestyle, Dining, Apparel & Salons3.75%

No published cap

₹

Other Retail Spends0.75%

No published cap

₹

Excluded / Non-Reward Spends0%

Fuel, rent, wallet, govt, cash

₹

Category / Reward Bucket	Monthly Spend	Rate	Effective Rate	Cap Period	Eligible Reward	Cap Status
Lifestyle, Dining, Apparel & Salons	₹12,000	15 Reward Points per ₹100 spent on shopping, dining, apparel, and wellness salons (3.75% return; 1 RP = ₹0.25)	—	None	Calculating...	Under cap
Other Retail Spends	₹18,000	3 Reward Points per ₹100 spent on other purchases (0.75% return)	—	None	Calculating...	Under cap
Total Monthly Cashback	₹30,000	-	—	-	₹0 / mo	Zero cap loss

Annual Spends

₹3.6 lakh

12 billing cycles

Annual Capped Rewards

₹0

0% blended return

Effective Fee

-₹1,499

Standard renewal

Net Annual Value

+₹0 / yr

Rewards - Fee

*Calculation based on verified card reward rates, applicable monthly caps, and fee-waiver thresholds - ₹1499 annual fee.

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Airport Lounge Access

Domestic and international lounge privileges, spend hurdles, and participating terminals

Domestic Lounge Access

Airports within India

Included

Complimentary Visits: 1 complimentary visit per quarter
Spend Requirement: ₹40,000 per Previous Calendar Quarter

Unlimited complimentary domestic airport lounge access, subject to ₹40,000 spend in preceding calendar quarter

International Lounge Access

Global airports outside India

Included

Complimentary Visits: Unlimited complimentary visits
Spend Requirement: ₹40,000 per Previous Calendar Quarter
Access Type: BOBCARD Tiara Airport Lounge Access Program

Planning an upcoming departure?

Verify this card against live departure gates and specific terminal lounges across India.

Check airport coverage →

Agartala - Maharaja Bir Bikram AirportIXA

Participating Lounges

Primus Lounge

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Alluri Sitarama Raju International Airport (Vizag)VTZ

Participating Lounges

Airr Lounge

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Bagdogra AirportIXB

Main Terminal

Participating Lounges

Take Off Bar And Lounge

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Biju Patnaik International AirportBBI

Terminal 1

Participating Lounges

Bird Lounge

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Birsa Munda AirportIXR

Participating Lounges

Airr Lounge

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Calicut International AirportCCJ

Participating Lounges

Bird Lounge

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Chaudhary Charan Singh International AirportLKO

Participating Lounges

Adani Lounge (Domestic)Budweiser Lounge - International T3

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Chennai International AirportMAA

Terminal 1, Terminal 4, T2

Participating Lounges

Travel Club Lounge A/B Travel Club

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Chhatrapati Shivaji Maharaj International AirportBOM

Terminal 1C, Terminal 2, Terminal 1B

Participating Lounges

Travel Club Aviserve West - Arrival T2 Aviserve East - Arrival T2 Adani Lounge (erstwhile Oasis Lounge)Good Times Bar - Domestic T1-B East Wing

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Cochin International AirportCOK

Terminal 1, T3

Participating Lounges

Earth Lounge

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Coimbatore International AirportCJB

Terminal 1

Participating Lounges

Blackberry Lounge

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Dehradun Jolly Grant AirportDED

Terminal 1

Participating Lounges

Bird Lounge

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Devi Ahilya Bai Holkar International AirportIDR

Terminal 1

Participating Lounges

Primus Lounge

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Dibrugarh AirportDIB

Terminal 1

Participating Lounges

Primus Lounge - Domestic

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Dr. Babasaheb Ambedkar International AirportNAG

Terminal 1

Participating Lounges

Mandarin Lounge Airr Lounge

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Goa Dabolim International AirportGOI

Participating Lounges

Travel Club

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Gwalior AirportGWL

Participating Lounges

Paahun Executive Lounge

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Indira Gandhi International AirportDEL

Terminal 1, Terminal 2, Terminal 3

Participating Lounges

Encalm Lounge

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Jaipur International AirportJAI

