{
  "id": "bob-easy",
  "locale": "hinglish",
  "name": "BOBCARD EASY",
  "bank": "Bank of Baroda",
  "cardType": "shopping",
  "cardTier": "entry",
  "annualFee": "₹500 + GST",
  "loungeAccess": "Easy tier par complimentary airport lounge access available nahi hai",
  "rewardsRate": "Departmental Stores aur Movies par 5X Rewards (5 Points / ₹100 = 1.0%) · Other par 1 Point (0.20%)",
  "bestFor": "Daily grocery, departmental stores shopping, cinema tickets aur utility bill payments",
  "officialLink": "https://www.bobcard.co.in/easy",
  "aiVerdict": {
    "score": 3.8,
    "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",
      "No extracted lounge benefit"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 0.2,
  "affiliateId": "bob-easy",
  "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 — Easy Credit Card official schedule of charges",
    "BOBCARD Rewards — 5X accelerated departmental store & movie reward points terms"
  ],
  "feeWaiver": "Annual spends ₹35,000 par renewal fee waived (First 60 days mein ₹6,000 spend par joining fee waived)",
  "networks": [
    "Visa",
    "Mastercard",
    "RuPay"
  ],
  "quickFacts": [
    {
      "key": "Departmental & Movies",
      "value": "5X (5 Points / ₹100 = 1.0%)"
    },
    {
      "key": "General Spends",
      "value": "1 Point / ₹100 (0.20%)"
    },
    {
      "key": "Fee Waiver Target",
      "value": "₹35,000 / year (Easy Target)"
    },
    {
      "key": "Point Valuation",
      "value": "1 Point = ₹0.20 (Cashback)"
    },
    {
      "key": "Monthly 5X Cap",
      "value": "1,000 Points / statement cycle"
    },
    {
      "key": "Annual Fee",
      "value": "₹500 + GST"
    }
  ],
  "earnRates": [
    {
      "category": "Departmental Stores & Grocery (5X)",
      "rate": "1.0% (5 Points / ₹100)",
      "monthlyCap": "1,000 Points / month",
      "perLakhSpent": "1,000 Points (₹200 value)"
    },
    {
      "category": "Movie Ticket Bookings (5X)",
      "rate": "1.0% (5 Points / ₹100)",
      "monthlyCap": "1,000 Points / month",
      "perLakhSpent": "1,000 Points (₹200 value)"
    },
    {
      "category": "Baaki Sabhi Domestic Retail Spends",
      "rate": "0.20% (1 Point / ₹100)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "200 Points (₹40 value)"
    },
    {
      "category": "Fuel Purchases",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 Points"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Departmental Stores",
      "multiplier": "5×",
      "rate": "1.0%",
      "monthlyCap": "1,000 Points / month",
      "dailyCap": "—",
      "note": "Supermarket aur grocery spends par 5 points per ₹100."
    },
    {
      "channel": "Movies & Cinema",
      "multiplier": "5×",
      "rate": "1.0%",
      "monthlyCap": "1,000 Points / month",
      "dailyCap": "—",
      "note": "Movie ticket bookings par 5 points per ₹100."
    }
  ],
  "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 spends (sirf 1% surcharge waiver milega).",
    "Cash advance withdrawals aur wallet load transactions."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹500 + GST (Pehle 60 dino mein ₹6,000 spend par waived)",
      "warn": false
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹500 + GST (Saal mein ₹35,000 spend par waived)",
      "warn": false
    },
    {
      "item": "Finance Charges (Interest Rate)",
      "value": "3.49% per month (41.88% per annum)",
      "warn": true
    },
    {
      "item": "Forex Markup Fee",
      "value": "3.50% + GST",
      "warn": true
    },
    {
      "item": "Fuel Surcharge Waiver",
      "value": "₹400 se ₹5,000 ke transactions par 1% waiver (Max ₹250/cycle)",
      "warn": false
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age Requirement",
      "requirement": "21 se 65 saal (Primary applicant)"
    },
    {
      "criteria": "Minimum Annual Income",
      "requirement": "₹3,00,000+ per annum (Salaried ya Self-Employed)"
    },
    {
      "criteria": "Credit Score (CIBIL)",
      "requirement": "720+ recommended for instant approval"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}