Fed StarBiz Credit Card
Federal Bank · Open to apply
A business card on the debit side of a Federal overdraft or cash credit account (limit ₹3 lakh to ₹50 lakh): it is not a revolving credit card. The limit is the account's available limit, spend is repaid in the underlying account, there is no separate statement, interest-free period, late fee, cash withdrawal, foreign use or rewards. The cost is ₹275 + GST to issue and ₹275 + GST a year.
- Annual fee
- ₹275 + GST a year
- Joining fee
- ₹275 + GST
- Base rate
- No rewards on any spend: 0% in No rewards
- Lounges
- None on record
- Forex markup
- 0%
- Data
- From bank documents, checked 6 Nov 2026
Earns nothing on
- No rewards on any spend
Where the sources disagree
- underlying account limit: The MITC and card agreement say the card is issued to OD or CC accounts with limits between ₹3,00,000 and ₹50,00,000. The product pages say limits "up to 50 lakh" with no lower bound. We use the MITC.
Terms the calculator does not value
- This is a business payment card on an overdraft or cash credit account, not a consumer credit card. It earns nothing, so the calculator shows only its fees. Its real cost depends on the underlying OD or CC account's interest rate, which is not stated.
- The card agreement says the card may be used only for bona fide business purposes and not for personal purchases such as groceries or jewellery.
- The card cannot be used abroad or for cash ("No International transactions permitted", "No cash withdrawal permitted"). The schema has no "not available" value, so forex markup, DCC markup and cash advance fee are recorded as 0: read them as "not offered", not as a zero-markup card.
- Insurance: the monthly cap of Federal's general MITC, section 6 ("The Reward Points accrued for Insurance transactions (6300 & 5960) will have a monthly capping of 250 points per card per calendar month"), does not apply. That section's table covers "Signet", "Imperio", "Celesta" and "Wave" (and VALUEMAX), and this card earns nothing: its own MITC says "5. Reward Points: Not Applicable."
Sources
- Fed StarBiz Credit Card Visa page (last updated 2026-06-08) (Product page, the bank's own, read 20 Oct 2026)
- Fed StarBiz Credit Card RuPay page (last updated 2026-04-14) (Product page, the bank's own, read 20 Oct 2026)
- Fed StarBiz Credit Card Most Important Terms and Conditions (MITC) (Most important terms (MITC), the bank's own, read 20 Oct 2026)
- Fed StarBiz Credit Cards General Terms and Conditions (card agreement) (Reward terms, the bank's own, read 20 Oct 2026)