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BOBCARD Tiara Credit Card VS Flipkart Axis Bank 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

Flipkart Axis Bank charges ₹500 + GST and earns direct cashback - 4% on Swiggy and 15% off at partner restaurants, with strong shopping cashback on Flipkart and Myntra too. BOBCARD Tiara charges ₹2,499 + GST but earns 15 Reward Points per ₹100 on dining and travel, plus unlimited domestic lounge access and a complimentary Swiggy One membership. If online shopping cashback matters as much as dining, Flipkart Axis Bank's lower fee is efficient; if dining and travel rewards plus lounge access are the priority and you're comfortable with a higher fee, Tiara's benefit set goes further.

BOBCARD Tiara Credit Card
BOBCARD Tiara Credit Card
Flipkart Axis Bank Credit Card
Flipkart Axis Bank Credit Card

Fees & Charges

Joining Fee₹2,499 + GST
Joining FeeFree (1st year)
Renewal Fee₹2,499 + GST
Renewal Fee₹500 + 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 annual spends greater than ₹3.5 lakhs.
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% per annum) for retail purchases and cash.

Rewards & Benefits

Welcome BonusComplimentary Swiggy One, Amazon Prime/Disney Hotstar, Gaana Plus, Women's Health Package. Fee waiver.
Welcome Bonus₹350 activation benefits, ₹250 Flipkart voucher, and ₹100 Swiggy discount on joining.
Rewards RateEarn 15 RP (5X) per ₹100 on Dining, Travel, International Spends (capped). 3 RP per ₹100 on others.
Rewards Rate7.5% on Myntra, 5% on Flipkart & Cleartrip, 4% on preferred partners, 1% on other eligible spends.
Reward TypeReward Points
Reward TypeCashback
Reward Redemption Fee
Reward Redemption FeeNil / No.

Travel & Lifestyle

Domestic Lounge AccessUnlimited domestic lounge access. Requires ₹75,000 spend in previous quarter (₹40,000 from Jan 2025).
Domestic Lounge AccessNo complimentary airport lounge access with the Flipkart Axis Bank Credit Card as of 20th June 2025.
International Lounge AccessThis card offers no international airport lounge access.
International Lounge AccessNo complimentary airport lounge access with the Flipkart Axis Bank Credit Card as of 20th June 2025.
Travel BenefitsAccelerated 15 RP (5X) per ₹100 on Travel. Low 2% Forex markup. Unlimited domestic lounge access (spend based).
Travel Benefits5% cashback on Cleartrip spends and 4% cashback on Uber rides.
Movie Benefits
Flat ₹250 off on 2 movie/non-movie tickets with BookMyShow, available quarterly.
Movie BenefitsAccelerated cashback (4%) on PVR movie tickets.
Dining BenefitsAccelerated 15 Reward Points (5X) per ₹100 spent on Dining. Complimentary Swiggy One 3-month membership.
Dining Benefits15% off up to ₹500 at partner restaurants with Axis Bank Dining Delights. 4% cashback on Swiggy food orders.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% fuel surcharge waiver on transactions ₹400-₹5,000, capped at ₹250 per cycle.
Fuel Surcharge Waiver1% waiver on fuel purchases (₹400-₹4,000), max ₹400 per cycle.

Security & Other

Insurance BenefitsZero Liability on Lost Card.
Insurance BenefitsThe card does not offer any insurance benefits like air accident cover or cover against loss/delay of luggage.
Cash Advance Charges
Cash Advance Charges2.5% of the cash amount, with a minimum of ₹500.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

BOBCARD Tiara Credit Card

Flipkart Axis Bank 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 Flipkart Axis Bank Credit Card is an entry-level card designed for online shoppers, offering significant cashback on popular platforms like Flipkart, Myntra, and Cleartrip. It provides high reward rates on preferred partners such as Swiggy, Uber, and PVR, making it ideal for digital spending and daily online transactions. With cashback directly adjusted to the statement, it simplifies savings for users who frequently shop online and seek value on fashion, travel, and entertainment.

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.

Very good reward rate of 5% on all eligible spends on Flipkart and Cleartrip.

High reward rate of 7.5% on Myntra, making it ideal for fashion shopping.

Good reward rate of 4% on partner merchants like Swiggy, Uber, PVR, FitPass.

Cashback is directly adjusted against the card’s statement balance every month, simplifying redemption.

No upper limit on cashback for most categories, providing significant savings potential.

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.

Not the best choice for offline shopping, offering only 1% cashback on such spends.

Does not offer any insurance benefits, such as air accident cover or luggage cover.

No complimentary airport lounge access, limiting travel perks for cardholders.

New fees on rent, education, utilities, and wallet loads from late 2024.

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.
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