BOBCARD Tiara Credit Card Review 2026 | Card24.ai
Card24 Logo
Home / BOBCARD Tiara Credit Card Credit Card Review

BOBCARD Tiara Credit Card Review 2026

India's only credit card built for women. Unlock ₹14,000 vouchers in benefits.

4.2
/5
Card24 Score
Fees
4
Rewards
3
Benefits
5
Last reviewed May 2026 · Card24.ai editorial team
Apply Now Know More
BOBCARD Tiara
Annual Fee
₹2,499 + GST
Rewards
5X
Forex Markup
2%
Cashback Value
₹0.25

Credit Card Verdict - Tiara Review

What we like

  • 5X on dining, travel & international spends
  • Women's health package - Pap Smear, blood tests & mammography
  • Quarterly brand vouchers - Nykaa, Myntra, Flipkart, Lakmé Salon
  • Unlimited domestic lounge access
  • Amazon Prime Video + Gaana Plus annual memberships - free

Watch out for

  • Lounge access needs ₹40K/quarter spend
  • 5X capped at 5,000 RP/cycle - limits return for high spenders
  • No international lounge access
  • Women-only - not available to male applicants
  • UPI reward points capped at ₹500/statement cycle

*5X reward rate = 15 points per ₹100, redeemable at ₹0.25/point, capped at 5,000 points per billing cycle on accelerated categories. UPI reward points capped at ₹500 per statement cycle. Lounge access requires ₹40,000 minimum spend in the preceding calendar quarter (from 1 Jan 2025). All voucher/membership benefits on primary cardholder only. Quarter = calendar quarter. Terms apply.

Credit Card Achievers - Tiara Review

Is BOBCARD Tiara Worth It in 2026?

If you're a woman with an active lifestyle and spend on dining, travel, wellness, and shopping- yes, convincingly.

The quarterly vouchers (Nykaa ₹500 + Myntra ₹500 + Flipkart ₹500 + Lakmé Salon ₹1,500 = ₹3,000/quarter, ₹12,000/year) are among the most brand-specific benefits any credit card offers.

Add free Amazon Prime Video, Gaana Plus, Swiggy One, and you're looking at ₹3,000–₹5,000 in additional subscription value per year. Total annual benefit value easily crosses ₹60,000 for an engaged user - against a fee of ₹2,499.

Tiara is the only credit card in India that combines airport lounge access, a women's health checkup package, and ₹48,000 in fitness benefits - all under a ₹2,499 annual fee.

BOBCARD Tiara Credit Card Benefits

How to Get the Most Out of BOBCARD Tiara?

Spend ₹40,000 per quarter on eligible categories to unlock unlimited lounge access for the next quarter. Route dining, travel, and online spends through Tiara. At ₹13,334 per month, it's achievable as a primary card.

Set a calendar reminder at the start of each quarter to redeem Nykaa, Myntra, Flipkart (₹500 each), Lakmé Salon (₹1,500), BigBasket (₹250), and BookMyShow (₹250) vouchers. Log in to rupay.co.in/select-booking to access. Vouchers lapse at quarter end - do not skip.

Link BOBCARD Tiara (RuPay) to Google Pay or PhonePe for UPI transactions. Earn base reward points on everyday payments.

Your complimentary women's health package (Pap Smear, blood tests, Mammography) is available through RuPay Select. Log in at rupay.co.in/select-booking to schedule your appointment.

The accelerated 5X cap is 5,000 points per billing cycle - equivalent to ₹33,333 in dining/travel/international spend. Spends beyond this earn at the base 3X rate.

BOBCARD Tiara Fees, and Annual Fee Waiver

Joining Fee 2,499 + GST
Joining Fee Waiver Waived on spending ₹25,000 within the first 60 days of card issuance
Annual Renewal Fee ₹2,499 + GST
Annual Fee Waiver Waived on spending ₹2,50,000 in the card anniversary year
Forex / International Markup 2% + GST on all international transactions
Add-on Card Fee ₹0 (up to 3 add-on cards - female family members above 18: mother, sister, daughter)

BOBCARD Tiara Credit Card Eligibility & Documents

Age 25-55 years
Minimum annual income ₹7,20,000
Documents required PAN card · Aadhaar · Last 3 months salary bank statement
Residency Indian resident only

Applying when ineligible creates a hard credit inquiry that may lower your CIBIL score. Verify your eligibility before applying.

How to Apply for BOBCARD Tiara Credit Card

The application process is entirely online and takes about 5-7 minutes.

1

Fill the Application - Enter your basic details on this page- name, income, employment type. Takes under 2 minutes. Card24.ai passes your details to BOBCARD's application system securely.

2

OTP verification - Complete Aadhaar-based OTP authentication for identity verification. This is BOBCARD's standard paperless KYC process.

3

Video KYC - BOBCARD may request a short Video KYC session- a 2-minute video call where an agent verifies your face against your Aadhaar. Keep your PAN card handy. Usually scheduled within 24 hours.

4

Approval decision - Most applicants receive a decision within 24-48 hours. If approved, your digital card is available immediately for online transactions.

5

Physical card dispatch - Your physical card arrives in 3-7 working days. Activate it via the BOBCARD app or by calling customer care.

Start Your Application

Frequently Asked Questions

BOBCARD Tiara is exclusively designed for women. Male applicants are not eligible. Add-on cards are also restricted to female family members - mother, sister, or daughter above 18 years.
You must spend ₹40,000 in the preceding calendar quarter to unlock unlimited domestic lounge access for the following quarter. This condition applies from 1 January 2025. For newly issued cards, the lounge access is waived in the first quarter - allowing immediate access without a spend requirement.
The minimum net annual income required is ₹7,20,000 (₹7.2 LPA) for both salaried and self-employed women. Age eligibility is 25–55 years, though BOBCARD may consider applications outside this range at their discretion.
Log in to rupay.co.in/select-booking using your registered mobile number to access and redeem Nykaa, Myntra, Flipkart, Lakmé Salon, BookMyShow, and BigBasket vouchers. Benefits are applicable to primary cardholders only and expire at the end of each calendar quarter - redeem before the quarter ends.
You earn 15 reward points for every ₹100 spent on dining, travel, and international transactions -in cashback value (1 point = ₹0.25). All other eligible spends earn 3 points per ₹100. Accelerated rewards are capped at 5,000 points per billing cycle. UPI rewards are additionally capped at ₹500 per statement cycle.
Yes. BOBCARD Tiara runs on the RuPay network and can be linked to Google Pay, PhonePe, Paytm, and BHIM for UPI transactions. You earn base reward points (3 points / ₹100) on UPI spends. Note: UPI reward points are capped at ₹500 per statement cycle.