Card Details
Diamond Reserve Credit Card
Card Issuer
IDFC FIRST Bank
Joining Fee
₹3,000
Annual Fee
₹3,000
Reward Type
Reward Points
Card Access
Standard
Changes to this card
Earn Points
3Rp/₹150
On eligible purchases up to ₹20,000 in a billing cycle
10Rp/₹150
On incremental eligible purchases above ₹20,000 in a billing cycle
1Rp/₹150
On insurance payments
Up to 1.67%
Value back on monthly spends
Benefits
0% forex mark-up
- Zero forex markup, abroad and on international purchases made from India
Movie BOGO benefit through District by Zomato
- Buy one movie ticket and receive up to ₹250 off on the second ticket through District by Zomato
2 domestic + 2 international lounge visits per…
Reward Calculator
NOTE: Enter your monthly spends to see
projected returns.
Excluded: fuel
Estimated Returns
Monthly spends up to Rs.20,000
3 RP per Rs.150 on eligible spends up to Rs.20k/cycle (~0.5%). RP = Rs.0.25, no expiry.
₹150
Incremental monthly spends above Rs.20,000
10 RP per Rs.150 on eligible spends above Rs.20k/cycle (~1.66%).
₹0
Hotel bookings via IDFC FIRST app
Up to 60 RP per Rs.150 (~10% value back) on in-app hotel bookings.
₹0
Flight bookings via IDFC FIRST app
Up to 40 RP per Rs.150 (~6.6% value back) on in-app flight bookings.
₹0
Total Annual Return
₹1,800
0.5% Effective ROIThings to Keep in Mind
Fee information appears in two variants on the same official page: ₹3,000 + GST versus ₹199 + GST promotional line.
Joining fee payment cashback up to ₹200 is a limited-period offer.
Accelerated travel rewards apply for bookings via FIRST Rewards Gallery in the IDFC FIRST Bank Mobile App.
Multiple benefits are subject to terms and conditions.
Feature revisions are indicated as effective 18 June 2026.
