About Bank of Baroda Tiara Credit Card
The BOB Tiara Credit Card is a good all-around card for women, offering benefits in lifestyle, travel, dining, entertainment, and health & fitness. Cardholders get free memberships for Amazon Prime, Disney+ Hotstar, Gaana Plus, Swiggy One, and Fitpass Pro, covering entertainment, food delivery, and fitness. You also get quarterly discounts of up to Rs. 1,500 on popular brands like Nykaa, Flipkart, Myntra, BookMyShow, and Lakmé Salon, along with extra rewards on dining.
For travel, the card charges a low 2% forex fee, gives 5X rewards on travel and international spending, and offers unlimited domestic lounge access.
This card is suitable for those who want a versatile card with benefits across many areas or want to upgrade from a basic card.
Things to note:
- Reward points have a low redemption value of 4:1, which reduces their overall worth.
- Domestic lounge access requires spending Rs. 40,000 per quarter.
- No international lounge access is included.
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Bank of Baroda Tiara Credit Card Rewards Program
Rewards Program
- Earn 15 points for every Rs. 100 spent on dining, travel, and international purchases.
- Earn 3 points for every Rs. 100 spent on other purchases.
- Redeem points for cashback at 1 point = Rs. 0.25.
Other Features and Benefits
Fee Reversals:
- Joining Fee: Waived if you spend Rs. 25,000 within 60 days.
- Annual Fee: Waived if you spend Rs. 2.5 lakh in a year.
Fuel Surcharge:
- 1% waiver on fuel spends between Rs. 400 – Rs. 5,000 (max Rs. 250/month).
Complimentary Memberships:
- Amazon Prime / Disney+ Hotstar / Gaana Plus – 1 year each
- Swiggy One – 3 months (once a year)
- Fitpass Pro – 6 months (worth Rs. 15,000)
Travel Benefits:
- Low 2% forex mark-up fee
- Unlimited domestic lounge access (spend Rs. 40,000 per quarter)
Quarterly Discounts:
- Rs. 500 off on Nykaa, Flipkart, and Myntra
- Rs. 250 off on BookMyShow (min. 2 tickets) and BigBasket
- Rs. 1,500 Lakmé Salon voucher
Health & Wellness:
- Complimentary women’s health packages: Pap Smear, Blood Tests, Mammography, and more
Fees and Charges
| Fee Type | Amount |
|---|
| Joining Fee | Rs. 2,499 + Taxes |
| Annual Fee | Rs. 2,499 + Taxes |
| Finance Charges | 3.6% p.m. (43.2% p.a.) |
| Late Payment Charges | | For Statement Balance: | Amount | | Less than Rs. 100 | Nil | | Rs. 101 to Rs. 500 | Rs. 100 | | Rs. 501 to Rs. 1,000 | Rs. 400 | | Rs. 1,001 to Rs. 10,000 | Rs. 750 | | Rs. 10,001 to Rs. 25,000 | Rs. 950 | | Rs. 25,001 to Rs. 50,000 | Rs. 1,100 | | More than Rs. 50,000 | Rs. 1,300 |
|
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Things to Know Before you apply
Get this card if:
- You often spend on dining, travel, or international purchases to earn extra rewards.
- You travel frequently and want unlimited domestic lounge access.
- You shop on Nykaa, Flipkart, Myntra, BigBasket, BookMyShow, or Lakmé Salon and want discounts.
- You spend enough on your card to get the annual fee waived.
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
Document Required For Bank of Baroda Tiara Credit Card
- Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
- Proof of Address: Aadhaar Card, Driver’s License, Passport
- Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
Bank of Baroda Tiara Credit Card Hilights
What do we like about this card?
- 15 reward points on dining, travel, and international spends; 3 points on other purchases
- Joining fee waived on Rs. 25,000 spend in 60 days; annual fee waived on Rs. 2.5 lakh spend
- 1% fuel surcharge waiver (up to Rs. 250/month)
- Free memberships: Amazon Prime, Disney+ Hotstar, Gaana Plus, Swiggy One, Fitpass Pro
- Low 2% forex fees
- Unlimited domestic lounge access
- Quarterly discounts on Nykaa, Flipkart, Myntra, BookMyShow, BigBasket, and Lakmé Salon
- Complimentary women’s health packages
Pros
- Low 2% forex markup fee
- Unlimited domestic lounge access
- Free memberships to Amazon Prime, Disney+ Hotstar, Gaana Plus, and Swiggy One
- Discounts on top brands like Nykaa, Flipkart, Myntra, and more
- Special health & wellness benefits for women
Cons
- No international lounge access
- Reward points have low redemption value (1 RP = Rs. 0.25)
- Maximum limit on 5X reward points
- No reward points on fuel purchases
Bank of Baroda Credit Card Contact Details
- Contact Address: BOB Financial Solutions Ltd. 2nd Floor, Baroda House, Behind Dewan Shopping Centre, S. V. Road, Jogeshwari (West), Mumbai – 400102, Maharashtra, India
- Helpline: 1800 266 5100 (Toll-Free) +91 22 4206 1111 (International)
- Simply SMS: Send ‘HELP’ to 9223172141 from your registered mobile number
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Frequently Asked Questions
Everything you need to know about this credit card
New cardholders get annual memberships for Amazon Prime, Disney+ Hotstar, and Gaana Plus, a 3-month Swiggy One membership, and a 6-month Fitpass Pro membership worth Rs. 15,000.
Yes, it offers unlimited domestic lounge access for the primary cardholder, valid on spending Rs. 40,000 in the previous quarter.
No, fuel transactions do not earn reward points. However, you get a 1% fuel surcharge waiver on spends between Rs. 400–4,000 (up to Rs. 250 per month).
Yes, reward points can be redeemed as cashback, where 1 reward point = Rs. 0.25.
The card provides women’s health benefits, including complimentary Pap Smear, Blood Tests, Mammography, and other health check-ups.
Cardholders get quarterly discounts on popular brands like Nykaa, Flipkart, Myntra, BookMyShow, BigBasket, and Lakmé Salon, helping save on lifestyle and entertainment spends.
The joining fee is waived on spending Rs. 25,000 within the first 60 days, and the annual fee is waived if you spend Rs. 2.5 lakh in a year.
