Fed StarBiz Credit Card
A specialized commercial credit instrument linked directly to an existing Federal Bank Overdraft (OD) or Cash Credit (CC) facility up to ₹50 Lakhs. It provides sole proprietors and MSME entrepreneurs with instant point-of-sale procurement capabilities with daily spend limits up to ₹3 Lakhs, debited straight to their business overdraft ledger.
Why We Recommend The Fed StarBiz Credit Card
A practical commercial credit tool that bridges small business overdraft facilities with point-of-sale card acceptance.
Traders, manufacturers, and small business owners needing direct card access to their bank overdraft limit.
Welcome Gift & Activation Benefits
* Welcome benefits are typically unlocked upon payment of the joining fee and initial card activation within 30 to 90 days.
Grofi Expert Rating
Our ratings assess real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and user transparency.
How Much Can You Save with the Fed StarBiz Credit Card?
Adjust your expected monthly card spends to calculate your real annual rewards and net savings.
Includes flight & hotel bookings, partner brands (Amazon, Swiggy, Flipkart), dining, and online shopping.
* Reward Point Value: Direct liquidity utility on statement credit or travel bookings.
Based on annual spending of ₹6,00,000.
Fees & Charges Breakdown for Fed StarBiz Credit Card
Zero hidden costs. Complete fee schedule verified with FEDERAL Bank official guidelines.
One-time fee charged on the first statement
Billed annually starting from the 2nd year
Annual fee reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate on revolving card balances
Fee on ATM cash withdrawals via credit card
From the first day of billing cycle till due date
Airport Lounge Privileges on the Fed StarBiz Credit Card
Experience gourmet dining, quiet workspaces, and premium comforts before every flight.
Not available
Valid across 40+ domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.
Not available
Access over 1,300+ luxury airport lounges globally across Dubai, London Heathrow, Singapore Changi, New York JFK, Frankfurt, and Doha.
What Makes Fed StarBiz Credit Card Stand Out?
Discover the top benefits, special offers, and protections engineered into this card.
Linked directly to existing Federal Bank Overdraft (OD) or Cash Credit (CC) accounts.
Daily usage spend limit of up to ₹3,00,000 for vendor and procurement purchases.
Eliminates separate credit card statements; all charges integrate into the business OD account ledger.
Pros & Cons of the Fed StarBiz Credit Card
An honest, transparent evaluation of strengths and limitations before you submit your application.
What We Love (Pros)
- Simplifies business bookkeeping by consolidating card spending into existing OD accounts.
- High purchasing capacity for inventory, raw materials, and utility payments.
- Nominal issuance and maintenance fee (₹275/year).
Things to Consider (Cons)
- Does not offer consumer perks like reward points or airport lounges.
- Requires an active Federal Bank Overdraft/CC account.
- Restricted to sole proprietors and individual business owners under MSMED Act.
Who Can Apply for the Fed StarBiz Credit Card?
Review minimum income, credit score thresholds, and essential verification documents.
Net in-hand monthly or annual earnings
Primary applicant (18+ for add-ons)
With continuous employment proof
With valid Indian address proof
700+ Score Recommended
Applicants with a credit score of 700 or higher enjoy fast-tracked approval and preferential credit limits from FEDERAL Bank.
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Proof
Aadhaar Card (linked with mobile number for OTP), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or e-PAN copy required by RBI guidelines for all credit applications.
Proof of Income
Salaried: Last 3 months' salary slips or bank statements. Self-employed: Latest ITR computation.
Everything You Need to Know About Fed StarBiz Credit Card
Clear answers to common questions regarding annual fees, reward redemption, lounge rules, and delivery.
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Ready to Apply for the Fed StarBiz Credit Card?
Check your pre-approved credit limit and instant approval eligibility across FEDERAL Bank with 100% paperless verification and zero score impact.