{
  "id": "icici-parakram-select-credit-card",
  "locale": "hi",
  "name": "ICICI Bank Parakram Select Credit Card",
  "bank": "ICICI Bank",
  "cardType": "shopping",
  "cardTier": "entry",
  "annualFee": "₹0 (Nil)",
  "loungeAccess": "2 international/year; 2 domestic/quarter after ₹75,000 eligible preceding quarter spend",
  "rewardsRate": "10 points/₹100 groceries, department stores and CSD canteens; 2 points/₹100 domestic spend; point value unverified",
  "bestFor": "Eligible Indian Defence and Paramilitary personnel",
  "officialLink": "https://www.icici.bank.in/personal-banking/cards/credit-card/parakram-cards/parakram-select",
  "aiVerdict": {
    "score": 6.2,
    "summary": "Its lifetime-free pricing offset the lack of lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "Limited lounge access compared with premium travel cards",
      "Data quality is PARTIAL, not fully live-verified"
    ],
    "confidence": 0.75
  },
  "affiliateId": "icici-parakram-select-credit-card",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "PARTIAL",
  "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.icici.bank.in/personal-banking/cards/credit-card/parakram-cards/parakram-select",
    "https://www.icici.bank.in/content/dam/icicibank/india/managed-assets/revamp-page-images/docs/pdf/mitc_cc.pdf"
  ],
  "feeWaiver": "Joining and annual fees nil on official product page",
  "networks": [],
  "quickFacts": [
    {
      "key": "Fees",
      "value": "Nil joining and annual fee"
    },
    {
      "key": "Lounge",
      "value": "2 international/year; 2 domestic/quarter with ₹75,000 eligible prior-quarter spend"
    },
    {
      "key": "Golf",
      "value": "1 round/lesson monthly after ₹50,000 eligible preceding-month spend"
    },
    {
      "key": "Insurance",
      "value": "Air accident up to ₹20 lakh; personal accident ₹2 lakh"
    }
  ],
  "earnRates": [
    {
      "category": "Groceries, department stores and CSD canteens",
      "rate": "10 points / ₹100"
    },
    {
      "category": "Domestic spend",
      "rate": "2 points / ₹100"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [],
  "redemptionRoutes": [],
  "exclusions": [],
  "feesDetail": [
    {
      "item": "Joining fee",
      "value": "Nil"
    },
    {
      "item": "Annual fee",
      "value": "Nil"
    },
    {
      "item": "Forex markup",
      "value": "3.5%; tax and transaction conditions pending"
    },
    {
      "item": "Finance charge",
      "value": "3.75% monthly stated for ATM withdrawal/minimum due; complete MITC scope pending"
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Applicant",
      "requirement": "Indian citizen over 21 and Indian Defence or Paramilitary personnel"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}