BOBCARD Tiara

Joining fee

₹2,499 to join.

Annual fee

₹2,499 a year.

Fee waiver rule

Spend ₹25000 in the first 60 days and get your joining fee waived off***.

Add-on card fee

Up to 3 lifetime free add-on cards for your female family members - your mother, sister, or daughter (above age 18)

Welcome benefit

Complimentary 12-month FITPASS PRO membership as a welcome benefit.

Reward rate

3 Reward Points per ₹100 · everyday spends3 Reward Points for every ₹100 spent on other categories.

Fuel earning

No Reward Points are earned on fuel transactions.

Groceries earning

Supermarket and convenience store: Cardholder will not earn any Reward points.

Reward earning on dining spends

15 Reward Points per ₹100 spent on Dining, Travel, and International spends.

Reward earning on international spends

15 Reward Points per ₹100 spent on International spends.

Travel earning

15 Reward Points per ₹100 spent on Travel spends.

Reward exclusions

Reward program is not applicable on select MCCs and fuel

Reward caps

5X Rewards are capped at 5,000 Reward Points on the mentioned categories per statement cycle.

Cashback redemption

All your accumulated reward points can be redeemed for cashback (1 Reward Point = ₹0.25)

Point expiry

Reward points on Tiara Credit Card are evergreen.

Domestic lounge access

Unlimited complimentary domestic airport lounge access; you must have spent a minimum of ₹75,000 in the previous calendar quarter

Dining programme

Unlimited free deliveries on Food and Instamart orders with Swiggy One 3 Month Membership, once per annum.

Milestone benefits

Spend ₹2,50,000 in every card anniversary year and get your annual fee waived off

Movie or entertainment ticket benefit

Quarterly with BookMyShow, with Flat ₹250 on minimum purchase of 2 movie/non-movie tickets

Movies and entertainment

Complimentary Annual Memberships for Amazon Prime/ Jio Hotstar, Gaana Plus, and more (only for TIARA existing customers)

Minimum spend rules

Spend ₹25000 in the first 60 days and get your joining fee waived off; first year fee levied in the 3rd bill statement from the card issuance month if spends milestone criteria not met.

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).

Surcharge on railway tickets

1% fee (Subject to maximum ₹5000 per transaction) on railway bookings (MCC 4112) of ₹30,000 or higher

Air accident cover

Insurance facility is not available.

Purchase to EMI conversion

Convert purchase of more than ₹2,500 into Smart EMIs of 6 to 48 months.

Forex markup

2% on foreign currency transactions.2% of transaction amount

Cash advance fee

2.5% of the withdrawn amount or ₹500 whichever is higher.

Interest on unpaid balance

3.75% per month i.e. 45% per annum.

Interest-free period

20 to 50 days interest-free when you pay in full.

Late payment fee

Less than ₹100: NIL · ₹100 to ₹500: ₹100 · ₹501 to ₹1,000: ₹400 · ₹1,001 to ₹10,000: ₹750 · ₹10,001 to ₹25,000: ₹950 · ₹25,001 to ₹50,000: ₹1,100 · More than ₹50,000: ₹1,300.

Over-limit fee

2.5% of the amount over & above the sanctioned credit limit or ₹600, whichever is higher; overlimit upto 5% of credit limit

Payment return or dishonour fee

Cheque return charges 2% of the payment amount subject to min of ₹500

Statement or duplicate statement fee

₹25 per Bill

Card replacement fee

₹100 per card

Cash payment / cash deposit fee

Processing fee ₹250 for every cash payment.

Cheque payment / dishonour fee

Processing fee ₹100 for every cheque payment.

Education / school fee charge

1% fee (subject to maximum of ₹5000 per transaction) on online education fee payments via Third party payment apps - Cheq, CRED, Ease My Deal, Mobikwik, NoBroker, Paytm, Phonepe, SuperPe

Reward redemption fee

No Fee

Wallet load charge

1% processing fees on wallet loading transactions.

What the card's fee or benefit year means

Card Anniversary year is considered from the Card issuance date

Fuel transaction fee

1% processing fee per transaction on fuel transactions where transaction amount is ₹10,000 or higher.

Rent transaction fee

A fee of 1% of the total transaction amount on all rent payment transactions (Merchant Category Code or MCC 6513)

Utility transaction fee

1% (Maximum ₹3000 per transaction) processing fee on utility transactions (MCC 4900) where transaction amount is ₹50,000 or higher

GST note

GST 18% applicable on all fees, interest & other charges

Grace days after the due date

Grace period of 3 days is allowed from the payment due date on credit card accounts, where payments are not overdue from previous billing cycle (s)

Minimum amount due

100% of (all Fees/Charges + Finance Charges + GST + EMI amount) + 2% of (Retail Spends + Cash Advance), or ₹200 whichever is higher

Eligibility

Exclusively designed for women; male applicants are not eligible for this card

Minimum age

Minimum 25 years and Maximum 55 years

Documents required

Identity proof: PAN (Mandatory), recent passport size photograph · Address proof: Passport, Driving licence, Aadhaar Card (as issued by UIDAI), Voter's Identity Card issued by the Election Commission of India, Job card · Income proof (salaried): Bank Statement reflecting salary credit for last 2 months.

Residency

Indian Resident