All cards / Bank of Baroda
BOBCARD TIARA Credit Card
BOBCARD's card for women, bundling OTT/shopping/fitness subscriptions and women's health benefits with unlimited domestic lounge access — a strong perks-to-fee ratio if the bundled subscriptions get used.
Annual fee
₹2,499
Joining fee
₹2,499
Reward type
points
Base reward rate
0.75%
Card network
RuPay
Card tier
Mid
Who this card fits
Best suited to applicants who clear the standard eligibility bar whose spend is concentrated in online shopping, travel. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 0.75% base rate
- Domestic lounge access: Unlimited complimentary domestic lounge access on ₹75,000 quarterly spend
Benefits by category
- 🍽️ Dining & food delivery
3.75% reward rate
- ✈️ Travel
3.75% reward rate · Unlimited complimentary domestic airport lounge access
- 🛡️ Insurance
Complimentary women's health check-ups (Pap smear, blood tests, mammography package)
- 🌍 Forex / international spend
2% forex markup on international transactions
Eligibility
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹2,50,000
- Foreign currency markup: 2%
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹250 per statement cycle
- Cash advance charges: 2.5% of the amount withdrawn, or ₹500, whichever is higher
Benefits
- Joining fee reversed on ₹25,000 spend within 60 days
- Unlimited complimentary domestic airport lounge access
- Complimentary Amazon Prime, JioHotstar, Gaana Plus, and Swiggy One memberships
- ₹500 quarterly discount vouchers for Nykaa, Myntra, and Flipkart
- Complimentary women's health check-ups (Pap smear, blood tests, mammography package)
- Complimentary 12-month FITPASS PRO membership as a welcome benefit, for cards issued on or after 1 August 2026
Pros
- + Unlimited domestic lounge access at a modest fee
- + Generous OTT/shopping/fitness subscription bundle
- + Joining fee is easily reversible
Cons
- − RuPay-only limits international acceptance
- − ₹2.5 lakh annual spend needed to waive the renewal fee
- − Unremarkable 2% forex markup for a travel-leaning card
Best for
Related guides