MyFinCards
Fed StarBiz Visa Credit Card

Joining Fee

₹275

Annual Fee

Rs. 275 + Taxes

Federal Bank
Business
Best For: MSME business owners with existing Federal Bank OD/CC accounts, Sole proprietors needing a business payment card

Fed StarBiz Visa Credit Card

Pros

  • Linked to existing OD/CC account — no separate credit limit needed
  • No separate statements simplifies accounting
  • Supports contactless, POS and Ecom transactions
  • Low joining and annual fee of ₹275 + GST

Cons

  • Limited to individuals and sole proprietors only
  • Daily transaction cap of ₹3 lakhs
  • No rewards or cashback program mentioned
  • Requires MSME registration

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Card limit is capped at underlying OD/CC account limit (max ₹50 lakhs)

Renewal requires reapplication based on OD/CC account status

Key Benefits & Features

Linked to OD/CC account with limits up to ₹50 lakhs for seamless business finance integration.

Supports POS, Ecom and Tap and Pay (Contactless) transactions.

Daily transaction limit up to ₹3 lakhs or available OD/CC limit, whichever is lower.

No separate card statements; all transactions reflect in underlying OD/CC account.

Enhanced security via tokenization and encryption.

Contactless payments up to ₹5,000 without PIN; up to ₹50,000 with PIN.

Card validity of 5 years subject to underlying account status.

Eligibility Criteria

Occupation

SELF_EMPLOYED

Required Documents

IDENTITY Proof

Duly signed application form mentioning underlying account number and details
Official Terms & Conditions

About Fed StarBiz Visa Credit Card

The Federal Bank Fed StarBiz Visa Credit Card is a business-focused payment solution designed specifically for MSME owners who hold an existing Overdraft (OD) or Cash Credit (CC) account with Federal Bank. The card is directly linked to the underlying OD/CC account with limits up to ₹50 lakhs, enabling seamless integration with the cardholder's existing business finances. It carries a validity of 5 years, subject to the status of the underlying account, and supports POS, e-commerce, and Tap and Pay (contactless) transactions. One of the card's standout features is its simplified financial management — all card transactions are reflected directly in the underlying OD/CC account, eliminating the need for separate card statements. Daily transaction limits are set at up to ₹3 lakhs or the available balance in the underlying account, whichever is lower. The card also offers enhanced security through tokenization and encryption and is accepted at millions of merchants across India on the Visa network. Eligibility is limited to Indian residents who are individuals or sole proprietors registered under the MSMED Act 2006, engaged in manufacturing or service activities, with an active OD/CC account. The card comes with a nominal joining and annual fee of ₹275 plus applicable taxes, making it an affordable and practical tool for everyday business transactions.

Expert Review

Our Verdict

Business credit card linked to OD/CC account for MSME owners with daily limit up to ₹3 lakhs.

