Share
Bank of Baroda Tiara Credit Card

Bank of Baroda

Bank of Baroda Tiara Credit Card

Data last verified: 11 October 2026

DiningRUPAY
  • Joining fee₹2,499 + GST
  • Annual fee₹2,499 + GST
  • Reward rate0.75% base, up to 3.75% on dining
Apply NowIs It Worth It for Me?

Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.

  • Joining fee₹2,499 + GST
  • Annual fee₹2,499 + GST
  • Fee waiverOn ₹2,50,000 spend a year
  • Forex markup2%
  • Interest (APR)3.75% a month, 45% a year
  • Fuel surcharge waiver1%
  • Fuel waiver cap₹250 a month

Tiara earns 15 reward points per Rs 100 on travel, dining and international spends, about 3.75% back, with a monthly cap. Other spends earn 3 points per Rs 100, about 0.75%. The perks list is long: a health check package that includes a mammogram and pap smear, a 3-month Swiggy membership, 6 months of FitPass Pro, free OTT memberships, and quarterly discounts on Myntra, Nykaa, Flipkart and BigBasket.

It costs ₹2,499 a year plus GST, waived when you spend ₹2,50,000 in the year. If you use the memberships and quarterly discounts, they cover much of the fee on their own.

It suits women who travel, eat out and would use the health and lifestyle perks. The catch: unlimited domestic lounge access needs Rs 75,000 of spend in the previous quarter.

Best for: Women who travel and dine out, People who would use health and fitness perks, Online shoppers on Myntra and Nykaa.

01Bank of Baroda Tiara Credit Card Rewards and Benefits

Rewards rate
0.75% base, up to 3.75% on dining
Fee waived on
₹2,50,000 spend a year
Reward redemption
Not published
Dining
3.75% back
Travel
3.75% back
Golf
Not included
Domestic lounge
Unlimited
International lounge
Not included
Insurance benefits
Not included

02Bank of Baroda Tiara Credit Card Annual Fee and Charges

Joining fee
₹2,499 + GST
Annual fee
₹2,499 + GST
Spend-based waiver
Annual fee waived on ₹2,50,000 spend in a year (rent and wallet loads not counted)
Rewards redemption fee
Nil
Forex markup
2%
Interest rate
3.75% a month (45% a year)
Fuel surcharge waiver
Yes, up to ₹250 a month
Card replacement
Not published

03What It's Worth, in Rupees

If you spend ₹20,000 a month on this card:

  • ₹5,000 on dining and food delivery, earning 3.75%₹188
  • ₹15,000 on everything else, earning 0.75%₹113
  • Back each month, ₹3,612 a year₹301
  • Annual fee with 18% GST−₹2,949
  • In your pocket each year₹663

Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.

Good for

  • 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%

Skip it if…

  • 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

04Product Details

  • About 3.75% back on travel, dining and international spends, capped monthly
  • About 0.75% back on other spends
  • Health check package including mammogram and pap smear
  • Free OTT, Swiggy and FitPass Pro memberships
  • Quarterly discounts on Myntra, Nykaa, Flipkart and BigBasket
  • 2% forex fee, ₹2,499 fee waived at ₹2,50,000

05Pros and Cons

Pros

  • Strong rate on travel, dining and foreign spends
  • Many memberships and discounts included
  • Low 2% forex fee

Cons

  • Monthly cap on bonus points
  • Lounge access needs ₹75,000 quarterly spend
  • Low earn on everyday spends outside bonus categories

06How Bank of Baroda Tiara Credit Card earns Rewards

0.75% base, up to 3.75% on dining.

Earns nothing onFuelSelect MCCs

Spend categoryRateMonthly capWhere it applies
UPI payments (scan and pay)0.75%No capThe card's normal rate
Online shopping0.75%No capThe card's normal rate
Dining and food delivery3.75%₹1,250, shared with other bonus ratesAll 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
Groceries0.75%No capThe card's normal rate
Travel: flights, hotels, trains3.75%₹1,250, shared with other bonus ratesAll 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
FuelEarns nothing-earns nothing on this card
Bills and recharges0.75%No capThe card's normal rate
Rent0.75%No capThe card's normal rate
Insurance premiums0.75%No capThe card's normal rate
School and college fees0.75%No capThe card's normal rate
Wallet top-ups0.75%No capThe card's normal rate
Taxes and government paymentsNot stated-the card's terms state no rate here; many cards pay nothing on these
Spend abroad or in a foreign currency3.75%₹1,250, shared with other bonus ratesAll 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 else0.75%No capThe card's normal rate

Listed underDining cardsRewards cardsTravel cardsPremium cardsLifestyle cardsInternational cards

CardAdvisor tagsDiningInternationalTravelReward points

Terms on the base 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

Point value. 1 point is worth about ₹0.25 at the bank's stated value.

07Bank of Baroda Tiara Credit Card Lounge Access and Travel

Domestic lounge access is unlimited. Spend Rs 75,000 in the previous quarter for domestic lounge access. Spending abroad carries a 2% forex markup; rewards on it: 3.75% back. See what it costs on your trip

Also on the card. ott subscription, fuel surcharge waiver, airport lounge access, movie ticket offers.