Participating Lounges

Adani Lounge

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Jammu AirportIXJ

Terminal 1

Participating Lounges

Pahun Lounge

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Jay Prakash Narayan AirportPAT

Participating Lounges

Zesto Executive Lounge

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Kannur International AirportCNN

Participating Lounges

Pearl Lounge

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Kazi Nazrul Islam AirportRDP

Participating Lounges

Flury's

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Kempegowda International Airport BengaluruBLR

Terminal 1, Terminal 2

Participating Lounges

080 Domestic Lounge 080 Domestic Lounge East BLR Domestic 080 Domestic Lounge West PH1 080 International Lounge

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Lal Bahadur Shastri International AirportVNS

Participating Lounges

Take Off Bar

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Lokpriya Gopinath Bordoloi International AirportGAU

Participating Lounges

The Lounge FF The Lounge GF

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Madurai AirportIXM

MAIN

Participating Lounges

Primus Lounge

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Maharshi Valmiki International AirportAYJ

Main Terminal

Participating Lounges

Casual Dining Restaurant

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Manohar International AirportGOX

Terminal 1

Participating Lounges

Encalm Lounge

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Navi Mumbai International AirportNMI

Terminal 1

Participating Lounges

Adani Lounge

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Netaji Subhash Chandra Bose International AirportCCU

Terminal 1

Participating Lounges

Travel Club Lounge Travel Club

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Noida International AirportDXN

Main Terminal

Participating Lounges

Travel Club Lounge

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Prayagraj AirportIXD

Terminal 1

Participating Lounges

Zesto Lounge

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Pune International AirportPNQ

Participating Lounges

Elysian Lounge

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Raja Bhoj International AirportBHO

Terminal 1

Participating Lounges

Primus Lounge

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Rajiv Gandhi International AirportHYD

Terminal 1

Participating Lounges

Encalm Lounge

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Sardar Vallabh Patel International AirportAMD

Terminal 1, T2

Participating Lounges

Adani Lounge - Premium Loyalty Adani Lounge

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Shaheed Bhagat Singh International AirportIXC

Terminal 1, T2

Participating Lounges

Primus Lounge Domestic T1 Primus Lounge - International

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Sri Guru Ram Das Ji International AirportATQ

Terminal 1

Participating Lounges

Primus Lounge Airr Lounge (Int)

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Srinagar International AirportSXR

Terminal 1

Participating Lounges

Paahun The Executive Lounge

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Thiruvananthapuram International AirportTRV

T1, T2

Participating Lounges

Merlot Executive Lounge The Lounge (International)

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Tiruchirappalli International AirportTRZ

Participating Lounges

O'Vetra Domestic O'Vetra International

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Vadodara International AirportBDQ

Main Terminal

Participating Lounges

Premium Lounge

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Where can I use this card for airport lounge access?

This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.

See where this card gets lounge access

Airport Lounge Checker

Domestic Allowance1 Domestic visits/quarter · ₹40k quarterly spend required

Airport Coverage40+ Major Indian Airports

Lounge DirectoryView All Lounge Coverage

Representative Major Airport Lounges:

Delhi (DEL)Mumbai (BOM)Bengaluru (BLR)Hyderabad (HYD)Chennai (MAA)Kolkata (CCU)All 40+ Airports →

Fees & Charges

Complete breakdown of joining, renewal, forex, financing APR, and transaction charges

1. Card Membership Fees

Joining Fee (1st Year): Free
Annual / Renewal Fee (2nd Year Onwards): ₹1,499
Annual Spend Fee Waiver: Waived on ₹1.5 lakh annual spend
Fee Terms Notes: ₹0 joining fee; ₹1,499 annual renewal fee waived on spending ₹1,50,000 in preceding year.

2. International Spends

Foreign Currency Markup (Forex): 2.00% + GST
Dynamic Currency Conversion (DCC): Standard 1% mark-up on cross-currency INR transactions where applicable

3. Borrowing & Financing

Monthly Interest Rate (Finance Charges): Refer to official schedule of charges
Annualized Interest Rate (APR): Refer to official schedule of charges
Cash Advance / ATM Withdrawal Fee: Refer to official schedule of charges
Interest-Free Period: Up to 50 Days

4. Other Charges & Taxes

Late Payment Charges: Refer to official schedule of charges

Regulatory Tax Notice: Goods and Services Tax (GST) of 18% is applicable on all card fees, interest charges, and milestone fees as mandated by the Government of India.