Frequently Asked QuestionsAbout Fed StarBiz Visa Credit Card

BENEFITSWhat is the Fed StarBiz Visa Credit Card?
The Fed StarBiz Visa Credit Card is a business credit card issued by Federal Bank, linked to your existing Overdraft (OD) or Cash Credit (CC) account with limits up to ₹50 lakhs. It allows cardholders to make payments for purchases at POS terminals, online platforms, and via contactless (Tap and Pay) transactions, seamlessly integrating with your business finances. The card comes with a validity of 5 years, subject to the underlying account status.
ELIGIBILITYWhat are the eligibility criteria for the Fed StarBiz Visa Credit Card?
To be eligible for the Fed StarBiz Visa Credit Card, you must: have an active OD/CC account with Federal Bank with limits up to ₹50 lakhs; be an individual or sole proprietor (partnerships and companies are not eligible); be registered under the MSMED Act 2006, engaged in manufacturing or service activities; and be an Indian resident. You must also be an existing Federal Bank OD/CC account holder.
FEESWhat are the joining and annual fees for the Fed StarBiz Visa Credit Card?
The Fed StarBiz Visa Credit Card comes with a joining fee of ₹275 + applicable GST and an annual membership fee of ₹275 + applicable GST. In case of card reissuance or replacement (due to loss or damage), a reissuance fee of ₹225 + applicable GST will be charged. There is no late payment fee applicable, as all repayments are managed through the underlying OD/CC account.
USAGEWhat is the daily transaction limit on the Fed StarBiz Visa Credit Card?
The Fed StarBiz Visa Credit Card allows daily transactions of up to ₹3 lakhs or the available limit on the underlying OD/CC account, whichever is lower. This applies across all transaction modes including POS, e-commerce, and contactless (Tap and Pay) payments. The overall card limit is determined by the sanctioned limit on your linked OD/CC account.
USAGEWhat types of transactions does the Fed StarBiz Visa Credit Card support?
The Fed StarBiz Visa Credit Card supports three modes of transactions: POS (Point of Sale) transactions at merchant outlets, E-commerce (Ecom) transactions for online purchases, and Tap and Pay (contactless) transactions at NFC-enabled POS machines. Contactless payments can be made up to ₹5,000 without a PIN, and up to ₹50,000 with a PIN. The card is accepted at millions of merchants across India wherever Visa is accepted.
APPLICATIONHow do I apply for the Fed StarBiz Visa Credit Card?
You can apply for the Fed StarBiz Visa Credit Card by submitting a duly signed application form at your nearest Federal Bank branch, mentioning the underlying OD/CC account number and details. You can also reach out to your Business Banking Relationship Manager (RM) for assistance. To track your application status, contact the branch staff or your Business Banking RM directly.
DOCUMENTSWhat documents are required to apply for the Fed StarBiz Visa Credit Card?
To apply for the Fed StarBiz Visa Credit Card, you need to submit a duly signed application form mentioning your underlying OD/CC account number and details. As the card is linked to your existing OD/CC account, you should also have your MSME registration documents ready. Since eligibility is tied to your existing Federal Bank OD/CC account, extensive additional documentation may not be required beyond your account details.
USAGEHow do I generate or set a PIN for my Fed StarBiz Visa Credit Card?
You can generate your Fed StarBiz Visa Credit Card PIN via two methods: (1) At a Federal Bank ATM — insert your card, select 'Soft PIN/PIN Change', generate a Soft PIN sent to your registered mobile (valid 24 hours), then set your new PIN. (2) Via IVR — dial 04846716700 or 04842846699 from your registered mobile, enter your card's last 6 digits, date of birth (DDMMYYYY), expiry date (MMYY), and set your new 4-digit PIN.
USAGEHow are repayments handled for the Fed StarBiz Visa Credit Card?
Repayments for the Fed StarBiz Visa Credit Card are managed directly through the underlying OD/CC account as per the agreed process — there is no separate credit card billing cycle or statement. All card transactions reflect in the underlying OD/CC account, eliminating the need for separate card statements. This makes accounting simpler for business owners. No late payment fee is applicable on the card, as repayment follows the OD/CC account terms.
OTHERHow can I dispute a transaction on my Fed StarBiz Visa Credit Card?
You can dispute a transaction within 30 days of making it. To raise a dispute, visit your nearest Federal Bank branch, or call the toll-free numbers 1800-420-1199 / 1800-425-1199, or reach out via email at creditcards@federalbank.co.in. If unsatisfied with the resolution, escalate to support@federalbank.co.in. Billing disputes are typically resolved within 14 working days, and you will be informed of the resolution via SMS, email, or call.
REWARDSDoes the Fed StarBiz Visa Credit Card offer any rewards or cashback?
The Fed StarBiz Visa Credit Card does not feature a dedicated rewards or cashback program. It is primarily designed as a business utility card that provides seamless integration with your existing OD/CC account, simplified accounting through consolidated statements, and secure transaction support across POS, e-commerce, and contactless modes. Business owners looking for rewards-based cards may want to explore other Federal Bank credit card offerings.
INTERNATIONALCan I use the Fed StarBiz Visa Credit Card for international transactions?
The page content does not explicitly mention international transaction support for the Fed StarBiz Visa Credit Card. The card is primarily described for use at merchants across India wherever Visa is accepted. For specific information about international usage, forex markup charges, or overseas transaction capabilities, it is recommended to contact your nearest Federal Bank branch or Business Banking RM, or call the toll-free number 1800-420-1199 / 1800-425-1199.
USAGEHow can I manage or control transactions on my Fed StarBiz Visa Credit Card?
You can enable or disable online and contactless transactions on your Fed StarBiz Visa Credit Card through two methods: (1) Via IVR — dial 04846716700 or 04842846699 from your registered mobile and follow the prompts to enable/disable e-commerce or contactless transactions. (2) Via FedNet Internet Banking — log in and navigate to Card Services → Manage Card. To manage domestic transaction limits, go to FedNet → Card Services → Manage Card → Manage Transaction Limits.
OTHERHow can I increase the credit limit on my Fed StarBiz Visa Credit Card?
The credit limit on the Fed StarBiz Visa Credit Card is directly linked to your underlying OD/CC account limit. To increase your card limit, you need to apply for an enhancement of your OD/CC account limit through the regular process at your Federal Bank branch or by contacting your Business Banking Relationship Manager. The card limit cannot be increased independently of the underlying account and is capped at a maximum of ₹50 lakhs.
CANCELLATIONWhat should I do if my Fed StarBiz Visa Credit Card is lost or stolen?
If your Fed StarBiz Visa Credit Card is lost or stolen, immediately contact Federal Bank's customer service via toll-free numbers 1800-420-1199 or 1800-425-1199, or call +91 484 2630994 (for overseas calls). You can also visit your nearest Federal Bank branch to report the loss. A replacement card can be issued with a reissuance fee of ₹225 + applicable GST. It is advisable to disable your card transactions immediately through FedNet or IVR to prevent unauthorized use.

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