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BOBCARD Tiara Credit Card VS ICICI Bank Platinum Chip 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

BOBCARD Tiara charges ₹2,499 + GST but earns an accelerated 15 Reward Points per ₹100 on dining and travel, unlimited domestic lounge access, and bundled Swiggy One/Amazon Prime memberships. ICICI Bank Platinum Chip is entirely free with a flat 15% dining discount via Culinary Treats. If lounge access and bundled lifestyle memberships are worth the fee to you, Tiara delivers substantially more; for a no-cost dining discount with no ongoing spend requirement, Platinum Chip stays free.

BOBCARD Tiara Credit Card
BOBCARD Tiara Credit Card
ICICI Bank Platinum Chip Credit Card
ICICI Bank Platinum Chip Credit Card

Fees & Charges

Joining Fee₹2,499 + GST
Joining FeeLifetime Free
Renewal Fee₹2,499 + GST
Renewal FeeLifetime Free
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 WaiverNot applicable as the card is Lifetime Free.
Foreign Transaction Fees2%
Foreign Transaction Fees3.5% on all international transactions.
Interest Rate (APR)3.75% Per Month (45% Per Annum)
Interest Rate (APR)3.75% per month (45% per annum) on overdue amounts, ATM withdrawals, and if only the minimum due is paid.

Rewards & Benefits

Welcome BonusComplimentary Swiggy One, Amazon Prime/Disney Hotstar, Gaana Plus, Women's Health Package. Fee waiver.
Welcome Bonus
Rewards RateEarn 15 RP (5X) per ₹100 on Dining, Travel, International Spends (capped). 3 RP per ₹100 on others.
Rewards RateEarn 2 Reward Points for every ₹100 spent on retail transactions; 1 Reward Point for every ₹100 on utilities and insurance.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption Fee
Reward Redemption Fee₹99 + GST per redemption request.

Travel & Lifestyle

Domestic Lounge AccessUnlimited domestic lounge access. Requires ₹75,000 spend in previous quarter (₹40,000 from Jan 2025).
Domestic Lounge Access
International Lounge AccessThis card offers no international airport lounge access.
International Lounge Access
Travel BenefitsAccelerated 15 RP (5X) per ₹100 on Travel. Low 2% Forex markup. Unlimited domestic lounge access (spend based).
Travel Benefits
Movie Benefits
Flat ₹250 off on 2 movie/non-movie tickets with BookMyShow, available quarterly.
Movie Benefits
Dining BenefitsAccelerated 15 Reward Points (5X) per ₹100 spent on Dining. Complimentary Swiggy One 3-month membership.
Dining BenefitsUp to 15% discount at over 2500+ restaurants in India through the ICICI Bank Culinary Treats Programme.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% fuel surcharge waiver on transactions ₹400-₹5,000, capped at ₹250 per cycle.
Fuel Surcharge Waiver1% fuel surcharge waiver on transactions done at HPCL fuel stations. This waiver applies to fuel transactions worth ₹400 to ₹4,000.

Security & Other

Insurance BenefitsZero Liability on Lost Card.
Insurance Benefits
Cash Advance Charges
Cash Advance ChargesHigher of ₹500 or 2.5% of the amount withdrawn.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

BOBCARD Tiara Credit Card

ICICI Bank Platinum Chip 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 ICICI Bank Platinum Chip Credit Card is an entry-level, lifetime free credit card designed for everyday savings. It offers cardholders reward points on retail, utility, and insurance spends, along with attractive dining discounts through the Culinary Treats Programme. Cardholders also benefit from a 1% fuel surcharge waiver at HPCL pumps, making it a practical choice for daily use. This card is ideal for individuals seeking an affordable credit solution with valuable everyday benefits.

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.

The ICICI Bank Platinum Chip Credit Card is lifetime free with no joining or annual fees.

Earns valuable reward points on everyday retail, utility, and insurance expenditures.

Enjoy significant savings with up to 15% discount on dining via the Culinary Treats Programme.

Benefit from a 1% fuel surcharge waiver at HPCL pumps for transactions between ₹400 and ₹4,000.

Conveniently convert your large purchases into easy and manageable EMI options.

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.

A redemption fee of ₹99 + GST is applicable for each reward point redemption request.

The card levies a relatively high foreign currency markup fee of 3.5% on international transactions.

High interest rates of 3.75% per month apply to overdue amounts and cash advances.

Significant cash advance fees are charged, which can be costly for emergency withdrawals.

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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