{
  "id": "bobcard-select-credit-card",
  "locale": "hinglish",
  "name": "Bobcard Select Credit Card",
  "bank": "BOBCard",
  "cardType": "shopping",
  "cardTier": "entry",
  "annualFee": "₹750 + GST",
  "loungeAccess": "4 Domestic Lounges / year (1/qtr on ₹35k spend)",
  "rewardsRate": "Dining aur Online par 5X Rewards (5 pts / ₹100) · 4 Domestic Lounges/Year · Fee Waiver at ₹70,000",
  "bestFor": "Dining out, online shopping, utility bill payments & affordable airport lounge access",
  "officialLink": "https://www.bobcard.co.in/select.htm",
  "aiVerdict": {
    "score": 7,
    "summary": "Its low annual fee offset limited lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "Limited lounge access compared with premium travel cards"
    ],
    "confidence": 0.75
  },
  "affiliateId": "bobcard-select-credit-card",
  "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": [
    "BOBCARD (Bank of Baroda) — Select Credit Card schedule of charges",
    "BOBCARD Rewards — 5X accelerated reward points and lounge access terms"
  ],
  "feeWaiver": "Annual spend ₹70,000 par renewal fee waived",
  "networks": [
    "Visa",
    "Mastercard",
    "RuPay"
  ],
  "quickFacts": [
    {
      "key": "Dining & Online",
      "value": "5X (5 pts / ₹100 = 1.25%)"
    },
    {
      "key": "Domestic Lounge",
      "value": "4 visits / year (1/qtr)"
    },
    {
      "key": "Welcome Gift",
      "value": "1,000 Bonus Points"
    },
    {
      "key": "Fee Waiver",
      "value": "₹70,000 / year (Low Target)"
    },
    {
      "key": "Annual Fee",
      "value": "₹750 + GST"
    },
    {
      "key": "Fuel Waiver",
      "value": "1% Surcharge Waiver"
    }
  ],
  "earnRates": [
    {
      "category": "Dining, Online Shopping & Utility Bills",
      "rate": "1.25% (5 pts / ₹100)",
      "monthlyCap": "1,000 pts / month",
      "perLakhSpent": "5,000 pts (Capped at 1,000 pts/mo)"
    },
    {
      "category": "All Other Domestic Retail Spends",
      "rate": "0.25% (1 pt / ₹100)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "1,000 pts (₹250 value)"
    },
    {
      "category": "Fuel & Rent",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 pts"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Dining & Online",
      "multiplier": "5×",
      "rate": "1.25%",
      "monthlyCap": "1,000 pts / month",
      "dailyCap": "—",
      "note": "5 pts per ₹100 on dining & web."
    },
    {
      "channel": "Utility Bills",
      "multiplier": "5×",
      "rate": "1.25%",
      "monthlyCap": "1,000 pts / month",
      "dailyCap": "—",
      "note": "5 pts per ₹100 on utility bills."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Direct Statement Cash Credit",
      "value": "₹0.25 / Reward Point",
      "minPoints": "1,000 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Brand Vouchers & Merchandise",
      "value": "₹0.25 / Reward Point",
      "minPoints": "1,000 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    }
  ],
  "exclusions": [
    "Rent payments.",
    "Fuel purchases (1% surcharge waiver on ₹400–₹5,000).",
    "Wallet load transactions."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹750 + GST (1,000 Bonus Points welcome gift)"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹750 + GST (Waived at ₹70,000 spend)"
    },
    {
      "item": "Forex Markup",
      "value": "3.5% + GST"
    },
    {
      "item": "Finance Charges",
      "value": "3.25% / month (39.0% / year)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age",
      "requirement": "21–65 years"
    },
    {
      "criteria": "Salaried Income",
      "requirement": "₹25,000+ monthly net salary"
    },
    {
      "criteria": "Self-Employed Income",
      "requirement": "ITR above ₹3.0 Lakhs per annum"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}