{
  "id": "federal-fed-starbiz-credit-card-rupay",
  "locale": "hinglish",
  "name": "FED StarBiz Credit Card",
  "bank": "Federal Bank",
  "cardType": "shopping",
  "cardTier": "entry",
  "annualFee": "₹499 + GST",
  "loungeAccess": "No lounge access",
  "rewardsRate": "3X Rewards on Business Utilities, Software Subscriptions & Digital Ads · 1 Reward Point / ₹100 Base · 1% Fuel Surcharge Waiver",
  "bestFor": "Small business owners, MSME entrepreneurs, self-employed consultants aur startup founders",
  "officialLink": "https://www.federal.bank.in/fed-starbiz-credit-card-rupay",
  "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": 0.25,
  "affiliateId": "federal-fed-starbiz-credit-card-rupay",
  "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": [
    "Federal Bank — FED StarBiz Credit Card official schedule of charges and MITC",
    "Federal MSME Banking Program — 3X business categories, ₹1L spend waiver & RuPay commercial terms"
  ],
  "feeWaiver": "Saal mein ₹1,00,000 spend karne par annual renewal fee completely waive off",
  "networks": [
    "RuPay",
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Annual Fee",
      "value": "₹499 + GST (Waived on ₹1L spend)"
    },
    {
      "key": "Business Target",
      "value": "MSMEs, Sole Proprietors & Self-Employed"
    },
    {
      "key": "Business Spends",
      "value": "3X Points on Google/Meta Ads, AWS, SaaS & Utilities"
    },
    {
      "key": "UPI Payments",
      "value": "RuPay UPI enabled for business vendor payments"
    },
    {
      "key": "Milestone Waiver",
      "value": "100% fee waiver on ₹1,00,000 annual spend"
    },
    {
      "key": "Fuel Surcharge",
      "value": "₹400 se ₹5,000 par 1% waiver"
    }
  ],
  "earnRates": [
    {
      "category": "Digital Ads, SaaS & Business Utilities (3X)",
      "rate": "3 Points / ₹100 (0.75% value)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "3,000 Points (~₹750 value)"
    },
    {
      "category": "All Other Domestic Commercial Spends",
      "rate": "1 Point / ₹100 (0.25% value)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "1,000 Points (~₹250 value)"
    },
    {
      "category": "Fuel Purchases",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 Points"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Digital Marketing & Software",
      "multiplier": "3×",
      "rate": "3 Points / ₹100",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "Google Ads, Meta Ads, AWS aur SaaS subscriptions par 3 points per ₹100."
    },
    {
      "channel": "Commercial Utilities",
      "multiplier": "3×",
      "rate": "3 Points / ₹100",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "Office electricity, broadband aur telecom bills par 3 points per ₹100."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Statement Cash Credit",
      "value": "₹0.25 / Reward Point",
      "minPoints": "500 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "FedRewards Brand Vouchers",
      "value": "₹0.20 to ₹0.25 / Reward Point",
      "minPoints": "1,000 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": false
    }
  ],
  "exclusions": [
    "Fuel purchases (sirf 1% surcharge waiver milega).",
    "ATM cash withdrawals."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹499 + GST",
      "warn": false
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹499 + GST (Saal mein ₹1,00,000 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 ₹150/month)",
      "warn": false
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Business Entity Type",
      "requirement": "Sole Proprietorship, MSME, Partnership, LLP ya Self-Employed Professional"
    },
    {
      "criteria": "Business Proof",
      "requirement": "GST Certificate, Udyam Registration ya Shop & Establishment License"
    },
    {
      "criteria": "Age Requirement",
      "requirement": "21 se 65 saal"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}