Fed StarBiz Credit Card
KeepA business overdraft with a card number — no billing, no interest, no points, no abroad.
no published earn rate to price
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Welcome: Not published — Federal advertises no joining benefit on either Fed StarBiz page, and the MITC's fee-waiver rows both read N.A.
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. Everything we can source — the fee, the charges, the migration that put this card in your hand — is above and stands on its own; this card is simply not on the board, not in the calculator, and cannot win a best-of call until Federal Bank publishes terms we can cite.
Why we decline to value some cards, and what it takes to change that →
3 notes on the card itself: how it is issued · the network variants · why it ranks #495
Why #495 Not a rewards card and not pretending to be one. Fed StarBiz is a spending instrument bolted onto a business overdraft: no billing cycle, no interest, no reward points, no international transactions. Carried under the business axis, where a fee ladder against personal cards would be meaningless.
The take
Read the MITC's charge table and the product becomes obvious in about ten seconds, because almost every row says N.A. Interest free period: not applicable, no billing on the card. Minimum repayment: not applicable. Interest on revolving credit: not applicable. Late payment charges: not applicable. Cash advance: not permitted. Foreign currency transactions: not permitted. Reward points: not applicable. Fed StarBiz is not a credit card in the sense this desk usually means — it is a payment instrument hung off an existing overdraft or cash-credit facility between ₹3 lakh and ₹50 lakh, settling straight into that account, with a daily usage ceiling of ₹3 lakh or whatever the underlying limit allows. Federal cancels it automatically if the account goes past ₹50 lakh. What it costs is ₹275 to issue and ₹275 a year, with the MITC stating flatly that there is no spend condition that waives either. A lost card is ₹225 to replace. That is the entire fee schedule, and against it you get RuPay and Visa acceptance, a five-year validity tied to the underlying account, and a 1% fuel surcharge waiver Federal advertises on the page though not in the MITC. Be careful what you read about this card elsewhere. Both StarBiz pages end with a carousel selling Federal's "3-2-1 rewards structure" in three different flavours, and every one of them belongs to a consumer card — Celesta, Imperio or Signet — sharing the same page template. Federal's own MITC for StarBiz says reward points are not applicable, and that is the document that governs.
Your renewal — keep, downgrade or cancel
There is no renewal arithmetic to run on this card yet — and a break-even we cannot source is not one we will print.
the whole desk — what changed, the downgrade, and what we cannot price →
Keep, downgrade or cancel
what we can and cannot price
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. A break-even is the spend at which value crosses a fee, and we are short one side of that sentence — so this desk prints no ladder, no crossing and no ₹0 standing in for either. What we can source about this card is under Sources.
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
Federal Bank publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and we cannot price either side of it.
What has changed under this card
- 1 Oct 2025 Federal puts a quarterly spend gate on lounge access across Signet, Imperio and Celesta issuer-wide
We price what is in force today — a change that has not happened yet is not in these numbers. the full archive for this card →
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- Linked directly to an existing overdraft or cash-credit account between ₹3 lakh and ₹50 lakh, settling into it with no separate billing cycle
- No interest at all: the MITC's revolving-credit APR row reads N.A., because there is nothing to revolve
- Issued on both RuPay and Visa — Federal's FAQ names both networks for the same product
- ₹275 to issue and ₹275 a year, with daily usage up to ₹3 lakh or the underlying limit, whichever is lower
Watch out
- Federal's MITC states reward points are not applicable — the 3-2-1 structure in the page's own footer carousel belongs to Celesta, Imperio and Signet, not to this card
- International transactions are not permitted at all, so there is no forex markup because there is no forex
- Cash withdrawal is not permitted, and there is no interest-free period because there is no billing on the card
- Neither fee is waivable: the MITC's first-year and renewal waiver rows both read N.A.
- The card is cancelled automatically, with intimation, if the underlying OD or CC account balance exceeds ₹50 lakh
- Applications go through a Business Banking RM or a branch — there is no online journey
What these points actually fly
Federal Bank has not published what this card earns, so there are no points here to fly with — not zero points, and not points that go nowhere: nothing stated either way. The moment a benefit sheet exists we will price whatever it names.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
Lounge access
0 of 793 tracked doors
No lounge access. This card opens exactly 0 of 793 tracked lounge doors — board with the crowd, or find a card that doesn't →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Direct application — no invite list, no banking relationship required.
Federal Bank publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
no MITC row researched for this card yet · filter the board by what you can get →
What's changed for this card
6 dated changes
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 23 Aug 2026Federal Bank discontinues the Jupiter Edge and Fi co-brand programmesFederal Bank issued co-branded credit cards with Europa Neomarketing (Federal Edge, sold as Jupiter Edge) and Fi Brand (AmpliFi, SimpliFi, MagniFi). → Both programmes discontinued. Federal's co-branded index carries two support mailboxes for existing holders and nothing else.
Federal Bank's co-branded credit-card index, stamped "Last Updated On : 23 Aug 2026", says it plainly: the programmes run with Europa Neomarketing and Fi Brand "have been discontinued". The three Fi siblings were already carried as closed on this board; the Jupiter Edge was the row nobody flipped, and it sat at `availability: open` until today. Recorded as a launch-class event because what changed is the PROGRAMME, not a price — no fee moved and no rate was cut. The card simply stopped being something a reader could get, which is the one fact a shelf must never be wrong about. Note the disagreement rather than resolving it: jupiter.money still sells the card with a live apply funnel, so a reader can currently apply for a product the issuing bank says is discontinued. The issuer's word governs the shelf; the partner's page is recorded in the card's watchOut. Federal's notice does NOT name the CSB-issued Edge cards, so nothing here reaches them.
- 20 Mar 2026The Federal Fi credit-card programme ends and reward accrual stops
- 27 Feb 2026Scapia doubles the lounge bar and kills its easiest earn
- 1 Oct 2025Federal puts a quarterly spend gate on lounge access across Signet, Imperio and Celesta
- 20 Jun 2023Scapia launches: 0% forex and unlimited lounges, for free
- 3 Sept 2021Federal Bank deals its first own cards — Celesta on top
Every Federal Bank change we've dated → 6 events since 2021, 2 of them nerfs — worst year 2025.
Verified against Federal Bank's own documents on
Not published , and we will not invent it: the earn rate and the currency it earns.
Every document behind this page — 2 of them, each with the day we read it
- official Fed StarBiz MITC — the ₹275 issuance and annual fees, the ₹3 lakh to ₹50 lakh eligibility band, and the row that reads Reward Points: Not Applicable
- official Fed StarBiz product page and FAQ — the OD/CC linkage, the ₹3 lakh daily ceiling, the five-year validity and the sentence naming both networks