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 Diamond Reserve Credit Card
- 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
IDFC FIRSTsignaturepremiumRewards 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.
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.
₹200 welcome benefit
- 100% cashback up to ₹200 on joining feeJoining fee payment (limited period)Window: 30 days from issuance.
Accelerated rewards
- 3 pts per ₹150 on travel app bookingsBase 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: ₹25,000Reimbursement 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
- : www.idfcfirst.bank.in · retrieved 3 Jul 2026
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.