Bank of Baroda Tiara Credit Card
Card Overview
Bank of Baroda Tiara Credit Card by BOBCARD is specially designed for women, offering rewards and benefits tailored to their lifestyle. It provides 5X Reward Points on dining, travel, and international spending, along with a low forex markup fee of 2% and complimentary memberships to maximize savings. The card supports UPI payments through Google Pay and other apps via the RuPay network, ensuring smooth transactions. Frequent travelers will appreciate unlimited domestic airport lounge access, adding extra comfort to their journeys. With a joining and annual fee of ₹2,499 + GST (₹2,748), this cost can be waived upon reaching spending milestones, making it an affordable yet rewarding option.
Beyond just transactions, the Bank of Baroda Tiara Credit Card offers lifestyle perks like Buy One Get One free movie tickets, quarterly shopping discounts, fuel surcharge waivers, and health benefits. You can use services like Amazon Prime, Disney+ Hotstar, Gaana Plus, Swiggy One, and Fitpass Pro without paying extra. Cardholders can also enjoy up to ₹1,500 in discounts from brands like Nykaa, Flipkart, Myntra, and BookMyShow. While it doesn’t offer international lounge access and domestic lounge visits require a spending condition, the low forex fee and high international rewards make it a great choice for travelers. With its balanced mix of rewards, savings, and exclusive privileges, the Bank of Baroda Tiara Credit Card is an excellent choice for first-time users or those looking to upgrade.
Card Details
- Earn 15 reward points per ₹100 on dining, travel, and international spending.
- Earn 3 reward points per ₹100 on other expenses.
- Enjoy unlimited domestic airport lounge access.
- Get a reduced forex markup fee of 2% on international spending.
- Receive a complimentary health package for women, including Pap Smear, Blood Tests, and a Mammography package.
- Save ₹500 every 3 months on Nykaa, Myntra, and Flipkart, and get ₹1,500 off every 3 months at Lakme Salon.
- Enjoy complimentary annual memberships for Amazon Prime, Disney+ Hotstar, and Gaana Plus.
- Get a free 3-month Swiggy One membership with exclusive benefits.
- Supports UPI payments through various platforms.
- Get your joining fee refunded by spending ₹25,000 within 60 days of activation.
- Enjoy a 1% fuel surcharge waiver on spends between ₹400 and ₹5,000.
- Convert transactions of ₹2,500 or more into EMIs with tenures from 6 months to 4 years.
- Get three lifetime free add-on cards for parents, kids, or siblings (18+ years old).
- You won’t have to pay for any unauthorized charges if your card gets lost or stolen.
- Offers secure contactless payment options.
Features & Benefits
Bank of Baroda Tiara Credit Card - Benefits, Lounge Access and Discounts
The Bank of Baroda Tiara Credit Card is a premium credit card specially designed for women who want rewards, shopping discounts, travel benefits, and wellness privileges in a single card. Apart from earning Reward Points on daily spending, cardholders also get access to entertainment memberships, airport lounges, fitness benefits, and exclusive quarterly offers.
If you are looking for a lifestyle-focused credit card that offers value beyond regular cashback and rewards, the Tiara Credit Card can be a good choice.
Complimentary Membership Benefits
One of the biggest attractions of the Tiara Credit Card is its complimentary memberships. These memberships help cardholders save money on entertainment and food delivery services.
As a welcome benefit, primary cardholders can receive annual memberships to popular platforms such as Amazon Prime, Disney+ Hotstar, Gaana Plus, and other partner services. The card also offers a complimentary 3-month Swiggy membership, allowing users to enjoy free deliveries and special discounts on food orders.
For people who regularly use these services, these memberships can create meaningful savings throughout the year.
Membership Benefits at a Glance
| Benefit | Details |
|---|---|
| Amazon Prime Membership | Complimentary Annual Membership |
| Disney+ Hotstar | Complimentary Annual Membership |
| Gaana Plus | Complimentary Annual Membership |
| Swiggy Membership | Free for 3 Months |
| Eligibility | Primary Cardholder Only |
Exclusive Health and Fitness Benefits
Unlike many traditional credit cards, the Tiara Credit Card focuses on health and wellness benefits for women.
