BOB Tiara Credit Card: Features & Benefits

Summary

BOB Tiara Credit Card is a luxury credit card specially designed for women with the finest rewards, savings, and lifestyle benefits. It offers 5X reward points on internet shopping, grocery, and departmental store spending; 3X reward points on restaurant, travel, and entertainment spending; and 1X reward point on other spending. The reward points are returnable in shopping, travel, or bill payment, thus providing value to every transaction.

One of the finest things about this card is the no joining fee when you spend the spending requirement. Also, the ₹2,499 + GST annual fee is waived when you spend ₹2.5 lakh in one year. Thus, the card is pocket-friendly while offering you the advantage of several benefits. The card provides 4 complimentary domestic airport lounge accesses in a year for frequent flyers, which makes the experience free from hassles at airports.

The waiver of the fuel surcharge means that there are savings on petrol and diesel prices and is, therefore a great choice for frequent commuters. The 2% foreign currency markup charge fee is also cheaper than other credit cards when making overseas transactions. Security is also guaranteed, as the card includes contactless payment technology and fraud protection features to safeguard transactions.

Introduction

At the present time, credit cards are not a means of payment but bring rewards, cashback, and exclusive privilege. If you want to receive a credit card with great perks, especially for women, then BOB Tiara Credit Card by Bank of Baroda is a great deal. It’s a unique women’s credit card with the perfect blend of saving, luxury, and lifestyle advantage.

With the BOB Tiara Credit Card, you earn rewarded points for shopping, dining, travel, and entertainment, and greater value for your daily spend. The card also offers other benefits, such as free airport lounge access, fuel surcharge exemptions, and brand and service discounts. Shop, travel, or dine out, and this card gives the greatest return on your money.

One of the most appealing features of this card is that there is no joining fee, so it is cost-effective. Also, if you use the card judiciously and spend according to the parameters, you can even get the annual fee exempted. The reward program allows you to earn points on all spends, which can be used to buy gifts, vouchers, etc. You would like the local airport lounge amenities if you commute a lot because they offer the convenience of relaxing and enjoying luxuries while awaiting your flight.

Another important advantage is the fuel surcharge exemption, which will save you money when buying fuel. Furthermore, while shopping online with the card, you can get special offers and cash back on your purchases. Besides that, the card provides EMI conversion on expensive purchases, so you do not have to bear the burden of financial pressure.

What is the BOB Tiara Credit Card?

The BOB Tiara Credit Card is a premium credit card by Bank of Baroda, exclusively for women. It provides several benefits like reward points, cashback, shopping deals, travel facilities, and fuel surcharge waivers. The card enables women to manage their expenses cleverly while they indulge in luxury.

You can earn reward points on all transactions through the BOB Tiara Credit Card, and these can be used to make purchases, take trips, or settle your bills. It offers complimentary airport lounge access so that you can enjoy staying in airports. Through this card, if you are someone who regularly buys fuel, your money is spared with a fuel surcharge waiver.

One of the greatest things about this card is that there are no joining fees. You will also not be required to pay an annual fee if you qualify for the spending requirement for a year. The card is very secure, with contactless transactions and fraud cover to safeguard your transactions.

What is the design of the BOB Tiara Credit Card?

BOB Tiara Credit Card is tastefully designed and reflects sophistication. The card carries a beautiful pink and purple theme, symbolizing luxury and privilege, especially for women. The card is designed to be contemporary and sleek in its appearance, thus appearing high-end.

At the front, there’s the Bank of Baroda symbol, the Tiara symbol, and the Mastercard or Visa logo, respectively. It comes with a contactless payment symbol, which makes it easy for you to do secure payments without inserting or swiping the card.

What are the benefits of the BOB Tiara Credit Card?

Following are the major advantages of real reward points:

1. Reward Points for All Your Spend

• 5 reward points for every online purchase, grocery shopping, and department store spending.

• 3 reward points for every dining, travel, and entertainment spend.

• 1 reward point for each ₹100 spent on all other purchases.

• 1 reward point = ₹0.25 on redemption.

