The Diamond Reserve Savings Account is an ultra-premium, invitation-only savings account offered by IDFC FIRST Bank. It is designed for customers who value exclusivity, convenience, and a high-end banking experience. This account is available only to select individuals who receive a direct invitation from the bank.
For customers whose financial profile and lifestyle align with premium banking benefits, the Diamond Reserve Savings Account can be a powerful all-in-one solution.
Key Features of IDFC Diamond Reserve Savings Account
IDFC FIRST Bank offers zero-fee banking across all its savings accounts, and the Diamond Reserve variant takes this promise to the next level.
Key benefits include:
- Zero fees on fund transfers, ATM withdrawals, cheque books, and demand drafts
- Simple and transparent banking with no hidden charges
- Attractive interest rate of up to 7% per annum on savings balances
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Diamond Reserve Debit Card Benefits
The Diamond Reserve Savings Account comes with a dedicated Diamond Reserve Debit Card that unlocks several premium lifestyle and travel benefits.
Zero Forex Markup
Cardholders can make international transactions without paying any foreign exchange markup. This applies to overseas shopping, dining, and travel spends, helping customers save significantly on global transactions.
High Transaction Limits
| Transaction Type | Daily Limit |
|---|---|
|
Cash Withdrawal |
₹7,00,000 |
|
Purchase Limit |
₹12,00,000 |
These high limits make the debit card suitable for high-value transactions without frequent restrictions.
Travel and Airport Lounge Benefits
Diamond Reserve debit cardholders receive complimentary domestic airport lounge access, making travel more comfortable.
| Benefit | Details |
|---|---|
|
Domestic Lounge Access |
3 complimentary visits per quarter |
Golf Privileges
Golf enthusiasts can enjoy exclusive privileges with the Diamond Reserve Debit Card.
| Golf Benefit | Details |
|---|---|
|
Golf Lessons |
1 complimentary lesson per month |
|
Green Fee Rounds |
4 complimentary rounds per year at premium courses in India |
Vehicle and Emergency Assistance
Cardholders receive complimentary roadside assistance services for unexpected situations.
| Service Coverage | Details |
|---|---|
|
Roadside Assistance |
4 complimentary services per year |
|
Availability |
24/7 |
|
Services Included |
Towing, battery jump-start, flat tyre assistance |
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Insurance Coverage
The Diamond Reserve Debit Card offers extensive insurance protection, enhancing peace of mind for cardholders.
| Insurance Type | Coverage Amount |
|---|---|
|
Personal Accident Cover |
₹1 Crore |
|
Air Accident Cover |
₹2.5 Crore |
|
Lost Card Liability |
₹2.5 Crore |
|
Cyber Insurance |
₹5 Lakh |
|
Purchase Protection |
₹1 Lakh |
Complimentary Diamond Reserve Credit Card
Customers with the Diamond Reserve Savings Account are also eligible for a complimentary Diamond Reserve Credit Card, which adds further value to the overall banking relationship.
Credit Card Fees and Waiver
| Fee Type | Amount |
|---|---|
|
Joining Fee |
₹3,000 + GST |
|
Annual Fee |
₹3,000 + GST |
|
Fee Waiver Condition |
Annual spend of ₹6,00,000 |
Credit Card Key Benefits
- Zero forex markup on international transactions
- Complimentary airport lounge access in India and abroad
- Premium lifestyle and travel privileges
| Lounge Access | Details |
|---|---|
|
Domestic Lounges |
Up to 2 visits per quarter |
|
International Lounges |
Up to 2 visits per quarter |
Golf Benefits on Credit Card
| Spend Threshold | Benefit |
|---|---|
|
₹20,000 |
1 complimentary golf round or lesson |
|
₹40,000 |
Additional complimentary round or lesson in the same billing cycle |
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Diamond Reserve Credit Card Rewards Program
The Diamond Reserve Credit Card offers a tiered rewards structure.
| Spend Category | Reward Points Earned |
|---|---|
|
Spends up to ₹20,000 |
3 reward points per ₹150 |
|
Incremental spends above ₹20,000 |
10 reward points per ₹150 |
Reward Value:
- 1 reward point = ₹0.25
Bottom Line
The IDFC FIRST Bank Diamond Reserve Savings Account is a premium, invitation-only banking solution built for customers who seek exclusivity, high-value benefits, and global convenience.
With zero-fee banking, high interest on savings, luxury debit card privileges, extensive insurance coverage, and a complimentary premium credit card, this account delivers a comprehensive wealth and lifestyle banking experience.
For invited customers with an active, global lifestyle and significant banking needs, the Diamond Reserve Savings Account can be a smart and rewarding choice.
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