{
  "id": "bobcard-rupay-credit-card",
  "locale": "hi",
  "name": "Bobcard RuPay Credit Card",
  "bank": "BOBCard",
  "cardType": "cashback",
  "cardTier": "entry",
  "annualFee": "₹0 (100% लाइफटाइम फ्री)",
  "loungeAccess": "लाउंज एक्सेस उपलब्ध नहीं",
  "rewardsRate": "UPI QR भुगतानों पर 5X रिवॉर्ड्स (5 pts / ₹100 = 1.25%) · 1% फ्यूल सरचार्ज माफी · शून्य शुल्क",
  "bestFor": "दैनिक UPI QR पेमेंट्स, किराना स्टोर्स, स्ट्रीट वेंडर्स, मोबाइल रिचार्ज और शून्य वार्षिक फीस",
  "officialLink": "https://www.bobcard.co.in/rupay.htm",
  "aiVerdict": {
    "score": 4.5,
    "summary": "Its modest reward rate and lifetime-free pricing 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": 1.25,
  "affiliateId": "bobcard-rupay-credit-card",
  "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": [
    "BOBCARD (Bank of Baroda) — RuPay Credit Card schedule of charges",
    "NPCI RuPay Credit Card on UPI — merchant reward terms"
  ],
  "feeWaiver": "बिना किसी शर्त के लाइफटाइम फ्री",
  "networks": [
    "RuPay"
  ],
  "quickFacts": [
    {
      "key": "UPI QR पेमेंट्स",
      "value": "5X (5 अंक / ₹100 = 1.25%)"
    },
    {
      "key": "सामान्य खर्च",
      "value": "1 अंक / ₹100 (0.25%)"
    },
    {
      "key": "UPI ऐप लिंकिंग",
      "value": "गूगल पे, फोनपे, पेटीएम"
    },
    {
      "key": "वार्षिक शुल्क",
      "value": "₹0 (100% लाइफटाइम फ्री)"
    },
    {
      "key": "शुल्क माफी",
      "value": "शून्य शर्तें (LTF)"
    },
    {
      "key": "ईंधन छूट",
      "value": "1% सरचार्ज माफी"
    }
  ],
  "earnRates": [
    {
      "category": "मर्चेंट UPI QR कोड स्कैन",
      "rate": "1.25% (5 pts / ₹100)",
      "monthlyCap": "1,000 pts / माह",
      "perLakhSpent": "5,000 pts (अधिकतम 1,000 pts/माह)"
    },
    {
      "category": "अन्य सभी सामान्य रिटेल खर्च",
      "rate": "0.25% (1 pt / ₹100)",
      "monthlyCap": "कोई सीमा नहीं",
      "perLakhSpent": "1,000 pts (₹250 मूल्य)"
    },
    {
      "category": "किराया और ईंधन",
      "rate": "0%",
      "monthlyCap": "शून्य (Excluded)",
      "perLakhSpent": "0 pts"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "UPI QR मर्चेंट स्कैन",
      "multiplier": "5×",
      "rate": "1.25%",
      "monthlyCap": "1,000 pts / माह",
      "dailyCap": "—",
      "note": "UPI स्कैन पर प्रति ₹100 पर 5 अंक।"
    },
    {
      "channel": "ऑनलाइन रिटेल",
      "multiplier": "1×",
      "rate": "0.25%",
      "monthlyCap": "कोई सीमा नहीं",
      "dailyCap": "—",
      "note": "प्रति ₹100 पर 1 अंक।"
    }
  ],
  "redemptionRoutes": [
    {
      "route": "स्टेटमेंट नकद क्रेडिट",
      "value": "₹0.25 / Reward Point",
      "minPoints": "1,000 pts",
      "ceiling": "कोई सीमा नहीं",
      "fee": "शून्य",
      "isBest": true
    },
    {
      "route": "ब्रांड वाउचर्स और उपहार",
      "value": "₹0.25 / Reward Point",
      "minPoints": "1,000 pts",
      "ceiling": "कोई सीमा नहीं",
      "fee": "शून्य",
      "isBest": true
    }
  ],
  "exclusions": [
    "मित्रों और परिवार को P2P व्यक्तिगत UPI ट्रांसफर।",
    "किराया भुगतान (Rent pay)।",
    "पेट्रोल पंप खरीद (सरचार्ज माफी के बाहर)।"
  ],
  "feesDetail": [
    {
      "item": "जॉइनिंग शुल्क",
      "value": "₹0 (100% लाइफटाइम फ्री)"
    },
    {
      "item": "वार्षिक नवीनीकरण शुल्क",
      "value": "₹0 (आजीवन पूर्णतः मुफ्त)"
    },
    {
      "item": "फॉरेक्स मार्कअप",
      "value": "3.5% + GST"
    },
    {
      "item": "रिवॉल्विंग ब्याज दर",
      "value": "3.25% प्रति माह (39.0% वार्षिक)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "आयु सीमा",
      "requirement": "21 से 65 वर्ष"
    },
    {
      "criteria": "वेतनभोगी आय",
      "requirement": "₹15,000+ प्रति माह शुद्ध वेतन"
    },
    {
      "criteria": "स्वरोजगार आय",
      "requirement": "₹2.0 लाख से अधिक का ITR"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}