BOBCARD TIARA
A women-only reward points card: 15 points per ₹100 on dining, travel and international spends (up to 5,000 points a statement cycle), 3 per ₹100 elsewhere, points worth ₹0.25 as cashback that never expire, a 2% forex markup, unlimited domestic lounge visits on ₹75,000 of quarterly spend, and quarterly shopping vouchers. Every figure below is copied from BOBCARD’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Only for women: BOBCARD says male applicants are not eligible.
Fees and charges
| Joining fee | ₹2,499 plus GST Product page |
|---|---|
| Annual fee | ₹2,499 plus GST Product page |
| Annual fee waiver | On ₹2,50,000 of spend in the year Product page |
| GST on fees | 18% |
| Foreign-currency markup | 2% of the transaction, plus GST MITC |
| The ₹2,499 joining fee is waived on ₹25,000 of spend in the first 60 days (it is billed in the third statement otherwise); the ₹2,499 annual fee is waived on ₹2.5 lakh of spend in the card anniversary year. | |
Rewards
Reward points, ₹0.25 each when redeemed as stated Product page.
| Spend | Earns | Cap |
|---|---|---|
| Dining, travel and international spends (15 points per ₹100, up to 5,000 points a cycle) | 15 points per ₹100 Product page | up to 5,000 points a statement cycle Product page |
| Other eligible spends (3 points per ₹100) | 3 points per ₹100 Product page | no cap on record |
BOBCARD identifies travel by MCC 4722 (travel agencies) and dining by MCC 5812, so flights or hotels booked directly with an airline or hotel may earn only the core 3 points. UPI payments earn only core points (BOBCARD says TIARA can be added to UPI apps, with UPI reward points capped at ₹500 a statement cycle, but does not name the card network). Online grocery and food delivery are left unrated because supermarket (5411) and fast-food (5814) merchant codes earn nothing. Points earn only on transactions of ₹100 or more and do not expire.
No rewards on
Benefits
- Lounges: Unlimited domestic airport lounge visits — ₹75,000 of spend in the preceding calendar quarter (from 1 October 2026) Product page
- Fuel: 1% fuel surcharge waived on fills of ₹400 to ₹5,000, up to ₹250 a statement cycle Product page
- Welcome: 500 reward points on ₹5,000 of spend in the first 60 days MITC
Also on this card
Quoted from BOBCARD; not counted in the net value.
- Quarterly discount vouchers of ₹500 each at Myntra, Nykaa and Flipkart, and ₹1,500 at Lakmé Salon Product page
- Complimentary annual memberships: Amazon Prime or JioHotstar, and Gaana Plus Product page
- Swiggy One for 3 months once a year and ₹250 off BigBasket each quarter Product page
- Flat ₹250 off two movie or event tickets on BookMyShow each quarter Product page
- Complimentary women's health package (Pap smear, blood tests and mammography) Product page
- 12-month FITPASS PRO membership as a welcome benefit (cards issued from 1 August 2026) Product page
- Extra 12 points per ₹100 on flights and 30 per ₹100 on hotels booked through BOBCARD SmartDeal Terms
- Reward points on TIARA do not expire Terms
Eligibility
- Indian resident Product page
- Age 25 or above Product page
- Age 55 or below Product page
The issuer publishes only part of its criteria; approval rests on its own assessment.
Not published by BOBCARD in the documents read
- the card network
- a RuPay variant for UPI
The quotes behind the figures
40 figures, each copied from an official BOBCARD document.
Show every quote and source
“Just ₹2499 in Joining & Annual Fees. Enjoy joining & annual fee waiver on milestone spends.”
“Goods & Services Tax 18%”
“Spend ₹25000 in the first 60 days and get your joining fee waived off***. Spend ₹2,50,000 in every card anniversary year and get your annual fee waived off***.”
“Eterna, Tiara, Varunah Premium, ICAI, ICSI, CMA: 2% of transaction amount”
“Redeem your reward points as cashback. All your accumulated reward points can be redeemed for cashback. Reward Points on CC UPI are capped at ₹500 per statement cycle (1 Reward Point = ₹ 0.25)”
“15 Reward Points per ₹100 spent on Dining, Travel, and International spends. 3 Reward Points per ₹100 spent on other purchases.*”
“*Please note that 5X Rewards are capped at 5,000 Reward Points on the mentioned categories per statement cycle. Further spends in that statement cycle on these categories will earn Reward Points at the regular earn rate.”
