About IDFC FIRST Diamond Reserve Credit Card
IDFC FIRST Diamond Reserve Credit Card is an all-rounder credit card that offers benefits across categories like travel, movies, and rewards. Like most IDFC FIRST Bank cards, it follows an incremental rewards model where you earn higher rewards once your monthly spending crosses a set limit.
For frequent travellers, the card offers good value with complimentary lounge access, zero forex mark-up on international spends, and hotel benefits under Visa Infinite. If you are exploring an IDFC credit card with balanced lifestyle and travel benefits, this card can be a strong option.
Overall, this card is suitable for users who spend regularly and want benefits across multiple categories along with travel perks and lifestyle savings.
Also Check: Best Lounge Access Credit Cards
IDFC FIRST Diamond Reserve Credit Card Rewards Program
Rewards Program
- Earn 10 reward points per ₹150 on monthly spends above ₹20,000
- Earn 3 reward points per ₹150 on spends up to ₹20,000
- Get 3 reward points per ₹150 on rent, education, wallet loads, and government spends
- Earn 1 reward point per ₹150 on insurance and utility payments
- Get bonus rewards on travel bookings via app – 50 points on hotels and 20 points on flights
Suggested Read: Best Rewards Credit Cards for Everyday Spending
Other Features and Benefits
Welcome Benefit
- Get a ₹500 voucher from brands like Amazon, Uber, Lifestyle, or BigBasket
- Earn 5% cashback (up to ₹1,000) on your first EMI transaction
Travel Benefits
- Get 3rd night free on booking 2 nights at ITC Hotels and Elivaas Luxury Villas
- Enjoy 2 lounge visits per quarter in India (domestic and international terminals)
- Get 2 international lounge visits per quarter worldwide
- Access 4 railway lounge visits per quarter
- Zero forex mark-up on international transactions
- 1 free airport meet & greet service with 10% discount on additional bookings
Also Check: Best Travel Credit Cards
Movie Benefit
- Buy 1 movie ticket and get the second free (up to ₹250), twice a month
Other Benefits
- Get dining benefits at select premium restaurants
- 1% fuel surcharge waiver up to ₹300 per month
- Up to 2 free golf rounds or lessons per month on ₹20,000 monthly spend
- Complimentary roadside assistance up to 4 times a year
- Trip cancellation cover up to ₹25,000
Insurance Cover
- Lost card liability cover up to ₹50,000
- Personal accident cover up to ₹10 lakh
- Purchase protection and credit shield cover of ₹50,000 each
- Personal air accident cover up to ₹1 crore
- Travel insurance including baggage loss (USD 500), flight delay (USD 300), baggage delay (USD 100), and passport loss (USD 300)
Also Read: Best Credit Cards in India 2026
Fees and Charges
| Particulars | Amount |
|---|
| Joining Fee | Rs. 3,000 + Taxes |
| Annual Fee | Rs. 3,000 + Taxes |
| Finance Charges | 0.71% - 3.85% p.m. (8.5% - 46.2% p.a.) |
| Cash Withdrawal Fee | Rs. 199 |
| Rewards Redemption Fee | Rs. 99 |
| Late Payment Charges | 15% of Total Amount Due as of the previous statement minus any payments received before the due date
(subject to a minimum of Rs. 100 and a maximum of Rs. 1,300) |
Apply for a Credit Card & Get Instant Approval
Document Required For IDFC FIRST Diamond Reserve Credit Card
- Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
- Proof of Address: Aadhaar Card, Driver’s License, Passport
- Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
Click here to know More Terms and Conditions
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
IDFC FIRST Diamond Reserve Credit Card Highlights
What do we like about this card?
- Earn up to 10 reward points per ₹150 on spends above ₹20,000 and 3 points on regular spends, including rent, education, and government payments
- Get bonus rewards on hotel and flight bookings made via IDFC FIRST Bank app
- Enjoy complimentary lounge access (domestic, international, and railway) along with zero forex mark-up and airport meet & greet service
- Get free 3rd night stay on hotel bookings and benefits at luxury villas
- Receive welcome benefits like ₹500 voucher and cashback on first EMI transaction
- Buy 1 Get 1 free movie ticket (up to ₹250), twice a month
- Save on fuel with 1% surcharge waiver and enjoy dining benefits at partner restaurants
- Access golf rounds, roadside assistance, and trip cancellation cover
Things to Know Before you apply
Get this card if:
- You travel often and want benefits like lounge access and hotel stays
- You can spend ₹20,000 or more every month to unlock higher rewards
- You are comfortable using the bank’s rewards portal for travel bookings
- You prefer a card that offers benefits across multiple categories
Pros
- Save up to ₹500 per month on movie tickets
- Fuel surcharge waiver up to ₹300 per month
- Strong travel benefits like lounge access and zero forex charges
- Earn rewards even on categories like rent, education, and wallet loads
Cons
- Lower reward rate on spends up to ₹20,000 per month
- Lounge and golf benefits require minimum spending
Idfc Bank Credit Card Contact Details
- Contact Address: IDFC FIRST Bank Ltd. Naman Chambers, C-32, G Block, Bandra Kurla Complex, Bandra (East), Mumbai – 400051, Maharashtra, India
Helpline (24x7): 1800 10 888 (Toll-Free for all customers) - Simply SMS: Send “IDFCCREDIT” to 5676732 from your registered mobile number
Apply for a Credit Card & Get Instant Approval
Frequently Asked Questions
You earn up to 10 reward points per ₹150 on spends above ₹20,000 per month and 3 points per ₹150 on regular spends.
Yes, you can earn reward points on categories like rent, education, wallet loads, and government spends, which are usually excluded in many cards.
Yes, the card offers complimentary domestic, international, and railway lounge access, but it is subject to spending conditions.
No, this card offers zero forex mark-up on international transactions, helping you save on foreign spending.
You get benefits like lounge access, free hotel night offers, airport meet & greet services, and travel insurance cover.
This card is more suitable for high spenders, as higher rewards and benefits are unlocked after crossing ₹20,000 monthly spending.
