{
  "id": "idfc-business-max",
  "locale": "hinglish",
  "name": "IDFC FIRST Business Max Credit Card",
  "bank": "IDFC FIRST Bank",
  "cardType": "shopping",
  "cardTier": "entry",
  "annualFee": "₹0 (Lifetime Free)",
  "loungeAccess": "No complimentary airport lounge access",
  "rewardsRate": "6 Pts/₹200 Online · 4 Pts/₹200 Offline · Up to 6 Pts on GST/Taxes · 0% Forex · Flat 12% p.a. APR",
  "bestFor": "Small business owners, startups aur self-employed professionals jo bina annual fee aur RuPay UPI feature ke sath FD-backed credit line chahte hain",
  "officialLink": "https://www.idfcfirst.bank.in/credit-card/business-max-credit-card",
  "aiVerdict": {
    "score": 7.4,
    "summary": "Its strong reward rate and lifetime-free pricing offset the lack of lounge access.",
    "tradeOffs": [
      "No extracted lounge benefit",
      "Data quality is PARTIAL, not fully live-verified"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 12,
  "affiliateId": "idfc-business-max",
  "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": [
    "https://www.idfcfirst.bank.in/credit-card/business-max-credit-card",
    "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/MITC-Document-Customer.pdf"
  ],
  "feeWaiver": "Zero joining aur annual renewal fees ke sath complete Lifetime Free",
  "networks": [
    "RuPay"
  ],
  "quickFacts": [
    {
      "key": "Joining Fee",
      "value": "₹0 (Lifetime Free)"
    },
    {
      "key": "Annual Renewal Fee",
      "value": "₹0 (Lifetime Free)"
    },
    {
      "key": "Credit Limit",
      "value": "Fixed Deposit ka 100% Value"
    },
    {
      "key": "Foreign Currency Markup",
      "value": "0% (Zero Forex Markup)"
    },
    {
      "key": "Interest Rate (APR)",
      "value": "Flat 12% p.a. (1% monthly)"
    },
    {
      "key": "UPI Payments",
      "value": "RuPay credit on UPI enabled"
    }
  ],
  "earnRates": [
    {
      "category": "Domestic Online Purchases",
      "rate": "6 Points / ₹200 (0.75% value)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "3,000 Points (~₹750 value)"
    },
    {
      "category": "GST & Mandatory Tax Payments",
      "rate": "Up to 6 Points / ₹200 (0.75% value)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "3,000 Points (~₹750 value)"
    },
    {
      "category": "Domestic Offline Purchases",
      "rate": "4 Points / ₹200 (0.50% value)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "2,000 Points (~₹500 value)"
    },
    {
      "category": "UPI Spends (> ₹2,000 via Bank App)",
      "rate": "Up to 3 Points / ₹200 (0.375% value)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "1,500 Points (~₹375 value)"
    },
    {
      "category": "Utilities, Insurance & Other UPI Spends",
      "rate": "1 Point / ₹200 (0.125% value)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "500 Points (~₹125 value)"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Hotel Bookings via Bank App",
      "multiplier": "20% Bonus",
      "rate": "20% Bonus Points per ₹150",
      "monthlyCap": "Uncapped",
      "note": "IDFC FIRST Bank app ke through hotel bookings par per ₹150 spend par calculated."
    },
    {
      "channel": "Flight Bookings via Bank App",
      "multiplier": "10% Bonus",
      "rate": "10% Bonus Points per ₹150",
      "monthlyCap": "Uncapped",
      "note": "IDFC FIRST Bank app ke through flight tickets booking par per ₹150 spend par calculated."
    },
    {
      "channel": "GST & Commercial Taxes",
      "multiplier": "6 Points",
      "rate": "6 Points / ₹200",
      "monthlyCap": "Uncapped",
      "note": "Mandatory government business tax filings par rewards earn hote hain."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Direct Statement Cash Credit",
      "value": "₹0.25 / Reward Point",
      "minPoints": "1,000 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Business Travel & Flights",
      "value": "₹0.25 / Reward Point",
      "minPoints": "500 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    }
  ],
  "exclusions": [
    "ATM cash withdrawals.",
    "Fuel transactions (fuel surcharge waiver ke liye eligible).",
    "Rent aur property management payments."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹0 (Lifetime Free)",
      "warn": false
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹0 (Lifetime Free)",
      "warn": false
    },
    {
      "item": "Finance Charges (Interest Rate)",
      "value": "1.00% per month (12.00% per annum)",
      "warn": false
    },
    {
      "item": "Foreign Currency Markup",
      "value": "0% (Zero Forex Markup)",
      "warn": false
    },
    {
      "item": "ATM Cash Withdrawal Limit",
      "value": "Up to 100% of credit limit",
      "warn": false
    },
    {
      "item": "Add-on Card Fee",
      "value": "₹250 per card (up to 5 cards)",
      "warn": false
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Business Entity",
      "requirement": "Sole Proprietorships, Partnerships, LLPs, Private Limited Companies, aur Self-Employed Individuals"
    },
    {
      "criteria": "Documentation",
      "requirement": "Registered GST certificate ya Udyam Registration; IDFC FIRST Bank Fixed Deposit"
    },
    {
      "criteria": "Age Requirement",
      "requirement": "18 years aur usse upar"
    },
    {
      "criteria": "Credit History",
      "requirement": "Koi prior CIBIL score ya income proof required nahi (FD par 100% guaranteed approval)"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}