BOBCARD Tiara Credit Card: Comprehensive Review of Features, Benefits and Rewards

In the modern day, fiercely competitive financial world, credit cards have become powerful financial assets, providing countless advantages such as cashback, rewards, discounts and so on. In the sea of credit cards on offer, the BOBCARD Tiara Credit Card by Bank of Baroda stands out with exceptional benefits for improving the customer experience. Whether you want everyday rewards, the ability to earn points on travel and more, or even access to dining offers not available to everyone, this card delivers.

In this exhaustive post, we will help you understand the features, advantages, rewards and everything else you should know about the BOBCARD Tiara Credit Card. If you want to level up your arsenal of financial tools with the card that looks good, is convenient, and offers rewards this card might be a great fit for you!

BOBCARD Tiara Credit Card Summary

Even though most of the bank products are designed for utility we cannot ignore the special category for women.

BOBCARD Tiara Credit Card Review

One of the country’s most progressive public sector banks, the Bank of Baroda (BoB), has put out its premium offering in the form of the BOBCARD Tiara Credit Card. Aimed at those who like to shop, eat out and travel, the card offers a range of perks that cover both everyday spends and spoiling purchases. Considering the sexy reward programmes, cashback opportunities, and lifestyle benefits associated with this credit card, that’s hardly surprising!

Highlights of the BOBCARD Tiara Credit Card

BOBCARD Tiara is featured so prominently because of the raft of features that grant the possibility of accruing reward points, offering a slew of benefits to enhance the user’s lifestyle, and, ultimately, keeping a tab on their expenses. Here are a few of the card’s highlights:

Annual Fee:

The BOBCARD Tiara Credit Card annual fee is ₹499+taxes (per annum). This is a fair price for the suite of benefits provided with the card.

Joining Fee:

They charge you the same joining fee as the annual one—₹499 plus taxes. This charge enables users to get the card activated and unlock the perks that go with it.

Reward Points System:

10X Reward Points on spends on the Bank of Baroda shopping and dining network.
2X Reward Points on all other retail and online purchases*.
1 Reward Point for every ₹100 on non-category spends.

Redeem Rewards:

They offer redemption of points for merchandise, gift cards, and more.

Cashback on Utility Bills:

The fact that users can get cashback on utility bill payments is a neat feature for anyone who already pays for services (like electricity, gas and mobile bills) via their credit card.

Fuel Surcharge Waiver:

The card also comes with 1% Fuel Surcharge Waiver on all petrol pump fuel purchases anywhere in India and is a good option for sustenance of those who travel a lot and fill their vehicle often.

EMI Conversion:

The EMI feature provides holders the option to convert high-ticket purchases to easy monthly installments at attractive interest rates.

Key Benefits of the BOBCARD Tiara Credit Card

So with the high level overview out of the way, here are the top benefits that the BOBCARD Tiara Credit Card offers which makes it appealing to consumers.

Reward Points System

BOBCARD Tiara Credit Card Eligibility One of the main reasons to consider the BOBCARD Tiara Credit Card is the rewards points. You’ll gain reward points with every purchase you make with this card, and you can use those to get all sorts of stuff. Here’s how the system works:

10X Reward Points on all spends done on Bank of Baroda partner outlets. That extends to shops and e-commerce sites working in conjunction with the bank. Whether you’re purchasing electronics, clothes or groceries, you’ll earn 10 times as many reward points on your purchase. This is particularly useful to people who are regular shoppers at these outlets or online platforms.

2X Reward Points on all other retail and online shopping. That makes the card even more lucrative for spending at non-partner locations (though if the non-partner isn’t a Chase location, you have to look at your rewards twice before you can enjoy them).

Reward Point per ₹100 on all other category spends. Even if you do still want to use it for everything, the 10X and 2X reward rates are great and 0.5% or 1% isn’t shabby for just daily spend.

The cardholders can redeem these reward points for gift vouchers, in-store shopping, fine dining, or picking up items from a rewards catalogue. The payout formula of the points system means you earn more out of your investment, when shopping or eating out.