2. Free Access to Airport Lounges

• 4 complimentary domestic lounge accesses in a year (1 every quarter).

3. Waiver of Fuel Charge

• 1% fuel surcharge waiver on fuel expense of ₹400 to ₹5,000.

• Up to ₹250 per month as maximum waiver.

4. Waiver of Annual Fee

• Expenses₹1.2 lakh per year to waive the annual fee.

5. Contactless & Secure Payments

• Tap and pay securely, easily, and conveniently without a PIN for up to ₹5,000.

6. EMI Facility

• Spend large on convenient EMIs to make life easier to manage money.

7. Exclusive Discounts & Offers

• Partnership rewards with special dining, shopping, and travel.

What are the fees for the BOB Tiara Credit Card?

Here is a simple BOB Tiara Credit Card fee breakup.

Joining Fee	₹2,499 + GST.
Annual Fee	₹2,499 + GST.
Add-on Card Fee	There are no charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, a 3.49% per month (41.88% annually) charge on the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹300, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting a BOB Tiara Credit Card?

1. Age Requirement:

• You should be between 18 to 65 years of age.

2. Income Requirement:

• You must have a stable monthly income (The exact amount may vary based on Standard Chartered’s policy).

3. Employment Status:

• You should have a regular job or business with a fixed income source.

4. Credit Score:

• A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

• You should be an Indian resident and have a valid address proof.

What documents are required to get a BOB Tiara Credit Card?

The documents that you will have to submit to Get a BOB Tiara Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months if you are a salaried employee Bank statement for the last 3 months ITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the BOB Tiara Credit Card be used?

Here is the list of places where you can use it:

• With the BOB Tiara Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your BOB Tiara Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The BOB Tiara Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the BOB Tiara Credit Card?

The credit limit of the BOB Tiara Credit Card will rely on your income, credit score, and banking relationship. Subject to eligibility, this is a high-end credit card, typically ranging from ₹5 lakh to ₹25 lakh or more.

If you hold a Priority Banking account, you may be extended a higher credit limit. You are also allowed by the bank to request a limit upgrade based on your spending and repayment record. To ascertain your actual limit, you may call the Bank of Baroda once you have made your application.

How do you apply for a BOB Tiara Credit Card?

Apply it through both these modes: 

Online Application Process

• Visit the official website of the Bank of Baroda, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by Bank of Baroda; for instance, you can choose the BOB Tiara Credit Card.

• Just hover your cursor on the BOB Tiara Credit Card, followed by selecting ‘Apply Now’ from there.

• You will be asked to fill out your details, including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after you submit it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process

• You can walk into the nearest Bank of Baroda branch to apply for the BOB Tiara Credit Card.

• Request for the credit card application form for the  BOB Tiara Credit Card. They will provide you with the form and proceed accordingly.

• Fill in the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the BOB Tiara Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the Bank of Baroda Card website or mobile app or by calling their customer service.

• For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting a BOB Tiara Credit Card in 2025 be right?

Yes, getting a BOB Tiara Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility. 

Bank of Baroda is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and have good credit, it might be a very good option in 2025.

Conclusion

The BOB Tiara Credit Card is a wonderful choice for women who wish to have a lifestyle-based and reward-based credit card. It offers various benefits, including shopping, dining, and travel reward points, airport lounge access at no cost, fuel surcharge waivers, and exclusive discounts on top brands. The most positive feature is that the card comes with no joining fees, and you get an opportunity to have your annual fee exempted if you spend within the specified parameters.

This card is designed to reward your day-to-day usage. Whether you go shopping, travel, or eat out, BOB Tiara Credit Card guarantees you maximum value for money. The 5X reward points for online purchases, shopping at grocery stores, and shopping at department stores offer you more per transaction. Contactless payment solution and fraud protection features also secure and simplify your transactions.

For frequent travelers, the airport lounge benefit at no cost is an excellent boo, so that you can relax before your flights. The elimination of the fuel surcharge also helps you save on petrol and diesel expenses. Moreover, the convenience of splitting big transactions into convenient EMIs makes it easy to pay for your expenses without further hassle.

Frequently Asked Questions (FAQ’s)