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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.
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Last updated: 18 July 2026

Both BOBCARD Tiara Credit Card and Axis Bank SELECT Credit Card suit dining-focused spenders, but they earn and cost differently. BOBCARD Tiara Credit Card costs ₹2,499 + GST and earns 15 Reward Points per ₹100 on Dining, Travel & International; 3 RP per ₹100 on other spends. Axis Bank SELECT Credit Card costs ₹3,000 + GST and earns 10 EDGE points per ₹200 spent; 20 points per ₹200 on retail shopping up to ₹20,000 monthly. BOBCARD Tiara Credit Card also brings unlimited domestic airport lounge access, conditional on ₹40,000 spend from Jan 1, 2025, while Axis Bank SELECT Credit Card counters with 2 complimentary domestic lounge visits per quarter on ₹50,000+ spends in previous 3 months (Max 8/year). If dining spending matters more, go with BOBCARD Tiara Credit Card; if shopping is the priority, Axis Bank SELECT Credit Card fits better.

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
Joining Fee₹3,000 + GST
Renewal Fee₹2,499 + GST
Renewal Fee₹3,000 + GST
Spend Based WaiverJoining fee waived on ₹25,000 spend in 60 days. Annual fee waived on ₹2.5 Lakh spend in a year.
Spend Based WaiverAnnual fee waived on spends of ₹8 lakh or more in a card anniversary year.
Foreign Transaction Fees2%
Foreign Transaction Fees3.5% of the transaction value.
Interest Rate (APR)3.75% Per Month (45% Per Annum)
Interest Rate (APR)3.75% per month (55.55% annually) for retail purchases and cash.

Rewards & Benefits

Welcome BonusComplimentary Swiggy One, Amazon Prime/Disney Hotstar, Gaana Plus, Women's Health Package. Fee waiver.
Welcome BonusGet 10,000 EDGE Reward Points worth ₹2,000 on your first card transaction within 30 days.
Rewards RateEarn 15 RP (5X) per ₹100 on Dining, Travel, International Spends (capped). 3 RP per ₹100 on others.
Rewards RateEarn 20 EDGE Points/₹200 on retail shopping (up to ₹20k/month), then 10 EDGE Points/₹200.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption Fee
Reward Redemption Fee₹99 per redemption.

Travel & Lifestyle

Domestic Lounge AccessUnlimited domestic lounge access. Requires ₹75,000 spend in previous quarter (₹40,000 from Jan 2025).
Domestic Lounge Access2 complimentary domestic airport lounge accesses every quarter on ₹50k spend in previous 3 months.
International Lounge AccessThis card offers no international airport lounge access.
International Lounge Access12 complimentary international airport lounge accesses annually with Priority Pass membership.
Travel BenefitsAccelerated 15 RP (5X) per ₹100 on Travel. Low 2% Forex markup. Unlimited domestic lounge access (spend based).
Travel Benefits12 complimentary international lounge accesses, 2 domestic lounge accesses/quarter, MakeMyTrip savings.
Movie Benefits
Flat ₹250 off on 2 movie/non-movie tickets with BookMyShow, available quarterly.
Movie Benefits100% discount on 2nd movie ticket (up to ₹250, twice/month) via District app.
Dining BenefitsAccelerated 15 Reward Points (5X) per ₹100 spent on Dining. Complimentary Swiggy One 3-month membership.
Dining BenefitsFlat ₹200 off on Swiggy (twice/month) & up to 25% off (up to ₹800) at partner restaurants.
Golf Benefits
Golf Benefits6 complimentary golf rounds annually, plus 6 more on ₹3 lakh annual spend.
Fuel Surcharge Waiver1% fuel surcharge waiver on transactions ₹400-₹5,000, capped at ₹250 per cycle.
Fuel Surcharge Waiver1% waiver for fuel transactions between ₹400-₹4,000, max ₹400 waiver per cycle.

Security & Other

Insurance BenefitsZero Liability on Lost Card.
Insurance BenefitsPurchase Protection up to ₹1 lakh, travel document & baggage delay/loss cover up to USD 500.
Cash Advance Charges
Cash Advance Charges2.5% 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 is a premium offering exclusively designed for women, empowering their journeys with tailored benefits. It provides accelerated 5X Reward Points on dining, travel, and international spends, coupled with a competitive low 2% Forex markup. Cardholders enjoy complimentary memberships to Swiggy One, Amazon Prime/Disney Hotstar, and Gaana Plus, alongside unique women's health benefits. This card is ideal for modern women seeking a comprehensive financial tool that blends high rewards, lifestyle perks, and travel advantages.

Who is it for?

The Axis Bank SELECT Credit Card is a versatile sub-premium lifestyle card offering extensive benefits across travel, shopping, dining, and golf. Cardholders enjoy complimentary domestic and international lounge access, accelerated reward points on retail shopping, and exclusive discounts on Swiggy and BigBasket. This card is ideal for individuals seeking a balanced rewards rate alongside premium lifestyle privileges.

Pros

Key benefits and features.

Highly competitive 2% Forex markup charge, lower than most credit cards in the market.

Accelerated reward points on international spends benefit frequent international travelers.

Offers a high effective reward rate of 3.75% on dining and travel spends.

Wide array of lifestyle benefits including shopping discounts, entertainment, and health perks.

Pros

Key benefits and features.

Offers extensive lifestyle benefits across dining, shopping, travel, and golf categories.

Provides significant savings with discounts on popular platforms like Swiggy and BigBasket.

Includes valuable complimentary international and domestic airport lounge access.

Generous reward points on retail shopping, maximizing benefits for everyday spends.

Comprehensive insurance benefits provide added security for purchases and travel.

Cons

Key drawbacks and limitations.

Despite international benefits, the BOBCARD Tiara does not offer international airport lounge access.

Domestic airport lounge access is conditional on meeting a minimum spending requirement.

Reward points on accelerated categories and UPI transactions are capped per statement cycle.

Cons

Key drawbacks and limitations.

The joining and annual fees are relatively high for a sub-premium card.

Welcome benefits are less than the joining fee, reducing initial value for some users.

Reward points are not earned on essential categories like fuel, insurance, and utilities.

Domestic lounge access requires a minimum spend threshold in the preceding quarter.

High foreign currency markup of 3.5% makes international transactions expensive.

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.
Apply for BOBCARD Tiara Credit Card(opens in new tab)Apply for Axis Bank SELECT Credit Card(opens in new tab)