Corporate Business Expense Credit Card with Global Visa Acceptance & ₹50K Waiver
Corporate travel, SaaS subscriptions, digital marketing expenses, and formal MSME procurement.
₹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 Visa Credit Card is an essential business financial tool developed for enterprises, startups, and growing MSMEs that require widespread global merchant acceptance for corporate expenses. Powered by the Visa commercial network, it handles international cloud software subscriptions, advertising overhead (Google Ads, Meta Ads), and corporate travel arrangements with ease. Cardholders earn 2 Reward Points per ₹100 spent on commercial utility payments, air tickets, hotel reservations, and business software, with detailed monthly expense reporting that integrates directly into corporate accounting software. The annual maintenance fee is set at a modest ₹499, which is waived on spending ₹50,000 annually. Built-in corporate liability protections protect enterprises from unauthorized employee transactions. Who should consider it: Small and medium business owners who spend consistently on online business services, SaaS tools, and corporate travel. Who should avoid it: Sole proprietors who prioritize UPI QR scanning at local retail shops, where the RuPay variant is significantly more convenient.
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: Commercial enterprises, MSMEs, and proprietorships holding a Current Account with Federal Bank with minimum 1-year operational history. • Joining Fee: ₹499 + GST; Annual Renewal Fee: ₹499 + GST (Waived on spending ₹50,000 or more in previous card year). • Commercial Rewards: 2 Reward Points per ₹100 on digital marketing, business software, travel, and utility payments. • Worldwide Visa Acceptance: Accepted at over 100 million merchants and online platforms globally. • Consolidated Business Reporting: Dedicated monthly statements capturing vendor GSTIN details for tax audit compliance. • Fuel Surcharge: 1% fuel surcharge waiver for transactions between ₹500 and ₹3,000 (maximum waiver ₹250 per month). • Corporate Liability Waiver: Enterprise protection against misuse upon timely reporting of card loss.
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 Visa 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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