BOBCARD Tiara Credit Card
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Joining Fee
Renewal Fee
Best Suited For
Reward Type
|
Welcome Benefits
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
N/A
Foreign Currency Markup
2%
Interest Rates
3.25% Per Month (39% Per Annum)
Fuel Surcharge
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 FitPass Pro (6 months), 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
Keeping in mind the growing need for fitness and healthy habits for all, BOBCARD offers exclusive and unique health benefits for Tiara Credit Cardholders. These benefits are a cherry on top of regular credit card benefits, such as airport lounge access and accelerated Reward Points.
- A complimentary health package includes a mammogram and pap smear package. Check the complete details, including the booking process, here.
- Free FitPass Pro membership for six months, which offers access to over 2,500+ premium gyms and fitness centers.
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 ₹40,000 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 available 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 | |
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:
Does the Tiara Credit Card come without any joining or annual charges?
What is the spending requirement for airport lounge access with the Tiara Credit Card?
How much annual income do I need to be eligible for the Tiara Credit Card?