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Federal Bank
Federal StarBiz Credit Card
Shopping
1st Year Fee: ₹275* Plus Applicable Taxes
Business
Linked to OD/CC with up to Rs. 50 Lakh limit
Payment
Daily transaction limit of up to Rs. 3 Lakh
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About Federal StarBiz Credit Card
Federal StarBiz Credit Card is a business credit card designed for Federal Bank customers who maintain an Overdraft (OD) or Cash Credit (CC) account with the bank. Unlike regular business credit cards that come with a separate credit limit, this card is linked to the consumer’s existing OD/CC account, allowing businesses to conveniently access their sanctioned working capital limit for day-to-day expenses. It supports POS, online, and contactless (Tap & Pay) transactions, making business payments quick and hassle-free. With benefits like high daily transaction limits, and wide acceptance across merchants accepting RuPay and Visa cards, Federal StarBiz Credit Card can be a suitable option for day-to-day business transactions.
Note: This Card is not available on Paisabazaar. The content on this page is for information only. To express interest in this card, please visit Federal Bank’s website.
Key Features & Benefits
- Linked to the existing Overdraft (OD) or Cash Credit (CC) account with limits up to Rs. 50 Lakh
- No separate credit card bill or statement, as all transactions are reflected in the linked OD/CC account
- Can be used for POS, online, and contactless (Tap & Pay) transactions
- Daily transaction limit of up to Rs. 3 Lakh or the available limit in the linked OD/CC account, whichever is lower
- Accepted at millions of merchant outlets across India wherever RuPay and Visa cards are accepted
- Offers a safer payment experience for both online and offline business spends
Federal StarBiz Credit Card: Fees & Charges
| Fee Type | Amount |
|---|---|
| Joining Fee | Rs. 275 + Taxes |
| Annual Fee | Rs. 275 + Taxes |
| Finance Charges | Nil |
| Late Payment Charges | Nil |
Things to Know Before you apply
Get this card if
You already have a Federal Bank Overdraft or Cash Credit account
You want to access your OD/CC limit conveniently through a business credit card
You are looking for a simple payment solution for business expenses without managing a separate credit card bill
You frequently make POS, online, or contactless business transactions
Eligibility Criteria
Applicants must have a Federal Bank Overdraft (OD) or Cash Credit (CC) account with a sanctioned limit between Rs. 3 Lakh and Rs. 50 Lakh
Paisabazaar Review
What do we like about this card?
Federal StarBiz Credit Card works on a different structure from regular business credit cards by functioning as an extension of an existing Overdraft or Cash Credit account rather than offering a separate credit limit. This makes it a convenient payment tool for businesses that regularly use working capital limits to manage operational expenses. While the card does not offer reward points, cashback, or premium business privileges, it focuses on utility, security, and operational convenience. Overall, it is best suited for existing Federal Bank business customers seeking an option to utilise their sanctioned OD/CC limits for routine business transactions.
Pros
- Linked directly to the existing OD/CC account, eliminating the need for a separate credit limit
- Supports POS, online, and Tap & Pay transactions for business payments
- No separate card statement, making account management simpler
- High daily transaction limit of up to Rs. 3 Lakh
Cons
- Available only to customers with a Federal Bank Overdraft or Cash Credit account
- Does not offer reward points, cashback, or milestone benefits
- No travel, lifestyle, or fuel-related benefits
- Transaction limit depends on the available balance in the linked OD/CC account
Frequently Asked Questions
Everything you need to know about this credit card
Federal StarBiz Credit Card is a business credit card offered to Federal Bank customers who have an Overdraft (OD) or Cash Credit (CC) account with the bank. The card is linked to the existing OD/CC account instead of offering a separate credit limit.
Applicants must have a Federal Bank Overdraft (OD) or Cash Credit (CC) account with a sanctioned limit between Rs. 3 Lakh and Rs. 50 Lakh to be eligible for this card.
No. The card uses the available limit of the linked Overdraft or Cash Credit account. It does not provide a separate credit limit like a regular business credit card.
The card can be used for POS, online (e-commerce), and contactless (Tap & Pay) transactions at merchants accepting RuPay and Visa cards.
Cardholders can make transactions of up to Rs. 3 Lakh per day or up to the available limit in the linked OD/CC account, whichever is lower.
If the sanctioned limit on the linked Overdraft or Cash Credit account exceeds Rs. 50 Lakh, Federal StarBiz Credit Card linked to the account will be automatically cancelled by the bank after notifying the cardholder.
Footnotes
- If the sanctioned limit on the linked OD/CC account exceeds Rs. 50 Lakh, Federal Bank StarBiz Credit Card linked to the account will be automatically cancelled by the bank after notifying the cardholder.
Click here to know More Terms and Conditions
Shruti Sharma
Shruti Sharma is a skilled content writer with a passion for simplifying personal finance for consumers. Specializing in credit cards and financial planning, she offers valuable insights that empower individuals to make informed financial choices. Through her writing, she shares practical tips and guides readers through the nuances of credit card usage.
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