{
  "id": "bob-prime",
  "locale": "hinglish",
  "name": "BOBCARD PRIME",
  "bank": "Bank of Baroda",
  "cardType": "entry-level",
  "cardTier": "entry",
  "annualFee": "₹0 (Lifetime Free)",
  "loungeAccess": "Prime tier par complimentary airport lounge access available nahi hai",
  "rewardsRate": "Per ₹100 spend par 2 Reward Points (0.40% effective value) · 100% Guaranteed Issuance",
  "bestFor": "Credit score (CIBIL) banana ya improve karna, students aur bina income proof wale log",
  "officialLink": "https://www.bobcard.co.in/prime",
  "aiVerdict": {
    "score": 4.2,
    "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": 0.4,
  "affiliateId": "bob-prime",
  "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 — Prime Credit Card official schedule of charges",
    "BOBCARD Secured Products — Fixed deposit collateral & zero documentation guidelines"
  ],
  "feeWaiver": "Lifetime Free (Bina kisi annual spend requirement ke)",
  "networks": [
    "Visa",
    "Mastercard",
    "RuPay"
  ],
  "quickFacts": [
    {
      "key": "Annual Fee",
      "value": "₹0 (Lifetime Free)"
    },
    {
      "key": "Reward Rate",
      "value": "2 Points / ₹100 (0.40%)"
    },
    {
      "key": "Minimum FD",
      "value": "₹30,000 (Full FD Interest Milta Rahega)"
    },
    {
      "key": "Approval Rate",
      "value": "100% Guaranteed (No Income Proof)"
    },
    {
      "key": "Point Valuation",
      "value": "1 Point = ₹0.20 (Cashback)"
    },
    {
      "key": "Fuel Waiver",
      "value": "1% Surcharge Waiver"
    }
  ],
  "earnRates": [
    {
      "category": "Sabhi Retail Spends & Utilities",
      "rate": "0.40% (2 Points / ₹100)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "400 Points (₹80 value)"
    },
    {
      "category": "Fuel Purchases",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 Points"
    }
  ],
  "hasAccelerated": false,
  "acceleratedEarn": [],
  "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 transactions (sirf 1% surcharge waiver milega).",
    "Cash advance withdrawals aur digital wallet loads."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹0 (Nil)",
      "warn": false
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹0 (Lifetime Free)",
      "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": "18+ saal (Indian Resident)"
    },
    {
      "criteria": "Fixed Deposit Requirement",
      "requirement": "Bank of Baroda mein minimum ₹30,000 ki Fixed Deposit (FD)"
    },
    {
      "criteria": "Income Documentation",
      "requirement": "Koi document zaroori nahi (FD ke against guaranteed approval)"
    },
    {
      "criteria": "Prior Credit History",
      "requirement": "CIBIL score ki zaroorat nahi (New-to-credit ke liye best)"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}