IDFC FIRST Bank Diamond Reserve Credit Card

IDFC FIRST Bank · Open to apply

IDFC FIRST's ₹3,000 premium travel and lifestyle card. It earns 3 points per ₹150 on the first ₹20,000 of a statement cycle and 10 per ₹150 above it, with bonus points on flights and hotels booked in the bank's app, no points on international spends, 2 domestic and 2 global lounge visits a quarter on ₹20,000 of monthly spend, golf and movie offers, and the fee waived on ₹6 lakh of spend.

Annual fee
₹3,000 + GST a year
Joining fee
₹3,000 + GST
Fee waiver
Annual fee waived on ₹6,00,000 spend per card year
Base rate
3X on the first ₹20,000 of a statement cycle, 10X above it (per ₹150): 3 IDFC FIRST Bank reward points per ₹150 up to ₹20,000; 10 IDFC FIRST Bank reward points per ₹150 above ₹20,000 (about 0.5% at cash value)
Lounges
Domestic: 2 visits a calendar quarter after ₹20,000 spend; International: 2 visits a calendar quarter after ₹20,000 spend; Railway: 4 visits a calendar quarter after ₹20,000 spend
Forex markup
0%
Data
From bank documents, checked 6 Nov 2026

Main earn rates

  • Hotels booked in the IDFC FIRST app, 30 bonus points per ₹150: 30 IDFC FIRST Bank reward points per ₹150 on top of the base rate (about 5% at cash value)
  • Flights booked in the IDFC FIRST app, 15 bonus points per ₹150: 15 IDFC FIRST Bank reward points per ₹150 on top of the base rate (about 2.5% at cash value)

Earns nothing on

  • No points on fuel, EMI and cash withdrawals
  • No points on international transactions

Where the sources disagree

  • CFAR policy period: The privileges document (PDF created 18 June 2026) states the Cancel For Any Reason policy period as 8 May 2025 to 7 May 2026, while the page still advertises the cover and Ashva, Mayura and Gaj have a period to 7 May 2027. We record the cover as the page states it; whether it is renewed for Diamond Reserve is not confirmed.
  • Fuel surcharge waiver cap period: The page says up to ₹300 "per month"; the MITC states it per statement cycle. We use the statement cycle.

Terms the calculator does not value

  • Points are reversed for a statement cycle in which the minimum amount due is not paid by the due date. From 18 June 2026 points are earned only on spends up to the credit limit in a billing cycle.
  • The ₹500 welcome gift voucher (Amazon, BigBasket, Uber or Lifestyle) on ₹5,000 spent within 30 days applied to cards generated up to 18 June 2026. The privileges document gives the voucher for those cards only and points to the joining-fee benefits (entered as welcome items) for later cards.
  • Further joining-fee offers are not valued: Mokobara 10% instant discount (offer period 15 July 2025 to 31 December 2026, once per user), and the page's "₹5,000+" welcome total. The ET Prime and Lenskart items are valued at the "worth" the bank states, which is not their cash value.
  • The page says "up to 27% reward points" on app travel bookings; the T&C gives 40 points per ₹150 on hotels and 25 on flights at the 10X rate, which at ₹0.25 a point is 6.7% and 4.2%. The rules follow the T&C.

Sources

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