Is the Bank of Baroda Tiara Credit Card Worth It?
Enter what you spend where this card pays more, and the benefits you would use. See what it is worth to you in rupees, after its fee.
- 207Cards to check
- FreeCost
- Dining card
- Needs ₹60,000 a month income
- ₹2,949 fee a year (with GST)
- Fee waived from ₹20,833 a month
- 0.75% base, up to 3.75% on dining
- Unlimited lounge visits
- Pays in reward points
- dining: 3.75% back, up to ₹1,250 a month
- travel: 3.75% back, up to ₹1,250 a month
- spending ₹20,833 or more a month: the ₹2,949 fee is waived
- frequent flyers: unlimited airport lounge visits
- spending abroad: 2% markup, most cards add 3.5%
- you spend less than ₹20,833 a month (₹2,50,000 a year, rent and wallet loads not counted): the ₹2,949 fee is then charged
- most of your spending is fuel: those earn nothing on this card
- you spend a lot on government payments: the card's terms do not state a rate there, so we count nothing
- you rarely spend on dining, travel or foreign spends: the 3.75% rate applies only there, everything else earns 0.75%
- you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
Your spend a month, by kind
Terms on the normal rate: 3 reward points per ₹100 on all other eligible spends; UPI spends earn core points only, capped at ₹500 (2,000 RP) per statement cycle
Also earns nothing on: Select MCCs.
Total on the card: ₹0 a month
Abroad and benefits
Every rate on this card, and what your spend earns
| Spend category | Rate | Monthly cap | Where it applies | Your spend earns |
|---|---|---|---|---|
| UPI payments (scan and pay) | 0.75% | No cap | The card's normal rate | - |
| Online shopping | 0.75% | No cap | The card's normal rate | - |
| Dining and food delivery | 3.75% | ₹1,250, shared with other bonus rates | All merchants in the categoryTerms: 15 reward points per ₹100 (5X, ~3.75%), part of the SHARED 5,000-point (~₹1,250) per-cycle cap across dining/travel/international | - |
| Groceries | 0.75% | No cap | The card's normal rate | - |
| Travel: flights, hotels, trains | 3.75% | ₹1,250, shared with other bonus rates | All merchants in the categoryTerms: 15 reward points per ₹100 (5X, ~3.75%), part of the SHARED 5,000-point (~₹1,250) per-cycle cap across dining/travel/international | - |
| Fuel | Earns nothing | - | earns nothing on this card | - |
| Bills and recharges | 0.75% | No cap | The card's normal rate | - |
| Rent | 0.75% | No cap | The card's normal rate | - |
| Insurance premiums | 0.75% | No cap | The card's normal rate | - |
| School and college fees | 0.75% | No cap | The card's normal rate | - |
| Wallet top-ups | 0.75% | No cap | The card's normal rate | - |
| Taxes and government payments | Not stated | - | the card's terms state no rate here; many cards pay nothing on these | - |
| Spend abroad or in a foreign currency | 3.75% | ₹1,250, shared with other bonus rates | All merchants in the categoryTerms: 15 reward points per ₹100 (5X, ~3.75%), part of the SHARED 5,000-point (~₹1,250) per-cycle cap across dining/travel/international | - |
| Everything else | 0.75% | No cap | The card's normal rate | - |
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Common Questions
When is a credit card worth its annual fee?
When the rewards you actually earn in a year are more than the fee plus 18% GST, or when you spend enough for the bank to waive the fee. This calculator works out both from the card's own published terms.
Why is GST added to the fee?
Card fees carry 18% GST, so a ₹1,000 fee costs ₹1,180. Where the bank already quotes the fee with GST, it is not added twice.
What does 'capped' mean?
Many cards limit the reward you can earn in a month in a category. Spending above the cap earns nothing extra, so the calculator stops counting there.
Is a lifetime free card always better?
Not always. A paid card with higher rewards can leave you with more once you spend enough. The break-even line shows the monthly spend where that starts.
Guides in Plain Words
Short reads that explain how it works before you decide.
- GuidesBest Credit Cards Under ₹1,000 a Year in India (2026)Credit cards with an annual fee of ₹1,000 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
Credit CardsTata Neu HDFC Credit Card: Claim Your NeuCoins from 25 November 2026From 25 November 2026, NeuCoins earned on a Tata Neu HDFC Bank credit card no longer reach your Tata Neu account by themselves. You claim them in the Tata Neu App within 12 months, or they expire. Here is what changes, how to claim, and the dates that matter.Read the guide →- GuidesBest Credit Cards Under ₹500 a Year in India (2026)Credit cards with an annual fee of ₹500 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
