What is the annual fee of the Bank of Baroda BOBCARD Tiara?

Rs 2,499 a year, before GST. It is waived if you spend Rs 2,50,000 in a year.

Does the Bank of Baroda BOBCARD Tiara give airport lounge access?

Yes. In India: Unlimited domestic airport lounge access. Outside India: none listed. Conditions: From 1 Jan 2025, requires minimum spend of Rs 40,000 in the preceding calendar quarter

What is the forex markup on the Bank of Baroda BOBCARD Tiara?

2% of each foreign-currency transaction, before GST.

Which spends earn no rewards on the Bank of Baroda BOBCARD Tiara?

Fuel and 'select MCCs' earn no points (the MCC list is not on the product page). UPI spends earn core points only, no accelerated or bonus points.

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Bank of Baroda BOBCARD Tiara

Bank of BarodaLast checked 31 Oct 2026

The Bank of Baroda BOBCARD Tiara costs Rs 2,499 a year, waived if you spend Rs 2,50,000 in a year. Its base return is 0.75% (3 RP per Rs 100). Accelerated earn: 15 RP per Rs 100 (5X) on dining, travel and international spends. The forex markup is 2%. Lounge visits in India: Unlimited domestic airport lounge access. Read from the issuer's own documents on 31 Oct 2026.

Bank of Baroda BOBCARD Tiara card design — Card design: bobcard.co.in

Annual fee: Rs 2,499+ GST
Fee waived at: Rs 2,50,000annual spend
Base return: 0.75%
Forex markup: 2%
Interest: 3.25%a month

Apply on bobcard.co.inOpens the bank’s own page.

Fees

Joining fee	Rs 2,499
Annual fee	Rs 2,499
Annual spend that waives the fee	Rs 2,50,000
Fee notes	Joining fee Rs 2,499 waived on Rs 25,000 spend in first 60 days. Annual fee Rs 2,499 waived on Rs 2.5 lakh spend in the anniversary year. GST not reversed.

Rewards

Reward currency	BOBCARD Reward Points
Base earn	3 RP per Rs 100
Base return	0.75%
Point value	1 Reward Point = Rs 0.25 as cashback
Accelerated earn	15 RP per Rs 100 (5X) on dining, travel and international spends
Caps	5X earn capped at 5,000 RP per statement cycle; rewards on credit card on UPI capped at Rs 500 per statement cycle (1 RP = Rs 0.25)
Spends that earn nothing	Fuel and 'select MCCs' earn no points (the MCC list is not on the product page). UPI spends earn core points only, no accelerated or bonus points.
Points expiry	No fixed expiry period published; points lapse if the card is unused for more than 365 days or on closure/delinquency (MITC)
Milestone benefits	Quarterly vouchers for primary cardholder: Myntra Rs 500, Nykaa Rs 500, Flipkart Rs 500, Lakme Salon Rs 1,500, BookMyShow Rs 250 (spend conditions for the vouchers are behind customer login)
Reward notes	base_return_pct = 3 RP x Rs 0.25 / Rs 100 = 0.75%; accelerated categories return 3.75% until the cap.

Travel and perks

Domestic lounge	Unlimited domestic airport lounge access
Lounge conditions	From 1 Jan 2025, requires minimum spend of Rs 40,000 in the preceding calendar quarter
Forex markup	2%
Fuel surcharge waiver	1% waiver on fuel transactions of Rs 400-5,000, cap Rs 250 per statement cycle; GST not reversed; waived fuel transactions earn no points
Other freebies	FITPASS Pro 12 months; annual Prime Video and Gaana Plus memberships; Swiggy One 3 months once a year; women's health check package and women-centric insurance pack

Charges and eligibility

Interest per month	3.25%
Late payment fee	Statement balance below Rs 100: Nil; Rs 100-500: Rs 100; Rs 501-1,000: Rs 400; Rs 1,001-10,000: Rs 750; Rs 10,001-25,000: Rs 950; Rs 25,001-50,000: Rs 1,100; above Rs 50,000: Rs 1,300
Cash advance fee	2.5% of amount or Rs 500, whichever is higher
Eligibility	Women only. Indian resident, age 25-55 (another page says salaried 21-60, self-employed 21-65), minimum annual income Rs 7.2 lakh
Fine-print notes	MITC (ver 2.0, Apr 2026) surcharges that eat into returns: rent (MCC 6513) 1%; wallet loads 1%; utility payments of Rs 50,000+ 1% (max Rs 3,000); fuel transactions of Rs 10,000+ 1%; online education payments via listed apps 1% (max Rs 5,000); toll/bus of Rs 5,000+ 1%; railway bookings of Rs 30,000+ 1%. Over-limit fee 2.5% or Rs 600. Points lapse if the card is unused for more than 365 days, on closure, or if dues stay unpaid over 90 days. Redemption only through the BOBCARD portal or app. Card issued by BOBCARD Ltd, a Bank of Baroda subsidiary. Add-on cards carry no fee. Voucher and membership benefits are for primary cardholders; thresholds to unlock quarterly vouchers are not shown on the public page.

Questions

What is the annual fee of the Bank of Baroda BOBCARD Tiara?: Rs 2,499 a year, before GST. It is waived if you spend Rs 2,50,000 in a year.
Does the Bank of Baroda BOBCARD Tiara give airport lounge access?: Yes. In India: Unlimited domestic airport lounge access. Outside India: none listed. Conditions: From 1 Jan 2025, requires minimum spend of Rs 40,000 in the preceding calendar quarter
What is the forex markup on the Bank of Baroda BOBCARD Tiara?: 2% of each foreign-currency transaction, before GST.
Which spends earn no rewards on the Bank of Baroda BOBCARD Tiara?: Fuel and 'select MCCs' earn no points (the MCC list is not on the product page). UPI spends earn core points only, no accelerated or bonus points.