Bank of Baroda
BOBCARD Tiara Credit Card
Annual Fee
₹2,949₹2,499 + GSTBase Reward
3% points
Foreign Markup
2%
Welcome Benefits
Free Swiggy One (3 Months), FitPass Pro, Amazon Prime/Disney Hotstar and Gaana Plus Memberships
Product Highlights
- 5X Reward Points on dining, travel, and international spends
- Low Forex markup charge of 2%
- Complimentary memberships like FitPass Pro and Swiggy One
Category Rewards
dining
5X on dining, travel, international
5X
travel
5X on dining, travel, international
5X
Specialty
5X on dining, travel, international
5X
Fee Waiver
Spend ₹25,000 in the First 60 Days of Card Issuance for Reversal of Joining Fees. Annual Fee Waiver on Spends of ₹2.5 Lakh in a Year
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
Swiggy
15 Reward Points/₹100
Big Basket
15 Reward Points/₹100
BookMyShow
15 Reward Points/₹100
Myntra
15 Reward Points/₹100
Nykaa
15 Reward Points/₹100
Flipkart
15 Reward Points/₹100
Lakmē Salon
15 Reward Points/₹100
Reward Calculator
Earns ₹2,250/year (net)
Modest gain. Solid hold if you like the perks.
₹13K
across all your buckets
9K
BOBCARD Reward Points
₹2.3K
via standard · ₹0.25/pt
Effective rate
1.44%
Annual fee
FREE
Year 1 net
+₹2,250
Year 2+ net
+₹2,250
ongoing
Adjust your spend by reward bucket
2 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Excluded from rewards
fuel, rent, wallet, emi, cash advance, government
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
15 Reward Points for every ₹100 spent on Travel, Dining, and International spends. 3 Reward Points for every ₹100 on all other eligible spends.
- 1 Reward Point = ₹0.25
Benefits & Features
Domestic: Unlimited Domestic Airport Lounge Access (Spends of ₹40,000 in the Previous Quarter) International: N/A Unlimited domestic lounge visits on spends of ₹40,000 in the previous quarter.
Pros & Cons
Pros
- Accelerated reward points for international spends
- Competitive Forex markup charge compared to others
Cons
- No international airport lounge access
Additional Info
The card is tailored for women with unique benefits.
Spending requirements for waivers and benefits are achievable.
5,000 Reward Points cap per statement cycle for accelerated points.
Excluded Categories
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Self-Emp
₹7.2L+
Networks
Fee Waiver
Spend ₹25,000 in the First 60 Days of Card Issuance for Reversal of Joining Fees. Annual Fee Waiver on Spends of ₹2.5 Lakh in a Year