{
  "id": "sbi-fbb",
  "locale": "hi",
  "name": "SBI Fbb Credit Card",
  "bank": "SBI Card",
  "cardType": "shopping",
  "cardTier": "entry",
  "annualFee": "₹499 + GST",
  "loungeAccess": "लाउंज एक्सेस उपलब्ध नहीं",
  "rewardsRate": "एफबीबी व बिग बाजार पर 10 अंक / ₹100 · 10% तत्काल छूट · 1% ईंधन छूट",
  "bestFor": "फैशन व कपड़े खरीदारी, बिग बाजार राशन बचत, डाइनिंग रिवॉर्ड्स व शून्य लागत रखरखाव",
  "officialLink": "https://www.sbicard.com/en/personal/credit-cards/shopping/fbb-styleup-sbi-card.page",
  "aiVerdict": {
    "score": 3.2,
    "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",
      "Data quality is PARTIAL, not fully live-verified"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 0.25,
  "affiliateId": "sbi-fbb",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "PARTIAL",
  "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": [
    "SBI Card — fbb STYLE UP SBI Card schedule of charges",
    "Future Group & fbb fashion co-branded partnership guidelines"
  ],
  "feeWaiver": "₹1,00,000 वार्षिक खुदरा खर्च पर शुल्क माफ",
  "networks": [
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "फैशन छूट",
      "value": "10% सीधी छूट"
    },
    {
      "key": "fbb व बिग बाजार",
      "value": "10 अंक / ₹100 (2.50%)"
    },
    {
      "key": "डाइनिंग खर्च",
      "value": "10 अंक / ₹100 (2.50%)"
    },
    {
      "key": "सामान्य रिटेल",
      "value": "1 अंक / ₹100 (0.25%)"
    },
    {
      "key": "शुल्क माफी लक्ष्य",
      "value": "₹1,00,000 / वर्ष"
    },
    {
      "key": "वार्षिक शुल्क",
      "value": "₹499 + GST"
    }
  ],
  "earnRates": [
    {
      "category": "fbb, बिग बाजार व स्टैंडअलोन डाइनिंग",
      "rate": "10 RP / ₹100 (2.50%)",
      "monthlyCap": "कोई सीमा नहीं",
      "perLakhSpent": "10,000 RP (₹2,500 मूल्य)"
    },
    {
      "category": "अन्य सभी सामान्य रिटेल खर्च",
      "rate": "1 RP / ₹100 (0.25%)",
      "monthlyCap": "कोई सीमा नहीं",
      "perLakhSpent": "1,000 RP (₹250 मूल्य)"
    },
    {
      "category": "ईंधन और किराया",
      "rate": "0%",
      "monthlyCap": "शून्य (Excluded)",
      "perLakhSpent": "0 RP"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "फैशन कपड़े",
      "multiplier": "10% छूट",
      "rate": "सीधी छूट",
      "monthlyCap": "कोई सीमा नहीं",
      "dailyCap": "—",
      "note": "fbb स्टोर्स पर।"
    },
    {
      "channel": "डाइनिंग व ग्रॉसरी",
      "multiplier": "10×",
      "rate": "2.50%",
      "monthlyCap": "कोई सीमा नहीं",
      "dailyCap": "—",
      "note": "प्रति ₹100 पर 10 अंक।"
    },
    {
      "channel": "शुल्क माफी",
      "multiplier": "100%",
      "rate": "₹499 की छूट",
      "monthlyCap": "1 / वर्ष",
      "dailyCap": "—",
      "note": "₹1,00,000 खर्च पर पूरी फीस माफ।"
    }
  ],
  "redemptionRoutes": [
    {
      "route": "ब्रांड शॉपिंग वाउचर्स",
      "value": "₹0.25 / Reward Point",
      "minPoints": "2,000 pts",
      "ceiling": "कोई सीमा नहीं",
      "fee": "₹99 + GST",
      "isBest": true
    },
    {
      "route": "स्टेटमेंट बैलेंस क्रेडिट",
      "value": "₹0.25 / Reward Point",
      "minPoints": "2,000 pts",
      "ceiling": "कोई सीमा नहीं",
      "fee": "₹99 + GST",
      "isBest": false
    }
  ],
  "exclusions": [
    "किराया भुगतान (Rent pay)।",
    "पेट्रोल पंप खरीद (सरचार्ज माफी के बाहर)।",
    "वॉलेट लोड।"
  ],
  "feesDetail": [
    {
      "item": "जॉइनिंग शुल्क",
      "value": "₹499 + GST"
    },
    {
      "item": "वार्षिक नवीनीकरण शुल्क",
      "value": "₹499 + GST (₹1 लाख खर्च पर माफ)"
    },
    {
      "item": "फॉरेक्स मार्कअप",
      "value": "3.5% + GST"
    },
    {
      "item": "रिवॉल्विंग ब्याज दर",
      "value": "3.5% प्रति माह (42% वार्षिक)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "आयु सीमा",
      "requirement": "21 से 65 वर्ष"
    },
    {
      "criteria": "वेतनभोगी आय",
      "requirement": "₹20,000+ प्रति माह शुद्ध वेतन"
    },
    {
      "criteria": "स्वरोजगार आय",
      "requirement": "₹2.4 लाख से अधिक का ITR"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}