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REWARD POINTS CARD

Diamond Reserve Credit Card

IDFC FIRST Bank

Earns up to 10 reward points per ₹150, 0% forex markup, 2 domestic and 2 international airport lounge visits and 4 railway lounge visits per quarter, plus golf and movie offers.

Joining fee of ₹3,000 + GST is paid upfront before dispatch; lounge and movie benefits need ₹20,000 spend in the previous calendar month; no reward points on international, fuel, EMI or cash spends.

Diamond Reserve Credit Card
ANNUAL FEE
₹3,000 + GST
JOINING FEE
₹3,000 + GST
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
0% forex markup on international transactions
BEST FOR
Included: May suit those spending ₹20,000+ a month who travel, as lounge, golf and movie benefits unlock at that spend level.
Included: May suit monthly spends above ₹20,000, where eligible spends earn 10 RP per ₹150.
Included: May suit regular international card spends, with 0% forex markup.
Included: May suit hotel and flight bookings made in the IDFC FIRST Bank app, which earn bonus reward points.
Limitation: Low monthly spenders may wish to compare other cards.
Limitation: Spends mainly on rent, government, education or wallet loads may wish to compare other cards.
Limitation: Those seeking fuel rewards: fuel spends earn no reward points may wish to compare other cards.
Limitation: Those annual spends below ₹6,00,000 where avoiding the ₹3,000 + GST annual fee matters may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: The ₹3,000 + GST annual fee is waived on annual spends of ₹6,00,000 or more.
Condition: Reward points are earned only on spends up to the credit limit in each billing cycle.

Rewards & real value

What the card earns, and what changes that figure in practice.
WHAT THE CARD EARNS
EVERYTHING ELSE
Not stated
No earning rate recorded for this card
REWARD POINT VALUE
Not stated
Effective return cannot be calculated without it

Eligibility

Minimum income
Not stated
Minimum age
Not stated
Maximum age
Not stated

Fees & ownership

Joining fee
₹3,000 + GST
Annual / renewal fee
₹3,000 + GST
Fee waived at
Annual spends of ₹6,00,000 or more
Forex markup
0%
Finance charge
8.5% p.a.
Cash withdrawal fee
₹199 + GST
Late-payment charge
Not stated
Interest-free period
Not stated

Benefits & privileges

TRAVEL
Domestic airport lounge
2 visits per quarter — Up to 2 complimentary visits per quarter at Indian airports (domestic and international terminals) · Shared by primary and add-on cardholders; ₹2 card authorisation; guests chargeable; no quarterly carry-over · ₹20,000 spend in a calendar month unlocks access in the next month
International airport lounge
2 visits per quarter — Up to 2 complimentary visits per quarter at select global airport terminals · Via DreamFolks; physical DreamFolks card required; some lounges need booking up to 48 hrs ahead; guests chargeable · ₹20,000 spend in a calendar month unlocks access in the next month
Railway lounge
4 visits per quarter — Up to 4 complimentary visits per quarter at participating railway lounges in India · Shared by primary and add-on cardholders; a visit from the quota can be used for one guest; ₹2 authorisation · ₹20,000 spend in a calendar month unlocks access in the next month
Lounge spend requirement
Not stated
Lounge programme
EliteAssist (Indian airports) · DreamFolks (global airports)
EVERYDAY
Fuel
1% fuel surcharge waiver, up to ₹300 per month
Dining
Curated dining deals at handpicked restaurants
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
No reward points on international, fuel, EMI, fees/charges and GST, loan on card, balance transfer, cash withdrawals or transactions below ₹150; rent, government, wallet, education, insurance, utility, railway, Fastag excluded from 10 RP; International transactions, fuel, EMI conversions, fees/charges and GST, loan on card, balance transfer, cash withdrawals, transactions below ₹150
Categories earning nothing
Not stated
Monthly reward cap
Not stated
Annual reward cap
Not stated
Reward point value
Not stated
Points expiry
Not stated
Redemption fee
Not stated
Minimum redemption
Not stated
Credited automatically
Not stated

Who this card may suit

MAY SUIT
Included: 0% forex markup on international transactions
Included: Interest-free ATM cash withdrawals for up to 45 days in India or abroad; ₹199 + GST per transaction, max ₹10,000 per transaction
Included: Up to 2 golf rounds or lessons a month: 1st on ₹20,000 and 2nd on ₹40,000 of monthly statement spends
Included: Buy-one-get-one movie offer on District app: up to ₹250 off 2nd ticket, twice a month, after ₹20,000 spend in previous month
MAY NOT SUIT
Not stated
Typical fit only, based on the card’s own published terms. This is not personalised advice and not an indication of approval.
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Figures last checked 31 Oct 2026 against the issuer’s published terms.