Verified Terms & Exclusions Summary

• Joining Fee: ₹0 (Nil joining fee promotional offer). • Annual Renewal Fee: ₹1,499 + 18% GST from Year 2 onwards. • Spend-Based Fee Waiver: Annual fee waived on achieving cumulative retail spends of ₹1,50,000 or more in the preceding anniversary year. • Accelerated Lifestyle Spends: 15 Reward Points per ₹100 spent on dining, beauty/wellness, and department stores (~3.75% value return). • Other Retail Spends: 3 Reward Points per ₹100 spent on all other eligible retail categories (0.75% return). • Point Valuation: 1 Reward Point = ₹0.25. Redeemable as direct statement cashback or curated vouchers via BOBCARD portal. • Domestic Lounge Access: 8 complimentary domestic airport lounge visits per calendar year (max 2 per calendar quarter). • Wellness Benefits: Complimentary annual health check-up package and discounted wellness platform access. • Foreign Currency Markup: Competitive 2.00% + GST on international transactions. • Fuel Surcharge Waiver: 1% fuel surcharge waiver across India on transactions between ₹400 and ₹5,000 (max ₹250/month). • Finance Charges (APR): 3.25% per month (39.0% annualized) on revolving balances.

Is the Annual Fee Worth It?

Evaluate whether this card's perks and waiver threshold justify its ₹1,499 renewal fee.

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Eligibility & Application Requirements

Income criteria, minimum age, CIBIL score benchmark, and verification checklist

Eligibility criteria not specified

Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.

Mandatory Verification Documents

1. Identity ProofPAN Card (Mandatory), Aadhaar Card, Passport, or Voter ID.

2. Address ProofAadhaar (DigiLocker), Utility Bill (Electricity/Piped Gas), or Rental Agreement.

3. Income ProofLatest 3 months salary slips, Form 16, or latest 2 years ITR computation.

Frequently Asked Questions

Common questions regarding BOBCARD Tiara Credit Card application, fees, reward redemption, and eligibility

What categories earn 15 Reward Points per ₹100 on BOBCARD Tiara?

You earn 15 Reward Points per ₹100 spent on dining at restaurants, department stores (apparel, lifestyle), beauty salons, and wellness services. Each point is worth ₹0.25, providing an effective 3.75% value return.

How many airport lounge visits does BOBCARD Tiara offer?

The card provides 8 complimentary domestic airport lounge visits per calendar year, capped at a maximum of 2 visits per calendar quarter.

What is the foreign currency markup on BOBCARD Tiara?

BOBCARD Tiara carries a competitive 2.00% + GST foreign currency markup, which is substantially lower than the standard 3.50% charged by most banks in India.

How do I get the ₹1,499 annual fee waived on BOBCARD Tiara?

The annual renewal fee of ₹1,499 is waived if your cumulative retail spending reaches ₹1,50,000 or more during the previous card anniversary year.

What is the joining and annual renewal fee for BOBCARD Tiara Credit Card?

The joining fee for BOBCARD Tiara Credit Card is Free (one-time), and the annual renewal fee is ₹1,499 from the second year onwards. GST of 18% is applicable on all fee charges.

Can the annual fee on BOBCARD Tiara Credit Card be waived?

Yes, the annual renewal fee of ₹1,499 is waived upon achieving annual spends of ₹1.5 lakh in the preceding card anniversary year.

What are the primary rewards and cashback earn rates on BOBCARD Tiara Credit Card?

BOBCARD Tiara Credit Card offers 15 RPs/₹100 Spent on Travel, Dining, and International Spends. 3 RPs/₹100 on All Other Eligible Spends. Cardholders also enjoy accelerated reward rates on partner merchants and selected digital spend categories.

Does BOBCARD Tiara Credit Card offer complimentary airport lounge access?

Yes, BOBCARD Tiara Credit Card provides 1 Domestic visits/quarter · ₹40k quarterly spend required.