Below are the complete branch details for Federal Bank, CREDIT CARD branch, located in ALUVA, KERALA. The IFSC assigned by the Reserve Bank of India to this branch is FDRL00CARDS. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case FDRL00CARDS for Federal Bank – CREDIT CARD — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.
The IFSC for Federal Bank – CREDIT CARD is FDRL00CARDS. The first four letters FDRL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 0CARDS map to this branch in ALUVA, KERALA.
Branch details at a glance
| Bank Name | Federal Bank |
|---|---|
| Branch | Credit Card |
| IFSC Code | FDRL00CARDS |
| MICR Code | Refer to cheque leaf |
| Branch Address | THE FEDERAL BANK LTD,PARACKAL TOWERS, PARUR JUNCTION, THOTTAKATTUKARA, KERALA - 683102 |
| City | Aluva |
| District | Ernakulam |
| State | Kerala |
| STD Code | 484 |
| Phone | 2635100 |
Bank profile
Federal Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Credit Card branch — IFSC FDRL00CARDS — extends the bank's services to customers in and around Aluva, Kerala.
About this branch
The branch is located at THE FEDERAL BANK LTD,PARACKAL TOWERS, PARUR JUNCTION, THOTTAKATTUKARA, KERALA - 683102. It serves the Aluva region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Federal Bank. The IFSC FDRL00CARDS is used to identify this branch on the RBI payments network.
The role of IFSC in India's payments network
India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Federal Bank's CREDIT CARD branch came to be assigned the code FDRL00CARDS.
Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC FDRL00CARDS, money simply cannot be routed to the CREDIT CARD branch electronically.
How to transfer money using IFSC FDRL00CARDS
Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC FDRL00CARDS across all three.
How to use IFSC FDRL00CARDS for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Federal Bank's CREDIT CARD branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC FDRL00CARDS.
- Confirm the bank name auto-populates as Federal Bank and the branch as CREDIT CARD.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC FDRL00CARDS
RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Federal Bank – CREDIT CARD, ensure your bank's portal accepts IFSC FDRL00CARDS while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Federal Bank – CREDIT CARD, use IMPS. With IFSC FDRL00CARDS and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC FDRL00CARDS for Federal Bank – CREDIT CARD, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – FDRL00CARDS | Yes – FDRL00CARDS | Yes – FDRL00CARDS |
For most retail customers crediting the Credit Card branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.
How UPI relates to the IFSC code
UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Federal Bank's CREDIT CARD branch, the IFSC FDRL00CARDS is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.
That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.
Account types you can open at the Credit Card branch
Once you have an account at Federal Bank – CREDIT CARD, the IFSC FDRL00CARDS stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Banking services available
The Credit Card branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 484-2635100.
- Savings, current and salary accounts
- Fixed deposits and recurring deposits
- Personal, vehicle and home loans
- Demat and investment products (where supported)
- Internet banking and mobile banking enrolment
- Debit and credit card issuance
- Locker facilities (subject to availability)
- Foreign exchange services (at authorised branches)
- Bill payments, demand drafts and pay orders
- NEFT / RTGS / IMPS / UPI fund transfers using IFSC FDRL00CARDS
MICR code & cheque clearing
Apart from IFSC, every cheque book issued by Federal Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC FDRL00CARDS and the account number together uniquely identify the Credit Card branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC FDRL00CARDS
Federal Bank customers can register for net banking and the bank's official mobile app once their account at the CREDIT CARD branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC FDRL00CARDS is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.
Things to verify before sending money
Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Federal Bank – CREDIT CARD:
- The IFSC is exactly FDRL00CARDS with no extra spaces.
- The beneficiary's account number matches what they shared, digit for digit.
- The portal auto-fills Federal Bank as the bank name and CREDIT CARD as the branch.
- The amount and the purpose of payment are correct.
- You have a valid OTP-verifying mobile number on hand.
A 30-second review here saves hours of reconciliation later.
How to reach the Credit Card branch
The branch is located at THE FEDERAL BANK LTD,PARACKAL TOWERS, PARUR JUNCTION, THOTTAKATTUKARA, KERALA - 683102, which puts it inside Aluva, the broader Ernakulam district, and the state of Kerala. To plan your visit:
- Open Google Maps on your phone and search for “Federal Bank Credit Card branch” — the verified location pin for IFSC FDRL00CARDS should appear at the top of the results.
- Confirm the branch is open by calling 484-2635100 before stepping out, especially around public holidays.
- Carry photo ID and any account-related documents you may need for the transaction you plan to do.
Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC FDRL00CARDS and your account number.
Verifying IFSC FDRL00CARDS from official sources
The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm FDRL00CARDS by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 484-2635100.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Credit Card are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to FDRL00CARDS continue to work without interruption.
Branch address & contact
Federal BankCredit Card Branch
THE FEDERAL BANK LTD,PARACKAL TOWERS, PARUR JUNCTION, THOTTAKATTUKARA, KERALA - 683102
Aluva, Kerala
Phone: 484-2635100
IFSC: FDRL00CARDS
Frequently asked questions
Is IFSC FDRL00CARDS the same for all accounts at Credit Card branch?
Yes. The IFSC FDRL00CARDS is shared by every account held at Federal Bank's Credit Card branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using FDRL00CARDS be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Federal Bank – Credit Card reflect within 30 minutes.
What is the phone number of Federal Bank Credit Card branch?
You can reach the branch at 484-2635100 during regular banking hours.
Can I use IFSC FDRL00CARDS for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC FDRL00CARDS to send funds instantly.
Is IFSC FDRL00CARDS valid for NEFT and RTGS?
Yes. IFSC FDRL00CARDS is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Does Federal Bank Credit Card branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 484-2635100 to confirm.
Where is Federal Bank Credit Card branch located?
Federal Bank's Credit Card branch is located at THE FEDERAL BANK LTD,PARACKAL TOWERS, PARUR JUNCTION, THOTTAKATTUKARA, KERALA - 683102, Aluva, Kerala.
Final notes
To recap: FDRL00CARDS is the IFSC code of Federal Bank, CREDIT CARD branch, in ALUVA, KERALA. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.
