Bank of Baroda Tiara Credit Card: Fees, Rewards & Benefits
Travel card
We may earn a commission if you apply through this link. It never affects our ratings.
A women-oriented premium card whose value is loaded into Rs.3,500 quarterly vouchers, FITPASS, a women's health package and bundled OTT memberships, backed by 5x dining/travel earn and a low 2% forex markup. It pays for itself through perks if you use the memberships and reach the spend conditions.
Travel card
The Bottom Line
The Bank of Baroda Tiara is built for women-focused lifestyle spender and dining and travel spender. With a ₹2,499 annual fee that is waived on ₹2,50,000 yearly spend, it offers 3.75% rewards on dining and quarterly brand vouchers. It makes the most sense if your spending matches women-focused lifestyle spender and dining and travel spender.
It earns a base reward rate of 0.75% and stacks best when your spending lines up with Women-focused lifestyle spender, Dining and travel spender. The renewal fee gets easier to justify once you can hit ₹2,50,000 in yearly spend.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealUsers who value the women's health package, Rs.3,500 quarterly vouchers, FITPASS and OTT memberships that easily offset the Rs.2,499 fee.
Those with regular dining, travel and international spends who can fill the 5,000-point monthly cap at ~3.75%.
Probably not for
SkipThose who cannot use the bundled memberships or hit Rs.40,000 quarterly spend for lounges will not justify the Rs.2,499 fee.
The ~0.75% base earn and capped bonus mean the card's value is in perks, not raw points.
Is It Worth It For You?
Slide to your typical monthly card spend. We'll do the rest.
Calculate Your Value
Adjust your typical monthly spend by category.
Spend ₹2,50,000 more to waive annual fee
Sign in for personalized estimates based on your actual spending
Reward Rates
Bank of Baroda Tiara offers 0.75% basic reward rate.
Quick Calculator
Estimate earnings for a specific purchase
Welcome Offer
Joining fee (Rs. 2,499 + GST) reversal on spending Rs. 25,000 within the first 60 days of card issuance. Complimentary annual memberships: Amazon Prime, Disney+ Hotstar/JioHotstar, Gaana Plus; a 3-month Swiggy One subscription; and a 6-month FITPASS Pro membership worth Rs. 15,000.
Milestone Benefits
Annual fee (Rs. 2,499 + GST) waiver on spending Rs. 2,50,000 in the card anniversary year.
Unlimited complimentary domestic airport lounge access in a quarter is unlocked on spending Rs. 40,000 in the preceding quarter.
Fees & Charges
Eligibility
- Min Income: ₹7.2 Lakhs
- Min Credit Score: 700
- Women-only card; age 21-60 salaried or 21-65 self-employed; min annual income ₹7.2L; RuPay; annual fee waived on ₹2.5L annual spend.
Exclusions & Terms
Forex markup
- Foreign currency markup
Select excluded MCCs
- Select Merchant Category Codes are excluded from the Reward Points program per the MITC.
Frequently Asked Questions
2 data-backed answers from our card database
Ready to apply?
₹2,499 annual fee. Apply on the Bank of Baroda website.
Apply on Bank of Baroda →We may earn a commission if you apply through this link. It never affects our ratings.
Explore more on Vyaya
Bank comparisons
Guides & best picks
Browse by category