BOB

BOBCARD Tiara Credit Card

Good for frequent travelers with unlimited lounge access.

BOBCARD VISA

Tiara

Should you get this?

Strong fit

Some details need issuer confirmation

Why this card

Unlimited lounge access is a clear travel strength.
Forex markup is low at 2%.
You use airport lounges often.

Issuer evidence · 3 sources →

Trade-off

The annual fee (₹2,499) is waived only when eligible annual spend reaches ₹2,50,000.

Annual fee ₹2,499 per year

Rewards 3 pts / ₹100

Lounge access ∞ unlimited domestic · ₹75,000 spend in the previous calendar quarter

Forex markup 2% low

Compare with BOBCARD Eterna →

Similar lounge profile

Rewards

Earning rules

Detail · from the summary above

General spend3 pts / ₹100Credited as reward pointsNot stated

How to avoid the annual fee

Spend threshold for waiver

₹2.5L or more yearly eligible spend to waive the annual fee

Annual fee is ₹2,499. The issuer doesn't publish a documented cash value for its reward points, so a reliable rewards break-even estimate can't be shown.

Reward reality — the earning-rate detail behind the numbers above

Reward reality

Conclusion · what you actually get

Eligible spend

3 points per ₹100 on eligible spend

Point value

Not published by issuer — varies by redemption

Realisation

Credited as reward points

Reported reward terms

Evidence · not used in rates or comparisons

Reported category terms

Dining: 15 points per ₹100Domestic & international

Reported by secondary sources · verify with issuer1 other source

Evidence only · excluded from decisions

Costs & fees

Spending requirements

Spend gates · caps · milestone thresholds

Annual fee waiver₹2,50,000yearAnnual fee waiver

Domestic lounge spend gate₹75,000quarterLounge eligibility

Estimated usage

Example usage at this monthly spend

₹

At this monthly spend, you'd earn: Up to ~1,500 pts/month if the entire spend qualifies for base earn · uses base/general earn rate. Excluded transactions earn less.
We can estimate the points earned, but not a verified ₹ value yet.
Fee waiver achievable at this spend
Forex cost ~₹1,000 per ₹50k international spend

Illustrative only, using current base rates and snapshot data.

Benefits & charges

Side-by-side facts

Benefits

Lounge Access

Domestic (cardholder): Unlimited — via BOBCARD lounge programme · verified 17 Aug 2026 Condition: ₹75,000 spend in the previous calendar quarter (unlocks the following quarter) · Unlimited domestic lounge upon ₹75,000 spend in the preceding calendar quarter from 15-Jul-2026; prior gate was ₹40,000 through 14-Jul-2026.
International (cardholder): No international lounge entitlement documented by the issuer Absence of an international claim is not proof of exclusion. Confirm with the issuer or network programme.

Issuer documented · corroborating sources · verify issuer terms before applying

Where to verify

CardInsider
PaisaBazaar
Issuer site (verified manually)
Operator-verified anchor

Rewards

Points per ₹100: 3 points per ₹100 value depends on redemption

Fees & charges

Fees

Monthly interest rate: 3.75% / month
Annual fee: ₹2,499
Joining fee: ₹2,499 · verified 7 Jul 2026
Fee waiver spend: ₹2,50,000 or more · verified 7 Jul 2026 Annual fee waived on eligible anniversary-year spend of ₹2,50,000 or more.
Interest-free period: Up to 50 days · verified 7 Jul 2026

International Use

Forex markup: 2%

Issuer documented · corroborating sources · verify issuer terms before applying

Where to verify

CardInsider
PaisaBazaar
Operator-verified anchor
Product tier: Mid-tier