Bank of Baroda Tiara Credit Card
BOB · VISA★ 4.0/ 5
✓ Details last verified 1 Jan 2026
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Key features
What this card is built to do — the highlights that actually matter.
1% on Other
1% base value on other spends
Annual Fee Waiver
Fee of ₹2,499/yr fully waived when you spend ₹2,50,000/year
👑 PREMIUM LIFESTYLE BENEFITS
Concierge, golf, hotel membership and high-value perks for premium cardholders.
BOB Tiara is Bank of Baroda's premium lifestyle card — strong reward earn on dining, travel, and everyday spends with lounge access and an annual fee waived on ₹2.5L annual spend.
Who is this for?
For BOB premium relationship customers who want lifestyle card benefits and are comfortable spending ₹25,000–50,000/month to offset the ₹2,499 annual fee via the waiver.
At a glance
Full reward structure
What you earn on every rupee, per spend category. Rates assume 1 pt = ₹0.25. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Other | reward points | 1% | — |
Other: 1% base value on other spends
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying.
Should you get it?
- Best for: Bank of Baroda premium relationship customer, Mid-level manager or business owner banking with BOB, Step-up from BOB Eterna or Premier, ₹50,000+/month spender in BOB relationship
- Premium tier — a solid all-rounder for steady monthly spend.
- Strongest value if you spend heavily on Other (1% back).
Pros
- Strong reward earn on dining, travel, and lifestyle spends
- Lounge access for domestic travel within the Bank of Baroda ecosystem
- Attractive annual fee structure for BOB relationship customers
- 0 joining fee — accessible entry to the premium tier
Cons
- BOB's rewards ecosystem less mature than HDFC/ICICI/Axis
- ₹2,499 annual fee — competitive but the redemption catalogue trails larger banks
- Limited co-brand partnerships compared to private sector banks
- BOB credit card acceptance may lag in rural areas
Eligibility & documents
What your bob reward points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Standard redemption
The concern
At this fee the private banks offer materially stronger perk stacks — Tiara competes on relationship convenience, not value.
Bottomline
CardAdvisor Rating: 4.0 / 5Tiara rounds out BOB's ladder with lounge access and lifestyle earn at ₹2,499. Adequate for loyal BOB premium customers; not a reason to become one.
SOURCES & VERIFICATION
Fees, reward rates, and benefits for the Bank of Baroda Tiara Credit Card are taken from BOB's official Most Important Terms & Conditions (MITC) and fee schedule — see the issuer's official page. Last verified 1 Jan 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
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