“Tiara International - International transaction flag provided by Merchant Acquirer Dining - 5812 Travel - 4722 5000 Reward points”
“3 Reward Points for every ₹100 spent on other categories.”
“Tiara 3 RP per ₹100”
“Fuel transactions don't accrue/ earn any reward points on any BOBCARD except HPCL Energie BOBCARD”
“Spends on special categories (MCC's) listed in annexure 1 won't qualify for accelerated or core reward points feature.”
“Table 2: Select list of MCC (Merchant Category Code) where Cardholder will not earn any Reward points/ Loyalty benefits.”
“Transportation (Passenger Transportation, Passenger Railways, Bus services, Toll and road and Bridge Fees and Transportation Services - Not Elsewhere Classified) Rent Cleaning and Maintenance, laundry, Personal services (Beauty parlour, barber, Legal and CIVIC services etc) Government Education Hospital Wallet”
“Supermarket and convenience store, Variety Stores, Retail Store Insurance Charity Fast food restaurants”
“Yes, BOBCARD TIARA is exclusively designed for women. Male applicants are not eligible for this card.”
“Tiara ₹ 2,499 ₹ 25,000 in first 60 days”
“Tiara ₹ 2,499 ₹ 2,50,000 in Anniversary year”
“Save more with a Reduced Forex mark-up of 2% on International Spends.”
“Rewards Redemption Fees No Fee”
“Minimum reward points required for redemption against Card statement is 1000 Reward Points”
“Credit Card on UPI transactions are not eligible for Accelerated Reward Points /benefit.”
“Make everyday purchases on UPI with your card added on BHIM, Google Pay, Paytm, PhonePe, and other UPI apps.”
“Starting from 1st October 2026, customers holding Eterna, Eterna FD, Tiara or Varunah Premium credit card must spend ₹75,000 or more in the previous calendar quarter to qualify for unlimited domestic lounge access.”
“Tiara Unlimited Rs. 75,000 in preceding calendar quarter”
“This benefit is applicable only for cards issued on or after 1st August 2026.”
“Yes. TIARA provides unlimited complimentary domestic airport lounge access. To enjoy this benefit, you must have spent a minimum of ₹75,000 in the previous calendar quarter.”
“1% fuel surcharge waiver** at all fuel stations across India on transactions between ₹400 and ₹5,000 (Max. ₹250 per statement cycle).”
“All other cards (except Uni, Scapia, Etihad, Ujjivan Small finance bank): 500 Reward points on spending Rs. 5000 in first 60 days of card issuance.”
“Stay stylish with quarterly discounts^ of ₹500 each at Myntra, Nykaa, & Flipkart, and quarterly discounts of ₹1500 at Lakmé Salon.”
“Get Complimentary Annual Memberships^ for Amazon Prime/ Jio Hotstar, Gaana Plus, and more”
“Celebrate your journey with Unlimited free deliveries on Food and Instamart orders with Swiggy One 3 Month Membership, once per annum. Restock groceries with quarterly discounts of ₹250 on Big Basket.”
“Delight in the latest flicks or any non-movie event with your near and dear, quarterly with BookMyShow, with Flat ₹250 on minimum purchase of 2 movie/non-movie tickets.”
“Complimentary Women's Health Package including Pap Smear & Blood Tests and Mammography package”
“^^Complimentary 12-month FITPASS PRO membership as a welcome benefit.”
“Tiara 12 points for every Rs.100 30 points for every Rs.100”
“Please note reward points on BOBCARD Eterna and BOBCARD Tiara Credit Card are evergreen”
“Indian Resident”
“Minimum 25 years and Maximum 55 years*”
“Achieve milestones, seek new adventures, live life on your terms with TIARA on your side - use your woman card with pride! Apply Now”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with BOBCARD or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is BOBCARD’s own file from its website, unaltered, fetched 2026-10-16. Methodology