BOB Tiara RUPAY Credit Card
Bank of Baroda
Last updated: Feb 03, 2026
₹2,499
₹2,499
2%
No lounge access
Contents
BOB Tiara is a women-focused premium card that rewards dining, travel and international spends. It offers accelerated reward points, unlimited domestic lounge access (subject to spend thresholds) and lifestyle memberships. The card targets frequent travellers and lifestyle spenders who can meet fee waiver milestones.
Features of BOB Tiara RUPAY Credit Card which makes it unique
Lifestyle Memberships
Complimentary memberships (OTT, fitness, food delivery) included in welcome pack
Immediate lifestyle value at card activation
Strong bundled memberships vs. peers
Unlimited Domestic Lounges
Unlimited domestic lounge access when eligibility is met
High travel convenience for frequent flyers
Often reserved for higher-fee premium cards
Rewards Structure of BOB Tiara RUPAY Credit Card
Dining
baseestaurants and dining merchants
Travel
baseAirline, hotels and travel bookings
Base
baseall other
Milestones of BOB Tiara RUPAY Credit Card
Quarterly Spend Requirement
₹40,000 (previous quarter) : Unlimited domestic lounge access (primary cardholder) subject to conditions
Annual Fee Waiver
₹2,50,000 (annual) : Next year annual fee waiver (check bank T&Cs)
Fees & Charges of BOB Tiara RUPAY Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹2,499 |
| Annual Fee | ₹2,499 |
| Forex Markup Fee | 2% |
| Cash Advance Fee | 0 |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 0% |
Renewal Conditions:Annual fee waiver on specified annual spends (check bank T&Cs).
Fee Explanation Fees and waivers are as per BOBCARD terms; check the bank site for exact GST and waiver thresholds.
Detailed Explanation of BOB Tiara RUPAY Credit Card Fees
Joining & Annual Fee: ₹2,499 (yearly)
Joining fee reversal/waiver available on specified spends; see bank T&Cs.
Forex Mark-up: 2% (transaction)
Reduced forex markup on international spends.
Cash Advance Fee: 2.5% (transaction)
Minimum charge may apply.
Lounge Access Benefits with BOB Tiara RUPAY Credit Card
domestic Lounges
silverVisits per year: 0
Guest access: Yes
Eligible on specified quarterly spend (e.g., ₹40,000 in previous quarter).
Insurance Coverage with BOB Tiara RUPAY Credit Card
Travel Insurance
₹10,00,000Subject to terms; applies on international trips if charged on card.
Purchase Protection
VariesLimited period after purchase; check bank T&Cs.
Additional Features of BOB Tiara RUPAY Credit Card
Contactless Payments
Tap-and-pay enabled
Smart EMI
Convert eligible spends to EMI
Merchant and transaction conditions apply.
Welcome Bonus with BOB Tiara RUPAY Credit Card
Welcome Bonus: Memberships and Vouchers
Bonus Conditions: Refer to bank T&Cs on activation and welcome pack eligibility.
Application Process for BOB Tiara RUPAY Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via BOBCARD portal or bank partner
Upload KYC documents
Bank verification and activation offers
Card dispatched within specified timeline
Required Documents for BOB Tiara RUPAY Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
BOB Tiara RUPAY Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted where RuPay is supported internationally
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for BOB Tiara RUPAY Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹60,000
Minimum annual income
Self-Employed Applicants
₹75,000
Minimum annual income
Who Can Apply
Important Conditions
- Applicants should meet KYC and minimum income criteria; women-only eligibility criteria may apply for some variants.
How Approval Is Decided
- Minimum income as specified by bank
- Indian resident
- Credit score and KYC verification
Pros of BOB Tiara RUPAY Credit Card
- Strong accelerated rewards on core categories
- Attractive lifestyle and lounge benefits
- Good value if milestone spends are met
Cons of BOB Tiara RUPAY Credit Card
- High joining and annual fees
- Waivers require relatively high spends
- Some benefits subject to partner T&Cs
Frequently Asked Questions about BOB Tiara RUPAY Credit Card
Is Tiara a women-only card?
BOB Tiara is marketed primarily for women; eligibility details are provided on the bank's product page.
What is the reward rate on dining and travel?
Earn 15 reward points per ₹100 on dining, travel and international spends. Other purchases earn 3 reward points per ₹100. :contentReference[oaicite:1]{index=1}
How does lounge access work?
Unlimited domestic lounge visits are available subject to meeting the bank's spend threshold (example: ₹40,000 in the previous quarter). Check bank terms for lounge list and exact eligibility. :contentReference[oaicite:2]{index=2}
What is the forex markup?
Tiara offers a reduced forex mark-up (reported around 2% on international transactions). :contentReference[oaicite:3]{index=3}
How can I get the joining fee waived?
BOB may reverse or waive joining fee on meeting a specified activation spend (for example, spend thresholds within first 60 days) — confirm exact conditions on the bank page. :contentReference[oaicite:4]{index=4}
What memberships are included in the welcome pack?
Complimentary memberships and partner vouchers (examples: OTT, fitness and food delivery memberships) are included; details listed on the bank's Tiara product page. :contentReference[oaicite:5]{index=5}
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