Updated on April 11, 2026
Author: MybankingTips Team
IDFC First Bank continues to expand its credit card portfolio aggressively, much like SBI Card. From premium offerings such as Ashva and Mayura to co-branded cards like the IndiGo Credit Card and the upgraded FD-backed IDFC WOW! Black Credit Card, the bank has been targeting a wide range of customer segments. Carrying this momentum forward, IDFC First Bank has now launched the all-new Diamond Reserve Credit Card on the Visa Infinite network.
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IDFC First Bank Expands Premium Portfolio With Diamond Reserve Credit Card
The Diamond Reserve Credit Card is clearly positioned for the premium segment. It comes with a joining fee and annual fee of ₹3000 + GST, both of which are waived on annual spends of ₹600000.
As a welcome benefit, cardholders receive a ₹500 gift voucher from brands such as Amazon, BigBasket, Uber, or Lifestyle on spending ₹5000 within 30 days of card issuance.
The card also offers zero forex markup, making it a cost-effective option for international spending.
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Diamond Reserve Credit Card Reward Structure
Movie Ticket Offer
- Buy 1 Get ₹250 Off on the second movie ticket
- Valid on bookings via District app by Zomato
- Maximum of 2 free tickets per calendar month
Airport Lounge Access
- Up to 2 complimentary airport lounge visits per quarter in India
- Up to 2 complimentary international lounge visits per quarter
- Visits are shared between primary and add-on cardholders
- Minimum monthly spend of ₹20000 required
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Railway Lounge Access
- Up to 4 complimentary railway lounge visits per quarter
- Valid for both primary and add-on cardholders
Golf Benefits
- 1 complimentary golf round or lesson on monthly spends of ₹20000
- 2 complimentary golf rounds or lessons on monthly spends of ₹40000 or more
Add-On Card Charges
- Add-on credit card available at ₹499
Bottom Line
The IDFC First Bank Diamond Reserve Credit Card offers a balanced mix of premium lifestyle and travel benefits. With zero forex markup, airport and railway lounge access, golf privileges, and movie ticket offers, the card caters well to frequent travellers and premium lifestyle users.
At its current pricing and feature set, the Diamond Reserve Credit Card is a compelling option for those seeking premium benefits without stepping into ultra-luxury fee territory.