IFSC Code of Federal Bank, Federal Bank Co Branded Credit Cards Branch, Kerala

Use this page as a one-stop reference for everything related to Federal Bank's FEDERAL BANK CO BRANDED CREDIT CARDS branch in KALAMASSERY, KERALA. The branch's IFSC code FDRL0COCARD is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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 – FEDERAL BANK CO BRANDED CREDIT CARDS is FDRL0COCARD. The first four letters FDRL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters COCARD map to this branch in KALAMASSERY, KERALA.

Branch details at a glance

About Federal Bank

Federal Bank operates a wide network of branches across India, including the Federal Bank Co Branded Credit Cards branch in Kalamassery. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, FDRL0COCARD.

Federal Bank Co Branded Credit Cards branch overview

Located at GROUND FLOOR, INTEGRATED STARTUP COMPLEX, KINFRA HITECH PARK, KALAMASSERY, ERNAKULAM, KERALA - 683503, the Federal Bank Co Branded Credit Cards branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC FDRL0COCARD is required for all interbank electronic transfers routed through this branch.

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 FEDERAL BANK CO BRANDED CREDIT CARDS branch came to be assigned the code FDRL0COCARD.

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 FDRL0COCARD, money simply cannot be routed to the FEDERAL BANK CO BRANDED CREDIT CARDS branch electronically.

How to transfer money using IFSC FDRL0COCARD

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 FDRL0COCARD across all three.

NEFT to Federal Bank, FEDERAL BANK CO BRANDED CREDIT CARDS using IFSC FDRL0COCARD

National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.

To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC FDRL0COCARD, and confirm that the system picks up Federal Bank – FEDERAL BANK CO BRANDED CREDIT CARDS. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to FEDERAL BANK CO BRANDED CREDIT CARDS

If you need to transfer ₹2 lakh or more in one go to an account at Federal Bank's FEDERAL BANK CO BRANDED CREDIT CARDS branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC FDRL0COCARD while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Federal Bank – FEDERAL BANK CO BRANDED CREDIT CARDS, use IMPS. With IFSC FDRL0COCARD 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 FDRL0COCARD for Federal Bank – FEDERAL BANK CO BRANDED CREDIT CARDS, 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.

For most retail customers crediting the Federal Bank Co Branded Credit Cards 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 FEDERAL BANK CO BRANDED CREDIT CARDS branch, the IFSC FDRL0COCARD 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 Federal Bank Co Branded Credit Cards branch

Once you have an account at Federal Bank – FEDERAL BANK CO BRANDED CREDIT CARDS, the IFSC FDRL0COCARD 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.

Products and services

Customers walking into the Federal Bank Co Branded Credit Cards branch can access most of Federal Bank's standard product suite, including:

• Account opening – savings, current, NRI, salary
• Term deposits and recurring deposits
• Retail and small-business loans
• Insurance and mutual-fund tie-ups
• Locker, safe deposit and ATM card services
• Online and mobile banking activation
• Electronic transfers via IFSC FDRL0COCARD

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 FDRL0COCARD and the account number together uniquely identify the Federal Bank Co Branded Credit Cards branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC FDRL0COCARD

Federal Bank customers can register for net banking and the bank's official mobile app once their account at the FEDERAL BANK CO BRANDED CREDIT CARDS 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 FDRL0COCARD 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.

Common mistakes to avoid when using IFSC FDRL0COCARD

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Federal Bank – FEDERAL BANK CO BRANDED CREDIT CARDS, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: FDRL0COCARD.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

How to reach the Federal Bank Co Branded Credit Cards branch

The branch is located at GROUND FLOOR, INTEGRATED STARTUP COMPLEX, KINFRA HITECH PARK, KALAMASSERY, ERNAKULAM, KERALA - 683503, which puts it inside Kalamassery, the broader Ernakulam district, and the state of Kerala. To plan your visit:

1. Open Google Maps on your phone and search for “Federal Bank Federal Bank Co Branded Credit Cards branch” — the verified location pin for IFSC FDRL0COCARD should appear at the top of the results.
2. Confirm the branch is open by calling 484-2634415 before stepping out, especially around public holidays.
3. 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 FDRL0COCARD and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC FDRL0COCARD for Federal Bank – FEDERAL BANK CO BRANDED CREDIT CARDS, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Working hours

Branch counters at Federal Bank Co Branded Credit Cards 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 FDRL0COCARD continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code FDRL0COCARD belongs to Federal Bank's FEDERAL BANK CO BRANDED CREDIT CARDS branch, located at GROUND FLOOR, INTEGRATED STARTUP COMPLEX, KINFRA HITECH PARK, KALAMASSERY,… in KALAMASSERY, KERALA. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.