{
  "id": "bob-snapdeal-bobcard",
  "locale": "hinglish",
  "name": "Snapdeal BOBCARD",
  "bank": "Bank of Baroda",
  "cardType": "shopping",
  "cardTier": "entry",
  "annualFee": "₹249 + GST",
  "loungeAccess": "No lounge access",
  "rewardsRate": "Snapdeal par 5% Unlimited Cashback (20 Reward Points / ₹100) · Other online spends par 4 Reward Points / ₹100 · 1% Fuel Surcharge Waiver",
  "bestFor": "Budget online shoppers, Snapdeal buyers aur starter credit card users",
  "officialLink": "https://www.bobcard.co.in/credit-card-types/snapdeal-bobcard",
  "aiVerdict": {
    "score": 5.9,
    "summary": "Its strong reward rate and low annual fee offset the lack of lounge access.",
    "tradeOffs": [
      "No extracted lounge benefit"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 5,
  "affiliateId": "bob-snapdeal-bobcard",
  "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 — Snapdeal BOBCARD official schedule of charges and MITC",
    "Snapdeal Co-Branded Partnership — 5% unlimited cashback, ₹500 welcome voucher & ₹25k spend waiver"
  ],
  "feeWaiver": "Previous anniversary year mein ₹25,000 se adhik spend karne par annual renewal fee waived",
  "networks": [
    "RuPay",
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Annual Fee",
      "value": "₹249 + GST (Waived on ₹25k spend)"
    },
    {
      "key": "Welcome Gift",
      "value": "₹500 Snapdeal Shopping Voucher on card setup"
    },
    {
      "key": "Snapdeal Rewards",
      "value": "5% Unlimited Cashback (20 pts / ₹100 spent)"
    },
    {
      "key": "Other Online Spends",
      "value": "1% return (4 pts / ₹100 spent)"
    },
    {
      "key": "Milestone Waiver",
      "value": "Sirf ₹25,000 spend par 100% annual fee waiver"
    },
    {
      "key": "Fuel Surcharge",
      "value": "₹400 se ₹5,000 par 1% waiver"
    }
  ],
  "earnRates": [
    {
      "category": "Snapdeal App & Website (20X)",
      "rate": "20 Points / ₹100 (5.0% value)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "20,000 Points (~₹5,000 value)"
    },
    {
      "category": "Other Online Shopping",
      "rate": "4 Points / ₹100 (1.0% value)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "4,000 Points (~₹1,000 value)"
    },
    {
      "category": "Fuel Purchases",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 Points"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Snapdeal Purchases",
      "multiplier": "5×",
      "rate": "20 Points / ₹100 (5.0%)",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "snapdeal.com par har purchase par 20 points per ₹100."
    },
    {
      "channel": "General Online Retail",
      "multiplier": "1×",
      "rate": "4 Points / ₹100 (1.0%)",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "Baki e-commerce portals par 4 points per ₹100."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Statement Cash Credit",
      "value": "₹0.25 / Reward Point",
      "minPoints": "1,000 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Snapdeal Brand Vouchers",
      "value": "₹0.25 / Reward Point",
      "minPoints": "1,000 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    }
  ],
  "exclusions": [
    "Fuel purchases (sirf 1% surcharge waiver milega).",
    "ATM cash withdrawals."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹249 + GST (₹500 Snapdeal Voucher Included)",
      "warn": false
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹249 + GST (Saal mein ₹25,000 spend par waived)",
      "warn": false
    },
    {
      "item": "Finance Charges (Interest Rate)",
      "value": "3.49% per month (41.88% per annum)",
      "warn": false
    },
    {
      "item": "Foreign Currency Markup",
      "value": "3.50% + GST",
      "warn": true
    },
    {
      "item": "Fuel Surcharge Waiver",
      "value": "₹400 se ₹5,000 ke transactions par 1% waiver (Max ₹250/month)",
      "warn": false
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age Requirement",
      "requirement": "21 se 65 saal"
    },
    {
      "criteria": "Minimum Monthly Income",
      "requirement": "₹20,000+ per month (Salaried) ya ₹3L+ ITR (Self-Employed)"
    },
    {
      "criteria": "Credit Score (CIBIL)",
      "requirement": "710+ recommended for smooth approval"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}