{
  "id": "bob-bobcard-cashback",
  "locale": "en",
  "name": "BOBCARD Cashback Credit Card",
  "bank": "Bank of Baroda",
  "cardType": "cashback",
  "cardTier": "entry",
  "annualFee": "₹500 + GST",
  "loungeAccess": "No lounge access",
  "rewardsRate": "5% Cashback on Groceries, Dining & Utility Bills · 1% Unlimited Base Cashback · 1% Fuel Surcharge Waiver",
  "bestFor": "Household grocery shopping, supermarket runs, utility bill payments, and daily dining",
  "officialLink": "https://www.bobcard.co.in/credit-card-types/bobcard-cashback",
  "aiVerdict": {
    "score": 4.1,
    "summary": "Its modest reward rate and low annual fee offset the lack of lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "No extracted lounge benefit"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 1,
  "affiliateId": "bob-bobcard-cashback",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "LIVE_VERIFIED",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "Bank of Baroda / BOBCARD — BOBCARD Cashback Credit Card official schedule of charges and MITC",
    "BOBCARD Rewards Program — 5% category cashback, monthly caps & spend waiver criteria"
  ],
  "feeWaiver": "Waived on annual spends exceeding ₹50,000 in previous anniversary year",
  "networks": [
    "RuPay",
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Annual Fee",
      "value": "₹500 + GST (Waived on ₹50k spend)"
    },
    {
      "key": "Category Cashback",
      "value": "5% cashback on Grocery, Dining & Utilities"
    },
    {
      "key": "Base Cashback",
      "value": "1% unlimited cashback on all other retail"
    },
    {
      "key": "Cashback Credit",
      "value": "Automatically credited to monthly statement"
    },
    {
      "key": "UPI Payments",
      "value": "RuPay variant links to Google Pay, PhonePe, Paytm"
    },
    {
      "key": "Fuel Surcharge",
      "value": "1% waiver on ₹400 to ₹5,000"
    }
  ],
  "earnRates": [
    {
      "category": "Grocery, Dining & Utility Bills (5%)",
      "rate": "5.0% Direct Cashback",
      "monthlyCap": "Max ₹500 / month",
      "perLakhSpent": "₹5,000 Cashback"
    },
    {
      "category": "All Other Domestic Retail Spends",
      "rate": "1.0% Unlimited Cashback",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "₹1,000 Cashback"
    },
    {
      "category": "Fuel Purchases",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 Points"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Groceries & Supermarkets",
      "multiplier": "5×",
      "rate": "5.0% Cashback",
      "monthlyCap": "₹500 / month",
      "dailyCap": "—",
      "note": "5% cashback on DMart, BigBasket, Blinkit, Zepto, Nature's Basket."
    },
    {
      "channel": "Dining & Utilities",
      "multiplier": "5×",
      "rate": "5.0% Cashback",
      "monthlyCap": "₹500 / month",
      "dailyCap": "—",
      "note": "5% cashback on restaurants, electricity, gas, and telecom bills."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Automatic Statement Credit",
      "value": "100% Cash Value",
      "minPoints": "Nil",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    }
  ],
  "exclusions": [
    "Fuel purchases (eligible for 1% surcharge waiver only).",
    "ATM cash withdrawals and digital wallet loads."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹500 + GST",
      "warn": false
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹500 + GST (Waived on ₹50,000 annual spend)",
      "warn": false
    },
    {
      "item": "Finance Charges (Interest Rate)",
      "value": "3.49% per month (41.88% per annum)",
      "warn": false
    },
    {
      "item": "Foreign Currency Markup",
      "value": "3.50% + GST",
      "warn": true
    },
    {
      "item": "Fuel Surcharge Waiver",
      "value": "1% waiver on ₹400 to ₹5,000 transactions (Max ₹250/month)",
      "warn": false
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age Requirement",
      "requirement": "21 to 65 years"
    },
    {
      "criteria": "Minimum Monthly Income",
      "requirement": "₹25,000+ per month (Salaried) or ₹3.6L+ ITR (Self-Employed)"
    },
    {
      "criteria": "Credit Score (CIBIL)",
      "requirement": "730+ recommended for smooth approval"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}