IDFC FIRST Diamond Reserve Credit Card
Fees
₹3,000 + Taxes
Joining & annual
Reward Rate
Up to 60 points per ₹150 on hotel bookings (10% value-back) and 40 points per ₹150 on flights (6.6% value-back) via the IDFC FIRST app; 1 point = ₹0.25 elsewhere
Welcome Bonus
Welcome gift benefit on card activation & joining fee payment
Lounge
8 Domestic + 8 International/yr (₹20K Spend)
Recent changes
Our Expert Take
The IDFC FIRST Diamond Reserve Credit Card from IDFC FIRST Bank offers Ultra Premium Metal Card & Golf Privileges with an annual fee of ₹15,000 + Taxes.
Reward limits
Checked 11 Oct 2026 · Bank terms
-
Reward points on all spends
Up to your credit limit per billing cycle
Pros & Cons
Key Advantages
- Up to 10% value-back on hotel bookings, 6.6% on flights via the IDFC FIRST app
- 2 domestic + 2 international lounge visits per quarter, plus 4 railway lounge visits
- Up to 2 complimentary golf rounds/lessons per month
- Fee waiver threshold (Annual fee waived on ₹15 Lakh annual retail spends)
Limitations
- Lounge and golf benefits require ₹20,000 spend in the preceding month
- Reward points redeem at just ₹0.25 outside travel bookings
- Best value depends on booking travel through the IDFC FIRST app specifically
Key Perks & Spending Milestones
Accelerated reward earn rate on premium purchases
1% fuel surcharge waiver on transactions between ₹400 and ₹4,000
Up to 50 days of interest-free credit period
Zero lost card liability protection
Spend milestone
Annual fee waived on ₹15 Lakh annual retail spends
Fees & Charges
Joining fee
₹3,000 + Taxes
Annual fee
₹3,000 + Taxes
Annual fee waived on ₹6 Lakh annual spends
Interest rate
3.5% per month (42% per annum)
Late payment fee
- Up to ₹500
- Nil
- ₹501 to ₹1,000
- ₹500
- ₹1,001 to ₹5,000
- ₹600
- ₹5,001 to ₹10,000
- ₹750
- ₹10,001 to ₹25,000
- ₹900
- ₹25,001 to ₹50,000
- ₹1,100
- Above ₹50,000
- ₹1,300
Insurance & Protection Benefits
air accident cover
Up to ₹50 Lakh
lost card liability
Up to ₹1 Lakh
purchase protection
Nil
emergency medical cover
Nil
Eligibility Criteria
salaried minimum income
₹25,000 per month
self employed ITR
₹6 Lakh per annum
age
21 to 65 years
Credit score & income
Good (730+)
Frequently Asked Questions
What's the reward rate on IDFC FIRST Diamond Reserve?
Are Diamond Reserve's lounge and golf benefits conditional?
Do Diamond Reserve's reward points still have lifetime validity?
Compare IDFC FIRST Diamond Reserve Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| IDFC FIRST Diamond Reserve Credit Card This Card | ₹3,000 + Taxes | Up to 60 points per ₹150 on hotel bookings (10% value-back) and 40... | 8 Domestic + 8 International/yr (₹20K Spend) | 4.9/5 |
| Axis Bank Reserve Credit Card | ₹50,000 + Taxes | 15 EDGE points per ₹200 domestic spend; 30 EDGE points per ₹200... | Unlimited + 12 Guest Visits/yr | 4.9/5 |
| SBI Aurum Card | ₹9,999 + Taxes | 4 Reward Points per ₹100 on all spends (1% base); up to 3.7%... | 4 Domestic/Qtr + Unlimited International | 4.8/5 |
| ICICI Bank Emeralde Credit Card | ₹12,000 + Taxes | 4 Reward Points per ₹100 spent on all categories | Unlimited Domestic + International | 4.8/5 |