{
  "id": "bob-bobcard-etihad-guest",
  "locale": "hinglish",
  "name": "BOBCARD Etihad Guest Credit Card",
  "bank": "Bank of Baroda",
  "cardType": "travel",
  "cardTier": "mid",
  "annualFee": "₹2,500 + GST",
  "loungeAccess": "Complimentary Domestic Airport Lounge access (1 visit per calendar quarter, max 4 visits/year)",
  "rewardsRate": "3 Etihad Guest Miles / ₹100 · 7,500 tak Bonus Miles · 1% Forex Markup · 12 Airport Lounges/Year",
  "bestFor": "Abu Dhabi, Middle East, Europe aur USA travel ke liye Etihad Airways prefer karne wale flyers",
  "officialLink": "https://www.bobcard.co.in/credit-card-types/bobcard-etihad-guest",
  "aiVerdict": {
    "score": 3.1,
    "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",
      "Limited lounge access compared with premium travel cards"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 1,
  "affiliateId": "bob-bobcard-etihad-guest",
  "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 Etihad Guest Credit Card official schedule of charges and MITC",
    "Etihad Guest Airline Program — 7,500 welcome bonus miles, 10,000 metal welcome miles, renewal miles & lounge terms"
  ],
  "feeWaiver": "Previous anniversary year mein ₹3,00,000 se adhik spend karne par annual renewal fee waived",
  "networks": [
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Annual Fee",
      "value": "Standard: ₹2,500 + GST (Waived on ₹3L spend) · Premium Metal: ₹5,000 + GST (Waived on ₹5L spend)"
    },
    {
      "key": "Welcome Gift",
      "value": "Standard: Up to 7,500 Bonus Miles · Premium Metal: 10,000 Bonus Miles + Gold Tier Fast-Track"
    },
    {
      "key": "Renewal Benefit",
      "value": "Premium Metal: 5,000 Annual Renewal Bonus Miles upon fee payment (Standard: 100% waiver at ₹3L)"
    },
    {
      "key": "Accelerated Miles",
      "value": "Standard: 3 Miles / ₹100 on Etihad · Premium Metal: 6 Miles / ₹100 on Etihad & 2 Miles on Intl"
    },
    {
      "key": "Airport Lounges",
      "value": "Standard: 12 Visits/Year (8 domestic + 4 intl) · Premium Metal: Unlimited Domestic & International"
    },
    {
      "key": "Foreign Exchange",
      "value": "Standard: 1.0% + GST · Premium Metal: 0.0% True Zero Forex Markup"
    }
  ],
  "earnRates": [
    {
      "category": "Etihad Airways Bookings (Premium Metal: 6X / Standard: 3X)",
      "rate": "3 to 6 Miles / ₹100 (3.0% to 6.0% value)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "3,000 to 6,000 Etihad Guest Miles (~₹3,000 to ₹6,000 value)"
    },
    {
      "category": "International Retail Spends (Premium Metal)",
      "rate": "2 Miles / ₹100 (2.0% value)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "2,000 Etihad Guest Miles (~₹2,000 value)"
    },
    {
      "category": "General Domestic Retail Spends",
      "rate": "1 Mile / ₹100 (1.0% value)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "1,000 Etihad Guest Miles (~₹1,000 value)"
    },
    {
      "category": "Fuel Purchases",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 Points"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Etihad Airways Bookings",
      "multiplier": "6×",
      "rate": "3 to 6 Miles / ₹100",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "Standard par 3 miles aur Premium Metal par 6 miles per ₹100 on etihad.com or app bookings."
    },
    {
      "channel": "General Retail Spends",
      "multiplier": "1×",
      "rate": "1 Mile / ₹100",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "General domestic retail aur dining spends par steady 1 Etihad Guest Mile per ₹100."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Etihad Airways Flight Tickets",
      "value": "₹1.00 / Etihad Guest Mile",
      "minPoints": "1,500 miles",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    }
  ],
  "exclusions": [
    "Fuel purchases (eligible for 1% surcharge waiver only).",
    "ATM cash withdrawals."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "Standard: ₹2,500 + GST (7,500 Bonus Miles) · Premium Metal: ₹5,000 + GST (10,000 Bonus Miles)",
      "warn": false
    },
    {
      "item": "Annual Renewal Fee",
      "value": "Standard: ₹2,500 + GST (Waived on ₹3L spend) · Premium Metal: ₹5,000 + GST (Waived on ₹5L spend)",
      "warn": false
    },
    {
      "item": "Renewal Benefit",
      "value": "Premium Metal: 5,000 Bonus Miles on fee payment · Standard: 100% waiver on ₹3L spend",
      "warn": false
    },
    {
      "item": "Finance Charges (Interest Rate)",
      "value": "3.49% per month (41.88% per annum)",
      "warn": false
    },
    {
      "item": "Foreign Currency Markup",
      "value": "Standard: 1.0% + GST · Premium Metal: 0.0% True Zero Forex Markup",
      "warn": false
    },
    {
      "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": "₹40,000+ per month (Salaried) or ₹6L+ ITR (Self-Employed)"
    },
    {
      "criteria": "Credit Score (CIBIL)",
      "requirement": "730+ recommended for smooth approval"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}