cards / premium / idfc-first-diamond-reserve
IDFC FIRSTUnknownpremium

IDFC FIRST Diamond Reserve Credit Card

For frequent travellers and higher spenders who’ll use lounges and transferable points.

excellent shape
health 100/100
annual fee₹ 3,000/yr
joining fee₹ 3,000
base earn rate0.5 / ₹100
rewards inReward Points
forex markup0%
welcome benefit₹ 500

✓ best for

RentEducation / Fees

⚠ heads up

no major caveats we’re tracking.

earn rates

categoryratecap/mo
base · everything else0.5 / ₹100
Rent2 / ₹100
Education / Fees2 / ₹100
Insurance Premiums0.67 / ₹100
Utilities & Bills0.67 / ₹100

benefits & perks

Welcome Gift Voucher~₹ 500/yr

Gift Voucher Worth ₹500 on Spending ₹5,000 Within 30 Days of Card Activation

unlocks at ₹ 5,000/yr

Movie Ticket Benefit~₹ 250/yr

Buy 1 Get 1 movie ticket (up to ₹250 off) twice every month via District by Zomato.

Railway Lounge Access

4 Free Railway Lounge Visit Each Quarter

Domestic Lounge Access

2 Visits Each Quarter (For Both Primary and Add-On Cardholders)

unlocks at ₹ 20,000/yr

International Lounge Access

2 Visits Each Quarter (For Both Primary and Add-On Cardholders)

unlocks at ₹ 20,000/yr

Golf Lessons/Games

2 Golf Lessons/Games Each Month

unlocks at ₹ 40,000/yr

Insurance Benefits

Personal Accident Cover, Purchase Protection, and Travel Insurance

Fuel Surcharge Waiver

1% Fuel Surcharge Waiver on Transactions Between ₹200 and ₹5,000 (Maximum ₹300 Per Statement Cycle)

run your spend profileto see this card's value for you.