Commercial Business Credit Card with RuPay UPI & Streamlined GST Invoicing
Small business owners, commercial merchant payments, digital tax settlements, and business UPI transactions.
₹499
One-time upfront₹499
Waived on ₹50,000 annual spendRewards Redemption
On eligible spends3.50% + GST
Cross-currency spendsLast verified 3 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The Federal Bank Fed StarBiz RuPay Credit Card is a purpose-built commercial credit product created for small business owners, traders, and MSME proprietors who maintain current accounts with Federal Bank. Designed to separate business overhead from personal expenditure, it provides working capital liquidity with comprehensive expense tracking. Operating on the RuPay commercial network, the card allows proprietors to scan vendor UPI QR codes directly from their credit line, solving daily cash-flow friction at local suppliers. The card earns 2X reward points on all commercial purchases and digital utility bills, with consolidated monthly GST-compliant statements that simplify accounting and tax input credit claims. The annual fee of ₹499 is waived on achieving an easily attainable ₹50,000 annual spend. Who should consider it: Small business proprietors and merchants seeking a dedicated UPI-enabled commercial credit card with low maintenance overhead. Who should avoid it: Large corporate enterprises requiring sophisticated multi-tier employee card limits and travel management software integration.
Rewards Redemption
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Commercial Spends & Utilities | 2 Reward Points per ₹100 spent on business expenses (0.50% value; 1 RP = ₹0.25) | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Commercial Spends & Utilities | ₹30,000 | 2 Reward Points per ₹100 spent on business expenses (0.50% value; 1 RP = ₹0.25) | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹499
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
This card is tailored primarily for shopping rewards, cashback, or specific co-branded spend and does not include complimentary airport lounge visits.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Eligibility: Sole Proprietors, Partners, and Directors holding an active Current Account with Federal Bank with verified business vintage. • Joining Fee: ₹499 + GST; Annual Renewal Fee: ₹499 + GST (Waived on spending ₹50,000 in previous anniversary year). • Business Rewards: 2X Reward Points on POS and RuPay UPI commercial merchant transactions; 1 point per ₹100 on standard utility spends. • RuPay UPI Commercial Integration: Linkable to UPI apps for direct vendor payments via QR code. • GST Invoicing Support: Detailed itemized business statements with vendor GSTIN capture for easy tax filing. • Fuel Surcharge: 1% fuel surcharge waiver for transactions between ₹500 and ₹3,000 (maximum waiver ₹250 per month). • Exclusions: Cash advances and personal non-business transfers are restricted under commercial card terms.
Evaluate whether this card's perks and waiver threshold justify its ₹499 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Common questions regarding Federal Bank Fed StarBiz RuPay Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official Federal Bank portal with paperless verification.
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