Cardholders receive a complimentary women's health screening package that includes mammogram and pap smear tests. These preventive health checkups can help users stay proactive about their health while avoiding additional expenses.
The card also offers a complimentary 6-month FitPass Pro membership. This membership provides access to more than 2,500 gyms and fitness centers across India, making it easier to maintain a healthy lifestyle.
Earn Reward Points on Everyday Spending
The Tiara Credit Card offers accelerated rewards on popular spending categories. Whether you book flights, dine at restaurants, or shop internationally, you can earn Reward Points faster.
Reward Structure
| Spending Category | Reward Points |
|---|---|
| Travel Spends | 15 RP per ₹100 |
| Dining Spends | 15 RP per ₹100 |
| International Spends | 15 RP per ₹100 |
| Other Eligible Spends | 3 RP per ₹100 |
| Fuel Transactions | No Reward Points |
| Reward Value | 1 RP = ₹0.25 |
The accelerated 5X reward rate is capped at 5,000 Reward Points per statement cycle. Reward Points earned through UPI transactions are capped at ₹500 per statement cycle.
Real-Life Example: How Much Can You Earn?
Suppose Priya spends:
- ₹10,000 on flight bookings
- ₹8,000 on dining
- ₹12,000 on shopping
- ₹5,000 through UPI
In this case, she can earn significantly more Reward Points on travel and dining spends compared to regular spending categories. Over a year, these points can be redeemed for vouchers, products, or other rewards, helping her save money on future purchases.
This makes the Tiara Credit Card suitable for women who frequently travel or dine out.
Unlimited Domestic Airport Lounge Access
Frequent travelers can benefit from unlimited domestic airport lounge access offered by the Tiara Credit Card.
To qualify, cardholders need to spend ₹40,000 in the previous quarter. Once this condition is met, unlimited domestic lounge visits become available during the next quarter.
The spending requirement is reasonable for users who regularly use their credit card for shopping, bill payments, and daily expenses.
A special benefit is available for new cardholders. During the quarter in which the card is issued, the spending requirement is waived, allowing immediate access to domestic airport lounges.
However, the card does not provide international airport lounge access.
Quarterly Shopping and Lifestyle Savings
The Tiara Credit Card offers quarterly discounts on popular shopping and beauty brands. These discounts can add up to substantial savings over the year.
- ₹500 off on Myntra every quarter
- ₹500 off on Nykaa every quarter
- ₹500 off on Flipkart every quarter
- ₹250 off on BigBasket every quarter
- ₹1,500 off on Lakmē Salon every quarter
These offers are available exclusively for the primary cardholder.
How Much Can You Save Annually?
Many users focus only on Reward Points while choosing a credit card. However, direct discounts can sometimes provide even greater value.
| Brand | Quarterly Savings | Annual Savings |
|---|---|---|
| Myntra | ₹500 | ₹2,000 |
| Nykaa | ₹500 | ₹2,000 |
| Flipkart | ₹500 | ₹2,000 |
| Lakmē Salon | ₹1,500 | ₹6,000 |
| Total Savings | — | ₹12,000 |
Why Indian Women May Like This Credit Card
Many credit cards focus mainly on travel or cashback. The Tiara Credit Card takes a different approach by combining shopping, wellness, entertainment, and travel benefits.
Women who regularly shop online, visit salons, order food online, travel domestically, or prioritize fitness can benefit from multiple features of this card. Instead of relying on a single benefit category, the card provides value across different aspects of everyday life.
The combination of health benefits and lifestyle privileges also makes it stand out from many competing credit cards available in India.
