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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.

Features

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

Fees & Charges

Joining Fee
₹500 + GST
₹2,499 + GST
Renewal Fee
₹500 + GST
₹2,499 + GST
Spend Based Waiver
Not Applicable
Joining fee waived with ₹25,000 spend in 60 days. Annual fee waived with ₹2,50,000 spend.
Foreign Transaction Fees
Up to 3.5% (plus applicable taxes)
Reduced Forex mark-up of 2% on International Spends.
Interest Rate (APR)
3.99% per month (equivalent to 47.88% annually)
3.25% Per Month (39% Per Annum)

Rewards & Benefits

Welcome Bonus
500 Edition Cash & complimentary annual Zomato Pro membership upon joining.
Free Swiggy One, Fitpass Pro, Amazon Prime/Jio Hotstar memberships, plus a women's health package.
Rewards Rate
5 Edition Cash for every ₹100 on Zomato/Blinkit; 1 Edition Cash for every ₹100 on other spends.
Earn 15 Reward Points per ₹100 on Dining, Travel & International; 3 RP per ₹100 on other spends.
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
Nil
Not applicable (N/A)

Travel & Lifestyle

Domestic Lounge Access
Not Applicable
Unlimited domestic airport lounge access, conditional on ₹40,000 spend from Jan 1, 2025.
International Lounge Access
Not Applicable
No international airport lounge access is provided with this card.
Travel Benefits
Not Applicable
Accelerated 5X Reward Points on travel, 2% Forex markup, and unlimited domestic lounge access.
Movie Benefits
Not Applicable
Flat ₹250 off on a minimum purchase of 2 movie/non-movie tickets with BookMyShow, quarterly.
Dining Benefits
Complimentary Zomato Pro & 5 Edition Cash for every ₹100 on Zomato/Blinkit (capped daily).
Earn 15 RP/₹100 on dining, plus unlimited free deliveries with Swiggy One membership.
Golf Benefits
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% fuel surcharge levied; waived for select transactions between ₹500 and ₹4,000.
1% waiver on transactions ₹400-₹5,000, max ₹250/cycle. No RPs on fuel transactions.

Security & Other

Insurance Benefits
Not Applicable
Zero Liability cover on lost card upon immediate reporting of the loss.
Cash Advance Charges
2.5% of the withdrawn amount (with a minimum charge of ₹500)
Not applicable (N/A)
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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, a collaboration between RBL Bank, Zomato, and MasterCard, is designed for Zomato users seeking exclusive dining benefits. This card provides a complimentary annual Zomato Pro membership and offers 500 Edition Cash as a welcome benefit. Cardholders earn accelerated Edition Cash on Zomato and Blinkit purchases, along with a standard rate on other expenditures, and can redeem points for food or statement balance. It's an excellent choice for frequent online food orderers.

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.

Pros

Key benefits and features.

Offers exclusive dining benefits with a complimentary Zomato Pro membership.

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

Redeem Edition Cash for Zomato purchases or against credit card statement.

Get 2,000 bonus Edition Cash annually by spending over ₹2,00,000.

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.

Cons

Key drawbacks and limitations.

Lacks any complimentary domestic or international airport lounge access facilities.

Does not offer any specific benefits for travel, golf, or insurance needs.

High interest rates of 3.99% per month, equating to 47.88% annually.

A 1% fuel surcharge is levied on transactions, with a minimum charge of ₹10.

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.

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.