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Zomato Edition Classic Credit Card VS BOBCARD Tiara 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 Zomato Edition Classic Credit Card and BOBCARD Tiara Credit Card suit dining-focused spenders, but they earn and cost differently. Zomato Edition Classic Credit Card costs ₹500 + GST and earns 5 Edition Cash for every ₹100 on Zomato/Blinkit; 1 Edition Cash for every ₹100 on other spends. 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. Zomato Edition Classic Credit Card also brings 500 Edition Cash & complimentary annual Zomato Pro membership upon joining, while BOBCARD Tiara Credit Card counters with unlimited domestic airport lounge access, conditional on ₹40,000 spend from Jan 1, 2025. Weigh the fee against the reward rate above to see which fits your spending pattern better.

Zomato Edition Classic Credit Card
Zomato Edition Classic Credit Card
BOBCARD Tiara Credit Card
BOBCARD Tiara Credit Card

Fees & Charges

Joining Fee₹500 + GST
Joining Fee₹2,499 + GST
Renewal Fee₹500 + GST
Renewal Fee₹2,499 + GST
Spend Based Waiver
Spend Based WaiverJoining fee waived on ₹25,000 spend in 60 days. Annual fee waived on ₹2.5 Lakh spend in a year.
Foreign Transaction FeesUp to 3.5% (plus applicable taxes)
Foreign Transaction Fees2%
Interest Rate (APR)3.99% per month (equivalent to 47.88% annually)
Interest Rate (APR)3.75% Per Month (45% Per Annum)

Rewards & Benefits

Welcome Bonus500 Edition Cash & complimentary annual Zomato Pro membership.
Welcome BonusComplimentary Swiggy One, Amazon Prime/Disney Hotstar, Gaana Plus, Women's Health Package. Fee waiver.
Rewards RateEarn 5 Edition Cash per Rs. 100 on Zomato/Blinkit (capped daily); 1 Edition Cash per Rs. 100 on others.
Rewards RateEarn 15 RP (5X) per ₹100 on Dining, Travel, International Spends (capped). 3 RP per ₹100 on others.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption FeeNil
Reward Redemption Fee

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge AccessUnlimited domestic lounge access. Requires ₹75,000 spend in previous quarter (₹40,000 from Jan 2025).
International Lounge Access
International Lounge AccessThis card offers no international airport lounge access.
Travel Benefits
Travel BenefitsAccelerated 15 RP (5X) per ₹100 on Travel. Low 2% Forex markup. Unlimited domestic lounge access (spend based).
Movie Benefits
Movie Benefits
Flat ₹250 off on 2 movie/non-movie tickets with BookMyShow, available quarterly.
Dining BenefitsComplimentary Zomato Pro membership & accelerated rewards on Zomato/Blinkit.
Dining BenefitsAccelerated 15 Reward Points (5X) per ₹100 spent on Dining. Complimentary Swiggy One 3-month membership.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% fuel surcharge waived for transactions between Rs. 500 and Rs. 4,000.
Fuel Surcharge Waiver1% fuel surcharge waiver on transactions ₹400-₹5,000, capped at ₹250 per cycle.

Security & Other

Insurance Benefits
Insurance BenefitsZero Liability on Lost Card.
Cash Advance Charges2.5% of withdrawn amount, with a minimum charge of Rs. 500.
Cash Advance Charges
Apply Now(opens in new tab)
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Zomato Edition Classic Credit Card

BOBCARD Tiara Credit Card

Who is it for?

The Zomato Edition Classic Credit Card, issued by RBL Bank, was designed for Zomato users and food enthusiasts, offering exclusive dining benefits. It provided a complimentary annual Zomato Pro membership and accelerated Edition Cash on Zomato and Blinkit purchases. While it offered value for dedicated foodies, the card has recently undergone significant devaluations and is now discontinued, limiting its appeal and availability.

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.

Pros

Key benefits and features.

Offers significant value for frequent Zomato users with dining-focused benefits.

Includes a complimentary annual Zomato Pro membership, enhancing food ordering experience.

Accelerated rewards of 5 Edition Cash per Rs. 100 on Zomato and Blinkit spends.

Edition Cash is flexible, redeemable for Zomato purchases or against statement balance.

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.

Cons

Key drawbacks and limitations.

The card has been discontinued, limiting new applications and future benefits.

Significant devaluation of benefits, including removal of 5% cashback at dining outlets.

Lacks benefits in other popular categories like travel, movies, and lounge access.

A cap of 1% on all other transactions limits overall reward earning 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.

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)