Skip to content

BOBCARD Tiara Credit Card

Empowering your journey, tailored for her.

We have all heard the age-old adage that each individual is unique and possesses their own special talents. While this holds true for talents, it is equally valid for needs. Each individual has their own requirements, and while these often differ, there are times when large groups share similar needs. The Tiara Credit Card has been crafted with this in mind. This credit card by BOBCARD is specially designed to cater to the needs and wants of women, offering rewards and benefits most useful to them.

Available in bright, positive colors, this card offers accelerated 5X Reward Points on dining, travel, and international spends. In addition to this, features such as a low Forex markup charge of 2% and complimentary memberships provide women with the opportunity to save more and get added value from their spending.

In terms of independence, this card allows linking to UPI apps such as Google Pay for UPI payments. This ensures the convenience and smoothness of payments directly from the mobile phone powered by our own indigenous RuPay network. For frequent travelers, the Tiara Credit Card offers unlimited airport lounge access at popular airports across India— a feature that sets it miles apart from its competitors.

Available at a joining and annual fee of ₹2,499 + GST (₹2,748), this charge can be easily reversed or waived by achieving specific spending milestones, making it an essential card for all women with minimum charges.

Gone are the days when credit cards were perceived as tools for debt traps and fraud. In today’s modern times, these cards offer security, savings, and independence for everyone. Why should women lag behind in this aspect?

Read the full review of the Tiara Credit Card to learn more about its many features and benefits.

BOBCARD Tiara Credit Card

( 4.5 / 5 )
BOBCARD Tiara Credit Card
  • Joining Fee₹2,499 + GST
  • Annual Fee₹2,499 + GST
  • Best Suited ForTravel, Shopping, Food
  • Reward TypeReward Points

Rewards Rate

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

Welcome Benefits

Free Swiggy One (3 Months), Amazon Prime/Disney Hotstar, and Gaana Plus Memberships

Movie & Dining

Free Swiggy One Membership, Quarterly Discounts on Big Basket, and Upto ₹250 Off on Movie Ticket Bookings With BookMyShow

Rewards Rate

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

Reward Redemption

Redeem Reward Points for Cashback (1 Reward Point = ₹0.25)

Travel

Low Forex Charge

Domestic Lounge Access

Unlimited Domestic Airport Lounge Access on Spends of ₹40,000 in the Previous Quarter

International Lounge Access

N/A

Golf

N/A

Insurance Benefits

Zero Liability on Lost Card

  • Spend-Based 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

    Rewards Redemption Fee

    Foreign Currency Markup

    2%

    Interest Rates

    3.75% Per Month (45% Per Annum)

    Fuel Surcharge Waiver

    1% Fuel Surcharge Waiver Up to ₹250 in a Statement Cycle

    Cash Advance Charges

    N/A

    • The BOBCARD Tiara Credit Card comes at a joining fee of ₹2,499 + GST. This may seem high, but it can be easily waived by spending ₹25,000 in the first two months of card issuance.
    • This card offers many beneficial complimentary memberships like Swiggy One (3 months), Amazon Prime/Disney Hotstar, and Gaana Plus.
    • Low Forex markup charge of 2%.
    • 5X accelerated Reward Points on dining, travel, and international spending. 3X Reward Points on all other eligible spends.

    Pros

    • Although this card has a Forex markup charge of 2%, it is still more competitive than many others in the market, as most credit cards typically charge 3% to 3.5% in Forex markup fees for international transactions.
    • Additionally, the Tiara Credit Card offers accelerated reward points for international spends, making it an excellent choice for those who frequently travel abroad.

    Cons

    • The Tiara Credit Card offers two attractive benefits for those who travel abroad: accelerated reward points and low Forex charges. But in terms of international airport lounge visits, this card offers none.

  • Complimentary Memberships

    Tiara Credit Cardholders get multiple free memberships as a welcome/joining benefit. These memberships are only available for the primary cardholder.

    • Free annual memberships to Amazon Prime/Disney Hotstar, Gaana Plus, and more.
    • Complimentary Swiggy 3-month membership along with the Tiara Credit Card offering free delivery and discounts on food.

    Unique Health Benefits

    With the growing focus on fitness and preventive healthcare, the BOBCARD Tiara Credit Card offers exclusive wellness benefits designed for women. In addition to premium credit card features such as airport lounge access and accelerated Reward Points, cardholders also receive a complimentary health package that includes essential screenings like a mammogram and Pap smear test, helping them prioritize their health and well-being.

    Reward Rate

    • 15 Reward Points/₹100 Spent on Travel, Dining, and International Spends. These accelerated 5X Reward Points shall be capped at 5,000 per statement cycle, after which the regular base rate shall be applicable.
    • 3 RPs/₹100 on All Other Eligible Spends.
    • No Reward Points for fuel transactions.
    • 1 Reward Points = ₹0.25.
    • Reward Points earned with UPI transactions shall be capped at ₹500 per statement cycle.

    Unlimited Domestic Airport Lounge Access

    The Tiara Credit Card by BOBCARD offers users unlimited domestic lounge visits on spends of ₹75,000 in the previous quarter. This spending requirement is basic and easily achievable by those who wish to opt for domestic lounge visits. Cardholders shall be able to get lounge access across popular airports in India, from New Delhi to Chandigarh. The full list of airport lounges for Tiara cardholders can be found here.

    When a new card, Tiara Credit Card, is issued, the minimum spending requirement for lounge utilization is waived for the calendar quarter in which the card is issued. This exception only applies to newly issued cards.

    This card offers no international airport lounge access. 

    Quarterly Discounts

    All the following discounts are available on a quarterly basis. These shall only be provided to the primary cardholder.

    • Get ₹500 quarterly discount on Myntra, Nykaa, and Flipkart each. This shall lead to savings of ₹1,500 each quarter.
    • Groceries on a discount with ₹250 off on BigBasket each quarter.
    • Tiara Credit Card shall also offer ₹1,500 off quarterly at Lakmē Salon. This can be a huge benefit for those women who avail themselves of their services on a regular basis.

    Let’s look at all the available discounts to understand annual savings better.

    Brand Quarterly Discount Annual Savings
    Myntra ₹500 ₹2,000
    Nykaa ₹500 ₹2,000
    Flipkart ₹500 ₹2,000
    Lakmē Salon ₹1,500 ₹6,000
    Total Savings ₹12,000

    Tiara Credit Card Features

    Bottom Line

    The benefits of credit cards are widely recognized today, ranging from cashback to reward points, which offer savings on all expenditures. Additionally, many credit cards now provide lifestyle benefits, such as Buy One Get One free movie ticket bookings, complimentary airport lounge access, early access to concert tickets, and much more. These advantages emphasize the importance of having at least one good credit card.

    For women, the Tiara Credit Card stands out as an excellent option, available for a reasonable joining fee of ₹2,499 + GST, which can be easily waived. This card offers valuable lifestyle benefits specifically tailored for women, including useful memberships, quarterly discounts, fuel surcharge waivers, rewards on UPI payments, health benefits, and more, along with a high reward rate of 3.75% on dining and travel spends.

    FAQs:

    No, the Tiara Credit Card comes at a joining and annual fee of ₹2,499 + GST. Although this is not a lifetime free credit card, the joining fee can be waived by spending ₹25,000 in the first 60 days of card issuance, and annual charges can be waived by spending ₹2.5 lakh in a year.

    Cardholders would need to spend ₹75,000 in the previous quarter to be eligible for unlimited airport lounge access with the Tiara Credit Card.

    An annual income of ₹7.2 lakh or more is required for the Tiara Credit Card by BOBCARD.

    Leave the first comment