{
  "id": "bob-tiara",
  "locale": "en",
  "name": "BOBCARD TIARA",
  "bank": "Bank of Baroda",
  "cardType": "premium",
  "cardTier": "premium",
  "annualFee": "₹2,499 + GST",
  "loungeAccess": "Unlimited Complimentary Domestic Airport Lounge Access across India",
  "rewardsRate": "15 Points / ₹100 (3.0%) on Dining, Travel & International · 3 Points (0.60%) Other",
  "bestFor": "Women professionals, unlimited domestic airport lounges, wellness packages, and lifestyle perks",
  "officialLink": "https://www.bobcard.co.in/tiara",
  "aiVerdict": {
    "score": 4.7,
    "summary": "Its modest reward rate and low annual fee plus solid lounge access make it a well-rounded pick.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 0.6,
  "affiliateId": "bob-tiara",
  "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 — Tiara Credit Card official schedule of charges",
    "BOBCARD Tiara — Unlimited domestic lounge access, health package & lifestyle vouchers"
  ],
  "feeWaiver": "Waived on annual spends exceeding ₹2,50,000",
  "networks": [
    "RuPay"
  ],
  "quickFacts": [
    {
      "key": "Dining & Travel",
      "value": "15 Points / ₹100 (3.0% Return)"
    },
    {
      "key": "Domestic Lounges",
      "value": "Unlimited Complimentary Access"
    },
    {
      "key": "General Spends",
      "value": "3 Points / ₹100 (0.60%)"
    },
    {
      "key": "Forex Markup",
      "value": "2.0% + GST (Reduced)"
    },
    {
      "key": "Fee Waiver Target",
      "value": "₹2,50,000 / year"
    },
    {
      "key": "Annual Fee",
      "value": "₹2,499 + GST"
    }
  ],
  "earnRates": [
    {
      "category": "Dining, Travel & International (5X)",
      "rate": "3.0% (15 Points / ₹100)",
      "monthlyCap": "5,000 Points / month",
      "perLakhSpent": "3,000 Points (₹600 value)"
    },
    {
      "category": "All Other Domestic Retail Spends",
      "rate": "0.60% (3 Points / ₹100)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "600 Points (₹120 value)"
    },
    {
      "category": "Fuel Purchases",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 Points"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Dining & Food",
      "multiplier": "5×",
      "rate": "3.0%",
      "monthlyCap": "5,000 Points / month",
      "dailyCap": "—",
      "note": "15 points per ₹100 spent on restaurants and food delivery."
    },
    {
      "channel": "Travel & Flights",
      "multiplier": "5×",
      "rate": "3.0%",
      "monthlyCap": "5,000 Points / month",
      "dailyCap": "—",
      "note": "15 points per ₹100 spent on airlines, hotels, and travel portals."
    },
    {
      "channel": "International Transactions",
      "multiplier": "5×",
      "rate": "3.0%",
      "monthlyCap": "5,000 Points / month",
      "dailyCap": "—",
      "note": "15 points per ₹100 spent on foreign currency transactions."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Direct Statement Cashback",
      "value": "₹0.20 / Reward Point",
      "minPoints": "500 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Brand Vouchers & Catalog",
      "value": "₹0.20 / Reward Point",
      "minPoints": "500 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": false
    }
  ],
  "exclusions": [
    "Fuel transactions (eligible for 1% surcharge waiver only).",
    "Cash advance withdrawals and digital wallet loads."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹2,499 + GST",
      "warn": false
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹2,499 + GST (Waived on ₹2,50,000 annual spend)",
      "warn": false
    },
    {
      "item": "Finance Charges (Interest Rate)",
      "value": "3.49% per month (41.88% per annum)",
      "warn": true
    },
    {
      "item": "Foreign Currency Markup",
      "value": "2.00% + GST (Reduced)",
      "warn": false
    },
    {
      "item": "Fuel Surcharge Waiver",
      "value": "1% waiver on ₹400 to ₹5,000 transactions (Max ₹250/cycle)",
      "warn": false
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Target Audience & Age",
      "requirement": "Women Primary Applicants (21 to 65 years)"
    },
    {
      "criteria": "Minimum Annual Income",
      "requirement": "₹7,50,000+ per annum (Salaried or Self-Employed)"
    },
    {
      "criteria": "Credit Score (CIBIL)",
      "requirement": "750+ recommended for smooth approval"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}