BOBCARD Tiara Credit Card
BOBCARD · RuPay · Premium card
Fills a women-focused premium-card gap with broad travel and dining rewards.
Frequent diners and travellers who value women-focused wellness privileges.
Terms checked 23 Sept 2026
- Annual fee
- ₹2,499 + GST
- Joining fee
- ₹2,499 + GST
- Base reward rate
- 0.8%
- Forex markup
- 2%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Dining & delivery | 3.8% |
| Travel & hotels | 3.8% |
| International spending | 3.8% |
| Online shopping | 0.8% |
| Bills & utilities | 0.8% |
| Entertainment & movies | 0.8% |
| Subscriptions & streaming | 0.8% |
| Offline store shopping | 0.8% |
| Gold & jewellery | 0.8% |
| Other miscellaneous | 0.8% |
| Groceries & essentials | 0% |
| Fuel & commute | 0% |
| Beauty & wellness | 0% |
| Education & family | 0% |
| Healthcare & pharmacy | 0% |
| House rent | 0% |
| Insurance premiums | 0% |
Caps and fee waiver
- Reward caps
- UPI reward value: ₹500/statement cycle
- Annual fee waiver
- At ₹2,50,000 annual spending
- Monthly income requirement
- Approx. ₹60,000/month
Airport lounge access
Unlimited domestic airport lounge visits
1 domestic airport lounge visit per year · Issuer card
Guest access: Not specified
Requires ₹75,000 per Calendar quarter for the following calendar quarter
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 6 items
Dining, travel and international bonus
Usage-based valueTwelve incremental points plus the three-point base produce 15 points per ₹100 on eligible dining, travel and international card purchases.
Conditions: Twelve incremental points plus the three-point base produce 15 points per ₹100 on eligible dining, travel and international card purchases.
SmartDeal flight rewards
Usage-based valueNine incremental points plus the three-point base produce 12 points per ₹100 on eligible SmartDeal flights.
Conditions: Nine incremental points plus the three-point base produce 12 points per ₹100 on eligible SmartDeal flights.
SmartDeal hotel rewards
Usage-based valueTwenty-seven incremental points plus the three-point base produce 30 points per ₹100 on eligible SmartDeal hotels.
Conditions: Twenty-seven incremental points plus the three-point base produce 30 points per ₹100 on eligible SmartDeal hotels.
Core card reward points
Usage-based valueThree points per ₹100 on other eligible card purchases.
Conditions: Three points per ₹100 on other eligible card purchases.
Core UPI reward points
Usage-based valueThree points per ₹100 on eligible UPI purchases; accelerated categories do not apply on UPI.
Conditions: Three points per ₹100 on eligible UPI purchases; accelerated categories do not apply on UPI.
15 points per ₹100 on eligible dining, travel and international purchases
Shown without a cash value
Fees · 2 items
Annual card fee
Cost ₹2,499₹2,499 annual fee before applicable tax.
Joining fee
Cost ₹2,499₹2,499 one-time joining fee before applicable tax.
Fee waiver · 1 item
Annual fee waiver
Usage-based · up to ₹2,499Annual fee may be waived after ₹2,50,000 of eligible annual spending.
Conditions: Reach ₹2,50,000 eligible annual spending
Welcome benefits · 2 items
Twelve-month FITPASS PRO membership
Shown without a cash valueFitness membership for eligible newly issued Tiara cards; no fixed cash value is assumed.
Conditions: Card issued on or after 1 August 2026 · Spend ₹10,000 within 30 days · Complete partner activation
Twelve-month FITPASS PRO welcome membership for eligible cards issued from 1 August 2026 after ₹10,000 spend in 30 days
Shown without a cash value
Spend milestones · 2 items
Quarterly Myntra, Nykaa, Flipkart, Lakmé, BigBasket and BookMyShow vouchers under separate fulfilment terms
Shown without a cash valueQuarterly shopping, beauty, grocery and entertainment vouchers plus annual memberships
Shown without a cash value
Airport lounge access · 1 item
Domestic lounge access
Usage-based valueUnlimited visits through Issuer card. Guest access: not specified.
Conditions: Spend ₹75,000 per calendar quarter
Insurance and protection · 1 item
Published health check-up packages and women-focused medical consultations under partner terms
Shown without a cash value
Memberships · 2 items
Twelve-month FITPASS PRO welcome membership for eligible cards issued from 1 August 2026 after ₹10,000 spend in 30 days
Shown without a cash valueAnnual Amazon Prime, JioHotstar and Gaana memberships plus three months of Swiggy One
Shown without a cash value
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value2% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. Published minimum monthly income: ₹60,000. Women applicants age 25-55 with minimum annual income of ₹7.2 lakh.
Other benefits · 1 item
1% fuel-surcharge waiver on ₹400-₹5,000 transactions, capped at ₹250 per statement cycle
Shown without a cash value
Other categories (7)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Movies and entertainment
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Travel privileges
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Dining
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Golf
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Fuel benefits
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Concierge
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗
What stands out
- ✓ 15 points per ₹100 on eligible dining, travel and international purchases
- ✓ Unlimited domestic lounge access after ₹75,000 preceding-quarter spend
- ✓ FITPASS PRO welcome membership for eligible new cards
- ✓ Quarterly shopping, beauty, grocery and entertainment vouchers plus annual memberships
What to watch
The 5X categories are capped at 5,000 total points per statement cycle before the base earn continues. UPI receives only core rewards and has a separate ₹500 reward-value cap; many everyday MCCs are excluded.
Recorded exclusions
Groceries · Fuel Commute · Beauty Wellness · Education Family · Healthcare · Rent · Insurance · Wallet load · Government payments · Contracted services · Transportation · Charity · Fast food · Cash withdrawal
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Affiliate disclosure: Affiliate link · GainFair may earn a commission if you complete a qualifying action. You pay nothing extra, and compensation never affects recommendations or rankings. Read the full disclosure.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Card change history
Material changes verified against dated issuer notices. Effective dates can differ from announcement dates.
- Value improved
FITPASS PRO welcome membership introduced
Eligible newly issued Tiara cards can unlock a twelve-month FITPASS PRO membership.
- Before
- The current FITPASS PRO welcome membership was not available.
- After
- Cards issued from 1 August 2026 can qualify after ₹10,000 spend within 30 days.
Checked 23 Sept 2026BOBCARD Tiara product page ↗
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 23 Sept 2026 · Latest recorded change effective 1 Aug 2026