Bank of Baroda Tiara Credit Card Review
The Tiara Credit Card comes with a joining fee of ₹2,499 + GST, which can be waived by meeting the required spending conditions. Considering the complimentary memberships, airport lounge access, quarterly shopping discounts, wellness benefits, and accelerated Reward Points, the card offers strong overall value.
If you are looking for a women's lifestyle credit card that rewards spending while providing travel, shopping, entertainment, and health benefits, the Tiara Credit Card is definitely worth considering. For regular users who maximize the available offers, the annual value received can easily exceed the card's fee, making it a rewarding option in the Indian credit card market.
Pros/Cons
Reality Check Feedback
What should you consider before applying for a credit card in India?
Key Considerations Before Applying for a Credit Card in India:
- Eligibility Criteria: Ensure you meet the eligibility requirements, which typically include age, income, credit score, and employment status as defined by the issuing bank or financial institution.
- Credit Score: A strong credit score can significantly improve your chances of approval and result in more favorable terms, such as lower interest rates or higher credit limits. Verify that your credit score is healthy before applying.
- Interest Rates and Fees: Compare the annual percentage rates (APR), processing fees, late payment penalties, and foreign transaction charges associated with various cards. These costs can vary widely and impact the overall value of the card.
- Rewards and Benefits: Evaluate the rewards, cashback, discounts, or other perks offered by the card to ensure they align with your spending patterns. Some cards may provide better benefits in specific categories, such as travel, shopping, or dining.
- Credit Limit: Review the credit limit offered by the card to ensure it meets your financial needs. Avoid applying for cards with excessive limits if you are concerned about managing debt, as this can lead to higher interest charges.
- Repayment Terms: Understand the repayment structure, including the minimum payment amount, payment due dates, and any associated penalties. Being clear about these terms can help you manage payments effectively and avoid interest buildup.
- Card Type and Features: Choose a card type that matches your specific needs—whether standard, premium, or specialized cards like those offering travel rewards or dining privileges. Ensure the features of the card align with your lifestyle and spending habits.
- Bank’s Reputation: Opt for a financial institution with a proven reputation for customer service and transparency. Consider researching customer reviews and assessing their support channels to ensure reliable service.
- Hidden Charges: Be aware of any hidden fees, including annual fees, balance transfer charges, foreign transaction fees, or cash withdrawal charges. These can add up over time and affect the overall cost-effectiveness of the card.
- Credit Utilization: Maintain a balance within your credit limit to avoid high credit utilization ratios, which can negatively impact your credit score. Responsible use of credit is essential for maintaining financial health.
- Long-Term Financial Plans: Consider how the credit card fits into your overall financial strategy. Avoid accumulating unnecessary debt and choose a card that supports your long-term financial goals without adding financial strain.
- Is there a joining or annual fee for the Bank of Baroda Tiara Credit Card?
Yes, the card comes with a ₹2,499 + GST joining and yearly fee. But if you spend ₹25,000 in the first 60 days, you don’t have to pay the joining fee. And if you spend ₹2.5 lakh in a year, the annual fee is also not charged.
- What’s the least income I need to get this card?
To be eligible, you must have an annual income of at least ₹7.2 lakh.
- How can I get complimentary airport lounge access?
To get unlimited access to domestic airport lounges, you must spend ₹40,000 in the previous quarter. This benefit will begin on 1st January 2025.
- What types of credit cards does the Bank of Baroda offer?
The Bank of Baroda provides a range of credit cards catering to different spending needs. You can check out the choices on their website.
- How can I apply for the Bank of Baroda Tiara Credit Card?
You can apply online by visiting the Bank of Baroda website, selecting the Tiara Credit Card, and submitting the required details and documents.
- Does Bank of Baroda charge any fees for its credit cards?
Yes, most Bank of Baroda credit cards have first-year and annual fees, which may change periodically. The first-year fee is a one-time charge, while the annual fee is paid yearly for renewal.
- What are the eligibility criteria for Bank of Baroda credit cards?
The eligibility requirements depend on the credit card type. You can check the specific criteria on the Bank of Baroda website.
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