Lifestyle and Dining Privileges

The BOBCARD Tiara Credit Card provides a host of lifestyle advantages to diverse interest groups. Here are some of the best perks you get with this card:

Dining Benefit:

The card offers special dining deals on all partner restaurants, cafes, and fine-dining restaurants in the country. Take part in deals and promotions from the finest restaurants as you indulge in a laid-back meal or splash out on a fancy dining experience.

Travel and Leisure Benefits:

BOBCARD Tiara includes exclusive travel and hotel booking offers along with special privileges on leisure activities. This is ideal for those who travel, as it gives plenty of opportunity to use it and save on flights, hotels and experiences at destination.

Exclusive Member Offers:

Members have access to a range of exclusive offers and deals suited to their lifestyle. It also includes savings on shopping, leisure and lifestyle experiences.

Fuel Surcharge Waiver

The 1% Fuel Surcharge Waiver is a great bonus for those of you who use the car often to commute. The waiver will be applicable on any petrol pump in India for fuel purchases. At today’s ever climbing gas prices this waiver can save tons of money every time you fill up your tank.

EMI Conversion Facility

Big spending in one go can be tough for many to handle. Through the EMI conversion facility, you can convert big spends into easy EMIs. The product also includes an attractive interest structure, allowing cardholders to take far more control of their finances without having to give up their necessities.

Additional Credit Protection

The BOBCARD Tiara Credit Card offers purchase protection as well as fraud liability cover so you are protected for lost or damaged merchandise. Also, the card guards you against unauthorized use of the card as an additional security feature.

No Cap on Reward Points

Whereas, there are some other credit cards which have a limit on the number of reward points that you can earn, the BOBCARD Tiara Credit Card doesn’t have any cap on the reward points. This is great if you use the card often to make purchases because it means you can earn loads of rewards while giving you a lot of freedom in the ways you redeem your points for items or services.

Eligibility of BOBCARD Tiara Credit Card

The BOBCARD Tiara Credit Card is tailor-made for those who qualify. Applying for the card You need to fulfill the following requirements to be eligible for this card:

Age:

Age of the applicant has to be between 21 to 60 years.

Salary:

There’s often a requirement for a certain level of monthly salary (its value depends on where you are). The general rule is you need to have a stable earning of ₹20,000 and above on a monthly basis to apply for a credit card.

Credit Score:

You should have a good credit score to get approval for the card. 750 or higher are generally ideal.

This is to make sure the card is being issued to people with a good financial history and that they are responsible borrowers.

How Does BOBCARD Tiara Compare to Other Premium Credit Cards?

The unique set of benefits the BOBCARD Tiara Credit Card offers, such as a rewarding rewards program, dining benefits, fuel surcharge waiver and lifestyle benefits, makes it a hit among customers in the market. On the other hand, in terms of rewards and lifestyle benefits for the given yearly fee of ₹499, against other premium cards, Amex is offering a similar trade-off in this card.

If we compare with the other premium credit cards available in the market i.e., HDFC, SBI, ICICI Bank, BOBCARD Tiara Credit Card has lower fee structure which can be affordable by the customers. Also, there’s no cap on reward points meaning that customers can earn unlimited points on their purchases – not something you’ll find with all competing cards.

Last to Say on BOBCARD Tiara Credit Card

BOBCARD Tiara Credit Card is an all-rounder credit card with an ideal mix of Benefits for Rewards, Lifestyle and Convenience to enhance your life. Regardless of whether or not you spend a lot of time shopping, love dining out, or are always on the move, this card has you covered when it comes to perks that will enhance your financial routine.

BOBCARD Tiara Credit Card (Lifestyle)

The BOBCARD Tiara Credit Card is the perfect plastic for lavish spenders who do not want to directly deal with the hefty charges associated with a premium credit card.

If you feel that flexibility, rewards, and being able to make all type of purchases with the card at any time are things that you look for in a card, then the BOBCARD Tiara Credit Card would make for a great choice. Apply now, and begin making use of the rewards and benefits of your new card!