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.
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
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
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
Simply SMS: Send ‘HELP’ to 9223172141 from your registered mobile number
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.
How Can I Apply for a Credit Card Online?
✔Step 1: Enter your mobile number in the application form
✔Step 2: Provide your personal details
✔Step 3: Enter OTP to verify your mobile number
✔Step 4: Select the credit card
✔Step 5: Compare offers and apply for the best-suited credit card
Bank of Baroda
Airport Lounge Access
Dining
Reward Points
