{
  "id": "onecard-bobcard",
  "locale": "en",
  "name": "BOBCARD One Co-branded Credit Card",
  "bank": "BOBCARD Limited",
  "cardType": "cashback",
  "cardTier": "entry",
  "annualFee": "Lifetime Free",
  "loungeAccess": "No Complimentary Lounge Access",
  "rewardsRate": "Basic Spend Utility (No confirmed accelerated reward tiers)",
  "bestFor": "Fee-conscious users seeking a no-frills Visa card with basic spending utility",
  "officialLink": "https://www.getonecard.app/legal/bobcard_conditions/",
  "affiliateId": "onecard-bobcard",
  "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": [
    "https://www.getonecard.app/legal/bobcard_conditions/",
    "BOBCARD Limited Schedule of Charges and MITC"
  ],
  "feeWaiver": "No fee waiver needed (Lifetime Free with ₹0 annual fee)",
  "networks": [
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Annual Fee",
      "value": "Lifetime Free (₹0)"
    },
    {
      "key": "Joining Fee",
      "value": "Nil (₹0)"
    },
    {
      "key": "Network",
      "value": "Visa Platinum"
    },
    {
      "key": "Forex Markup",
      "value": "1% of transaction"
    },
    {
      "key": "Lounge Access",
      "value": "None included"
    },
    {
      "key": "Rent Surcharge",
      "value": "2% processing fee"
    }
  ],
  "earnRates": [
    {
      "category": "General Domestic Retail Spends",
      "rate": "Standard Base",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "—"
    },
    {
      "category": "Rent Transactions",
      "rate": "0%",
      "monthlyCap": "2% processing fee applies",
      "perLakhSpent": "₹0"
    },
    {
      "category": "Fuel & Utilities",
      "rate": "Standard Base",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "—"
    }
  ],
  "hasAccelerated": false,
  "acceleratedEarn": [],
  "redemptionRoutes": [],
  "exclusions": [
    "Rent payments incur a 2% processing surcharge without reward points.",
    "No airport or railway lounge privileges."
  ],
  "feesDetail": [
    {
      "item": "Annual Membership Fee",
      "value": "Lifetime Free (₹0)"
    },
    {
      "item": "Joining Fee",
      "value": "Nil (₹0)"
    },
    {
      "item": "Forex Currency Markup",
      "value": "1.00% + GST"
    },
    {
      "item": "Rent Payment Surcharge",
      "value": "2.00% + GST",
      "warn": true
    },
    {
      "item": "Interest Rate (APR)",
      "value": "Up to 42% p.a. (3.5% per month)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age Requirement",
      "requirement": "18 to 65 years"
    },
    {
      "criteria": "Minimum Income",
      "requirement": "₹20,000+ monthly income (or FD backed)"
    },
    {
      "criteria": "Credit History",
      "requirement": "730+ CIBIL score for unsecured metal card; or FD backed for first-timers"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}