BOBCARD Tiara

Lounge access

• Unlimited complimentary domestic airport lounge visits, subject to minimum net spends of ₹40,000 in the preceding calendar quarter.
• Card must be validated by swiping a nominal transaction of ₹2 to access a participating lounge.
• Cooling period of 5 hours between lounge visits.

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Charge

• Contactless transactions: No PIN required for a single transaction of less than ₹5000.
• For transactions above ₹5000, credit card PIN entry is required.
• Contactless payment allowed up to a maximum of ₹5000 per single transaction in India.
• This limit is common for all customers and cannot be individually set.

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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).
• No Reward Points are earned on fuel transactions.

Verified · Tiara product page · 2026-08-02 · source

Milestone benefit

• Joining fee reversal: Spend ₹25,000 in the first 60 days and get the joining fee waived off.
• (Applicable only to non-delinquent cardholders.).

Verified · Tiara product page · 2026-08-02 · source

Redemption value

• TWID Pay with Rewards: 1 RP = 15 Paisa.
• Minimum 500 reward points required to initiate redemption.
• Up to 25% of the total invoice amount can be redeemed.
• Minimum 1000 Reward Points required for redemption against Card statement.
• Reward Points on Tiara are evergreen and do not lapse (except points carried forward from an earlier card on upgrade, which lapse on their original validity).

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Reward cap

• Accelerated Reward Points on Tiara capped at 5000 Reward Points per statement cycle.
• Further spends in that cycle on such categories earn at the regular earn rate.

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Reward exclusion

• Transactions below ₹100 earn no Reward Points.
• Fuel transactions do not earn reward points (except HPCL Energie).
• Spends on special MCCs in Annexure 1 do not qualify for core/accelerated points.
• Credit Card on UPI transactions and Utility transactions (MCC 4900) are not eligible for Accelerated Reward Points.

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Hotel benefit

• BOBCARD SmartDeal: Tiara earns 30 points for every ₹100 on Hotel Booking via SmartDeal (extra 10X rewards).
• Posted within 48 hours of hotel journey fulfilment.

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Travel benefit

• BOBCARD SmartDeal: Tiara earns 12 points for every ₹100 on Flight Booking via SmartDeal (extra 4X rewards).
• Extra reward points posted within 48 hours of flight journey fulfilment date.

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Insurance

• Complimentary Women's Health Package for existing Tiara customers via SRL/Agilus Diagnostics, redeemable with RuPay BOBCARD TIARA: Women Health Mammogram (Mammogram/Sono-Mammogram) and Women Health & Pap Smear Package (CBC, ESR, FBS, Lipid profile, Creatinine, SGPT, Serum Calcium, T3/T4/TSH, PAP Smear).
• Service expires if not utilised within one month from date of redemption.

Verified · harvested from product page · 2026-08-02 · source

Official terms

https://www.bobcard.co.in/credit-card-types/tiara.

Verified · Tiara product page · 2026-08-02 · source