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BOBCARD Tiara Credit Card VS Axis Bank SELECT Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.

Features

BOBCARD Tiara Credit Card
BOBCARD Tiara Credit Card
Axis Bank SELECT Credit Card
Axis Bank SELECT Credit Card

Fees & Charges

Joining Fee
₹2,499 + GST
₹3,000 + GST
Renewal Fee
₹2,499 + GST
₹3,000 + GST
Spend Based Waiver
Joining fee waived with ₹25,000 spend in 60 days. Annual fee waived with ₹2,50,000 spend.
Annual fee waiver on spending ₹8 lakhs in a card anniversary year.
Foreign Transaction Fees
Reduced Forex mark-up of 2% on International Spends.
3.50% of the transaction value.
Interest Rate (APR)
3.25% Per Month (39% Per Annum)
3.75% per month (55.55% per annum) on retail purchases & cash.

Rewards & Benefits

Welcome Bonus
Free Swiggy One, Fitpass Pro, Amazon Prime/Jio Hotstar memberships, plus a women's health package.
Get 10,000 EDGE REWARD Points worth ₹2,000 on your first card transaction within 30 days of card issuance.
Rewards Rate
Earn 15 Reward Points per ₹100 on Dining, Travel & International; 3 RP per ₹100 on other spends.
Earn 10 EDGE points per ₹200 spent; 20 points per ₹200 on retail shopping up to ₹20,000 monthly.
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
Not applicable (N/A)
₹99 per reward redemption.

Travel & Lifestyle

Domestic Lounge Access
Unlimited domestic airport lounge access, conditional on ₹40,000 spend from Jan 1, 2025.
2 complimentary domestic lounge visits per quarter on ₹50,000+ spends in previous 3 months (Max 8/year).
International Lounge Access
No international airport lounge access is provided with this card.
Up to 12 complimentary international airport lounge accesses annually via Priority Pass Membership.
Travel Benefits
Accelerated 5X Reward Points on travel, 2% Forex markup, and unlimited domestic lounge access.
Complimentary domestic & international lounge access. Travel insurance up to USD 500 for baggage & documents.
Movie Benefits
Flat ₹250 off on a minimum purchase of 2 movie/non-movie tickets with BookMyShow, quarterly.
Get 100% discount on 2nd movie ticket via District app, up to ₹250, twice monthly. Code: AXISSELECT.
Dining Benefits
Earn 15 RP/₹100 on dining, plus unlimited free deliveries with Swiggy One membership.
Up to 25% discount, up to ₹800, at partner restaurants via Axis Bank Dining Delights Program.
Golf Benefits
Not Applicable
6 complimentary golf rounds per year; additional 6 rounds on ₹3 Lakhs annual spend milestone.
Fuel Surcharge Waiver
1% waiver on transactions ₹400-₹5,000, max ₹250/cycle. No RPs on fuel transactions.
1% fuel surcharge waiver (transactions ₹400-₹4000), capped at ₹400 per statement cycle.

Security & Other

Insurance Benefits
Zero Liability cover on lost card upon immediate reporting of the loss.
Purchase protection up to ₹1 Lakh. Travel insurance (USD 500) for lost documents/baggage.
Cash Advance Charges
Not applicable (N/A)
2.5% of cash amount (Minimum ₹500).
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

BOBCARD Tiara Credit Card

Axis Bank SELECT Credit Card

Who is it for?

The BOBCARD Tiara Credit Card empowers women with tailored rewards and benefits. It offers accelerated 5X Reward Points on dining, travel, and international spends, a low Forex markup of 2%, and valuable complimentary memberships. Enjoy unlimited domestic lounge access and UPI linking for convenient payments. The card's fees can be easily waived by meeting spending milestones, making it an excellent option for a lifestyle-focused credit card.

Who is it for?

The Axis Bank Select Credit Card is a versatile lifestyle card, offering extensive benefits across shopping, travel, and dining. It provides accelerated EDGE Reward Points, discounts on platforms like Swiggy and BigBasket, and complimentary domestic & international lounge access. With valuable golf privileges, comprehensive insurance, and milestone rewards including an annual fee waiver, it's ideal for those seeking a premium and rewarding credit card experience.

Pros

Key benefits and features.

The 2% Forex markup charge is lower than typical, making it competitive for international transactions.

The card offers accelerated reward points for international spends, enhancing its value.

Enjoy complimentary memberships to Swiggy One, FitPass Pro, Amazon Prime, and Gaana Plus annually.

A high reward rate of 3.75% on dining, travel, and international spends is very attractive.

Pros

Key benefits and features.

Enjoy ₹200 off twice monthly on Swiggy and significant discounts on BigBasket shopping.

Access 12 complimentary international airport lounges annually through Priority Pass membership.

Benefit from comprehensive insurance cover, including purchase protection and travel insurance.

Achieve annual fee waiver and bonus reward points with substantial milestone spending.

Cons

Key drawbacks and limitations.

The BOBCARD Tiara does not offer international airport lounge access despite low Forex charges.

Domestic lounge access becomes conditional on spending ₹40,000 quarterly starting January 2025.

5X reward points on dining, travel, and international spends are capped at 5,000 points per cycle.

Cons

Key drawbacks and limitations.

No reward points are earned on fuel transactions made with the Axis Bank Select Credit Card.

The initial joining fee of ₹3,000 + GST is not fully offset by the ₹2,000 welcome benefit.

Reward points are not earned on key categories such as rent, insurance, and utility payments.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.