IDFC FIRST Diamond Reserve Credit Card
Card Details
Card Details
- Issuer
- IDFC FIRST Bank
- Card type
- Premium
- Joining fee
- ₹3,000 + GST
- Annual fee
- ₹3,000 + GST
- Rewards currency
- Reward Points
Highlights
Highlights
- Zero Forex Markup
- BOGO Movies up to ₹500 (twice/month)
- 8 Domestic + 8 International Lounge Visits/Year
- Annual Fee Waiver on ₹6L Spend
Welcome, annual & renewal benefits
Welcome, annual & renewal benefits
- Joining/Annual Fee: ₹3,000 + GST.
- Welcome: ₹500 gift voucher on ₹5,000 spend within 30 days.
- Annual fee waiver on ₹6L annual spend.
- Add-on card: ₹499.
Reward earning
Reward earning
| Spend type | Earn rate |
|---|---|
| Spends above ₹20,000/month | 10 RPs / ₹150 |
| Spends up to ₹20,000/month | 3 RPs / ₹150 |
| Insurance & Utilities | 1 RP / ₹150 |
| Hotel via IDFC Travel Shop | 60 reward points / ₹150 |
| Flights via IDFC Travel Shop | 30 reward points / ₹150 (on flights) |
- 1 Reward Point = ₹0.25.
- Reward Points never expire.
- No RPs on international spends, fuel, EMI, cash withdrawals.
Additional Benefits
Additional Benefits
- Domestic Lounge: 2 visits/quarter (primary + add-on shared).
- International Lounge: 2 visits/quarter (primary + add-on shared).
- Railway Lounge: 4 visits/quarter.
- BOGO movie tickets up to ₹250 on District app (twice/month).
- Golf: 2 rounds/lessons per month (on ₹40K spend).
- Trip cancellation cover: ₹25,000 (twice/year).
- Forex markup: Zero (0%).
Review
Review
A mid-range premium card from IDFC with zero forex and lounge access. The ₹500 welcome benefit feels underwhelming for the ₹3,000 fee. Good Travel benefits.