BOBCARD Tiara
BOBCARD
Annual / renewal fee
₹2,499 (waived on spends of ₹2,50,000 in an anniversary year).
VerifiedTiara (fleet document) — governing document (side-door search)14 Aug 2026, 10:08 PM ISTBOBCARD
Earn rate
- Core: 3 RP per ₹100 on general spends.
- Accelerated for Tiara: International (flag), Dining (5812), Travel (4722) at boosted rate, capped at 5000 Reward Points per statement cycle.
- SmartDeal: Flight 12 points per ₹100, Hotel 30 points per ₹100.
Verifiedharvested from product page3 Aug 2026, 3:35 AM ISTBOBCARD
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You'll land on the issuer's official application portal at bobcard.co.in — if a different card is shown first, use its card selector to pick this one.
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at bobcard.co.in — if a different card is shown first, use its card selector to pick this one.
Overview
Tiara by BOBCARD. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
₹2,499.
VerifiedTiara (fleet document) — governing document (side-door search)14 Aug 2026, 10:08 PM ISTBOBCARD
Annual / renewal fee
₹2,499 (waived on spends of ₹2,50,000 in an anniversary year).
VerifiedTiara (fleet document) — governing document (side-door search)14 Aug 2026, 10:08 PM ISTBOBCARD
Fee waiver
- Annual fee reversal: Spend ₹2,50,000 in every card anniversary year and get the annual fee waived off.
- First year fee waiver and annual fee reversal applicable only to non-delinquent cardholders.
VerifiedTiara product page3 Aug 2026, 3:35 AM ISTBOBCARD
Rewards
- Core: 3 RP per ₹100 on general spends.
- Accelerated for Tiara: International (flag), Dining (5812), Travel (4722) at boosted rate, capped at 5000 Reward Points per statement cycle.
- SmartDeal: Flight 12 points per ₹100, Hotel 30 points per ₹100.
Verifiedharvested from product page3 Aug 2026, 3:35 AM IST
Redemption value
- TWID Pay with Rewards: 1 RP = 15 Paisa.
- Minimum 500 reward points required to initiate redemption.
- Up to 25% of the total invoice amount can be redeemed.
- Minimum 1000 Reward Points required for redemption against Card statement.
- Reward Points on Tiara are evergreen and do not lapse (except points carried forward from an earlier card on upgrade, which lapse on their original validity).
Verifiedharvested from product page3 Aug 2026, 3:35 AM ISTBOBCARD
Reward cap
- Accelerated Reward Points on Tiara capped at 5000 Reward Points per statement cycle.
- Further spends in that cycle on such categories earn at the regular earn rate.
Verifiedharvested from product page3 Aug 2026, 3:35 AM ISTBOBCARD
Reward exclusion
- Transactions below ₹100 earn no Reward Points.
- Fuel transactions do not earn reward points (except HPCL Energie).
- Spends on special MCCs in Annexure 1 do not qualify for core/accelerated points.
- Credit Card on UPI transactions and Utility transactions (MCC 4900) are not eligible for Accelerated Reward Points.
Verifiedharvested from product page3 Aug 2026, 3:35 AM ISTBOBCARD
Travel & lounge
Lounge access
- Unlimited complimentary domestic airport lounge visits, subject to minimum net spends of ₹40,000 in the preceding calendar quarter.
- Card must be validated by swiping a nominal transaction of ₹2 to access a participating lounge.
- Cooling period of 5 hours between lounge visits.
Verifiedharvested from product page3 Aug 2026, 3:35 AM ISTBOBCARD
Hotel benefit
- BOBCARD SmartDeal: Tiara earns 30 points for every ₹100 on Hotel Booking via SmartDeal (extra 10X rewards).
- Posted within 48 hours of hotel journey fulfilment.
Verifiedharvested from product page3 Aug 2026, 3:35 AM ISTBOBCARD
Travel benefit
- BOBCARD SmartDeal: Tiara earns 12 points for every ₹100 on Flight Booking via SmartDeal (extra 4X rewards).
- Extra reward points posted within 48 hours of flight journey fulfilment date.
Verifiedharvested from product page3 Aug 2026, 3:35 AM ISTBOBCARD
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
Confirm on the official page
Official source not yet captured
Insurance
- Complimentary Women's Health Package for existing Tiara customers via SRL/Agilus Diagnostics, redeemable with RuPay BOBCARD TIARA: Women Health Mammogram (Mammogram/Sono-Mammogram) and Women Health & Pap Smear Package (CBC, ESR, FBS, Lipid profile, Creatinine, SGPT, Serum Calcium, T3/T4/TSH, PAP Smear).
- Service expires if not utilised within one month from date of redemption.
Verifiedharvested from product page3 Aug 2026, 3:35 AM ISTBOBCARD
Milestone benefit
- Joining fee reversal: Spend ₹25,000 in the first 60 days and get the joining fee waived off.
- (Applicable only to non-delinquent cardholders.).
VerifiedTiara product page3 Aug 2026, 3:35 AM ISTBOBCARD
Eligibility
Not published in the official documents on file — see the official T&C link below.
Charges & interest
Forex markup
2% of transaction amount.
VerifiedTiara (fleet document) — governing document (side-door search)14 Aug 2026, 10:08 PM ISTBOBCARD
Charge
- Contactless transactions: No PIN required for a single transaction of less than ₹5000.
- For transactions above ₹5000, credit card PIN entry is required.
- Contactless payment allowed up to a maximum of ₹5000 per single transaction in India.
- This limit is common for all customers and cannot be individually set.
Verifiedharvested from product page3 Aug 2026, 3:35 AM ISTBOBCARD
Fuel surcharge waiver
- 1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹5,000 (Max. ₹250 per statement cycle).
- No Reward Points are earned on fuel transactions.
VerifiedTiara product page3 Aug 2026, 3:35 AM ISTBOBCARD
Interest-free period
20 to 50 days (in case there is no previous outstanding).
VerifiedTiara (fleet document) — governing document (side-door search)14 Aug 2026, 10:08 PM ISTBOBCARD
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the Tiara?
Officially traced: Rs. 2,499 (waived on spends of Rs. 2,50,000 in an anniversary year).
Tiara (fleet document) — governing document (side-door search)What is the joining fee on the Tiara?
Officially traced: Rs. 2,499.
Tiara (fleet document) — governing document (side-door search)Is the Tiara annual fee ever waived?
Annual fee reversal: Spend Rs. 2,50,000 in every card anniversary year and get the annual fee waived off.
Tiara product pageHow does the Tiara earn rewards?
Core: 3 RP per Rs. 100 on general spends.
harvested from product pageWhat lounge access does the Tiara include?
Unlimited complimentary domestic airport lounge visits, subject to minimum net spends of Rs. 40,000 in the preceding calendar quarter.
harvested from product pageWhat are the transfer ratios for Tiara points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.bobcard.co.in/credit-card-types/tiara.
VerifiedTiara product page3 Aug 2026, 3:35 AM ISTBOBCARD
Verified 2026-08-14 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.
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