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Credit Cards · India

IDFC FIRST Diamond Reserve Credit Card

Updated 3 Jul 2026Source-linked

The IDFC FIRST Diamond Reserve Credit Card is a premium credit card from IDFC FIRST Bank, with a joining fee of ₹3,000 + GST.

It earns up to 3 pts per ₹150 (≈0.4% value) on travel app bookings spends in the form of reward points (points).

Cardholders get 2 quarterly domestic + 2 quarterly international airport lounge access, plus 100% cashback up to ₹200 on joining fee as a welcome benefit.

IDFC FIRST Bank logo
IDFC FIRST Diamond Reserve Credit Card
Visa logo
  • Joining Fee₹3,000
  • Annual Fee₹3,000
  • Best Suited ForTravel
  • Reward TypeReward Points (points)
Rewards Rate
  • 3 pts per ₹150 on travel app bookings
  • Base 0.44% on other spends
Welcome Benefits
  • 100% cashback up to ₹200 on joining fee
Data verified 3 Jul 2026 — see our methodology
IDFC FIRST Bank logoIDFC FIRSTVisa logosignaturepremium
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Rewards and Benefits

Rewards Rate
3 pts per ₹150 on travel app bookings
Base 0.44% on other spends.
Reward Redemption
IDFC FIRST Rewards: Redeem at ₹0.25 per unit.
Welcome Benefits
100% cashback up to ₹200 on joining fee
Milestone Rewards
N/A
Domestic Lounge Access
2 visits each quarterly.
International Lounge Access
2 visits each quarterly.
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
  • trip delay: ₹25,000
Other Benefits
  • Railway lounge access — Complimentary railway lounge access.
  • Golf/spa privilege — 1 complimentary service a year and 10% off on the rest.

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

  • Travel & hotels₹44/mo

    You spend ₹10,000 · earns 0.4% = ₹44 uncapped

    • Valued at realized redemption value

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Online shopping₹15,000 · 0.4% = ₹66/mo
  • Groceries₹8,000 · 0.4% = ₹35/mo
  • Dining & food delivery₹8,000 · 0.4% = ₹35/mo
  • Fuel₹4,000 · 0.0% = ₹0/mo
  • Utilities & bills₹5,000 · 0.4% = ₹22/mo
Est.net rewards for this spend, realistic
₹2,429/yr

₹2,429 rewards − ₹0 annual fee. Estimate for the spend you entered.

Fees & Charges

Spend-Based Waiver
₹6,00,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
0.00%
Interest Rates
3.50% per month (42.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹200 and ₹5,000, capped at ₹300 per monthly.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)

Product Details

  • premium card issued by IDFC FIRST Bank.
  • Joining / annual fee of ₹3,000 + GST, waived on annual spends of ₹6,00,000.
  • Available on the Visa network.
  • Complimentary airport lounge access: domestic (2/quarterly) + international (2/quarterly).
  • Insurance cover bundled: trip delay.

Pros & Cons

Pros
  • Annual fee waivable on ₹6,00,000 spend.
  • Low forex markup of 0.00% — suited to international spends.
  • Complimentary international airport lounge access.
  • 24/7 concierge service.
Cons
  • No rewards on fuel spends.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

₹200 welcome benefit

  • 100% cashback up to ₹200 on joining fee
    Joining fee payment (limited period)
    Window: 30 days from issuance.

Accelerated rewards

  • 3 pts per ₹150 on travel app bookings
    Base 3X reward points (up to ~1.67% value back). Bonus 20% RP on hotels / 10% on flights via IDFC FIRST app.

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • wallet loads
  • rent
  • emi

Airport lounge access

Domestic
2 visit(s) / quarterly. Via visa, dreamfolks.
International
2 visit(s) / quarterly. Via priority-pass, loungekey.

Insurance benefits

  • trip delay: ₹25,000
    Reimbursement for non-refundable flight & hotel cancellations, up to ₹25,000.

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹200 and ₹5,000, capped at ₹300 per monthly.

Other benefits

  • Railway lounge access. Complimentary railway lounge access.
  • Golf/spa privilege. 1 complimentary service a year and 10% off on the rest.

Sources

Last verified 3 Jul 2026. Verify with the issuer before applying.

Eligibility

Age
21–60
Credit score
750+
Income (salaried)
₹12,00,000 p.a.
Income (self-employed)
₹12,00,000 p.a.
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