  • OTT subscription: Complimentary Amazon Prime or JioHotstar and Gaana Plus memberships
  • Fuel surcharge waiver: 1% fuel surcharge waiver on transactions of ₹400 to ₹5,000 (max ₹250 per statement cycle)
  • Airport lounge access: Unlimited domestic airport lounge access on ₹75,000 of spend in the previous quarter, raised from ₹40,000 on 15 July 2026. No international lounge access.
  • Movie ticket offers: Quarterly flat ₹250 off on a minimum purchase of 2 movie or non-movie tickets via BookMyShow

08Bank of Baroda Tiara Credit Card Eligibility and Documents

Age
25 to 55 years
Employment
Salaried or self-employed
Minimum monthly income
₹60,000

Documents. PAN card Aadhaar / address proof Income proof (salary slips or ITR)

09Recent Changes

What Bank of Baroda changed on this card recently. The facts on this page already reflect them.

DateChangeBeforeNow
15 Jul 2026Reduced: Accidental death insurance withdrawnSource: Bank of Baroda--
15 Jul 2026Reduced: Finance charge raised to 3.75%/monthSource: Bank of Baroda3.25% (39% p.a.)3.75% (45% p.a.)
15 Jul 2026Reduced: Lounge spend threshold raised to ₹75,000/quarterSource: Bank of Baroda₹40,000/quarter₹75,000/quarter
1 Apr 2026Reduced: Processing fees added on toll/bus, high-value rail and third-party education spendsSource: Bank of BarodaNone1% (toll/bus ≥₹5,000; rail ≥₹30,000; 3rd-party education apps, each max ₹5,000)
1 Jan 2025Reduced: Lounge access gated to ₹40,000/quarter spendSource: Bank of BarodaUnlimited, unconditional₹40,000 spend in prior quarter

See this card's change history → · All card changes in July 2026 →

10Cards Similar to Bank of Baroda Tiara Credit Card

Bank of Baroda Tiara Credit Card is a dining card. The two below are the closest on SkyloFin; open any of them, or put them side by side.

FeatureBank of Baroda Tiara Credit CardBank of Baroda Tiara Credit CardHSBC Live Plus Credit CardHSBC Live Plus Credit CardSBI BPCL Credit CardSBI BPCL Credit Card
Joining fee₹2,499 + GST₹999 + GST₹499 + GST
Annual fee₹2,499 + GST₹999 + GST₹499 + GST
Rewards0.75% base, up to 3.75% on dining1.5% base, up to 10% on dining0.25% base, up to 1.25% on dining; 3.25% only at partner merchants
Domestic loungeUnlimited2 visits a yearNot included
Forex markup2%1.99%3.5%
TypeDiningDiningFuel
Compare with HSBC Live Plus Credit CardCompare with SBI BPCL Credit Card

11Explore More

All Bank of Baroda productsEvery card, loan and account from Bank of Baroda on SkyloFinDining credit cardsEvery dining card, comparedAll credit cardsFilter by issuer, category and feeRewards calculatorWhat this card would earn on your spendingInterest calculatorWhat carrying a balance really costsTrack this card in SkyloFin - Expense TrackerStatements and due dates from your bank SMS, on your phone

Card facts last verified 11 October 2026.

Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Never Miss Your Bank of Baroda Tiara Credit Card Bill

The SkyloFin app reads your bank's bill SMS, reminds you before the due date and marks the bill paid when you pay. Free on Android, and your data stays on your phone.

Get It on Google Play

Common Questions

Is the ₹2,499 fee waived?

Yes, once you spend ₹2,50,000 in the year.

What health benefit comes with it?

A complimentary health check package that includes a mammogram and pap smear.

How do I get lounge access?

Spend ₹75,000 in a quarter to get unlimited domestic lounge visits in the next quarter.

Who can apply?

Applicants aged 25 to 55 earning at least ₹60,000 a month, subject to the bank's checks.

What is the joining fee for the Bank of Baroda Tiara Credit Card?

The joining fee is ₹2,499 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.

What is the annual fee for the Bank of Baroda Tiara Credit Card?

The annual fee is ₹2,499 + GST.

Does the Bank of Baroda Tiara Credit Card give airport lounge access?

Yes. Domestic lounge access is unlimited. Check the bank's page for the current rules, because lounge programmes change.

Does applying through SkyloFin cost more?

No. You pay the same fees you would pay applying directly with Bank of Baroda. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.

SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.

Bank of Baroda Tiara Credit CardJoining fee: ₹2,499 + GST
Apply Now
BOBCARD Cashback Credit CardBOBCARD Cashback Credit CardBank of BarodaJoining fee ₹499 + GSTBOBCARD Easy Credit CardBOBCARD Easy Credit CardBank of BarodaJoining fee ₹500 + GSTCMA One BOBCARD Credit CardCMA One BOBCARD Credit CardBank of BarodaJoining fee ₹1 + GST
See all credit cards
Credit Cards

Guides in Plain Words

Short reads that explain how it works before you decide.

All Credit Cards guides
SkyloFin - Expense Tracker

Your Money. One Clear View.

Automatically organise your spending, track expenses and understand where your money goes.

  • Reads bank SMS No account linking, no passwords.
  • Sorts every rupee Into categories you can edit.
  • Bills and cards Statements found, due dates reminded.
  • Your Google Drive Backed up to you, never to us.
Get the AppSee how it works