BoB Tiara Credit Card 2025

Save over ₹45,000+ every year with 5X rewards + unlimited lounges + ₹31K welcome benefits!

Card At a Glance

Complete Fees & Charges

Particulars	Details
Joining Fee	₹2,499 + GST (waive on ₹25K in 60 days)
Annual Fee	₹2,499 + GST (waive on ₹2.5L annual spend)
Rewards Redemption Fee	Nil
Foreign Currency Markup	2% + GST
Interest Rate	3.25% per month
Fuel Surcharge Waiver	1% (max ₹250/cycle)
Cash Advance Fee	2.5% of amount

Detailed Reward Rates (2025)

• 15 RP/₹100 (5X) on travel, dining, international (capped 5,000 RP/cycle)
• 3 RP/₹100 on other eligible spends
• 1 RP = ₹0.25 cashback/vouchers
• No expiry
• UPI rewards capped at ₹500/cycle

Airport Lounge Access

Unlimited domestic complimentary visits (on ₹40K spend/preceding quarter from Jan 2025)
Primary + add-on
Via Dreamfolks

Insurance & Protection Benefits

• ₹20 Lakh air accident cover
• Women-centric health pack: Pap Smear, Mammography, Blood Tests (₹15K value)
• Lost card liability ₹1 Lakh
• Purchase protection ₹50K

Pros & Cons (Real User View)

Pros	Cons
5X on key categories	₹2,499 fee
Unlimited lounges (on spend)	Spend condition for lounges 2025
₹31K welcome vouchers	5X capped at 5K RP/cycle
2% low forex	Women-focused (but open to all?)
Health perks for women
Complimentary memberships

Eligibility Criteria & Documents Required

• Age: 21–65 years
• Minimum Annual Income: ₹7.2 Lakh
• Credit Score: 750+
• Documents: PAN, Aadhaar, salary slips, bank statement (2 months)

How to Apply Online (5-Minute Process)

1. BoB Card website → Tiara Card
2. Fill personal & income details
3. Upload PAN + Aadhaar + salary proof
4. Video KYC
5. Card in 7-10 days

Final Verdict – Should You Get It in 2025?

Queen's choice! 5X rewards + unlimited lounges + ₹31K benefits = ₹45K+ value. Perfect premium card for empowered women travellers & shoppers.

Frequently Asked Questions (FAQs)