IDFC FIRST Diamond Reserve Credit Card

IDFC FIRST Bank · ₹3,000 a year · fee waived on ₹6,00,000 of annual spend

A premium card that rewards spending above ₹20,000 a month.

Base rate: 0.5% as Reward Point.

What the bank says

• 10X points on spends above ₹20,000 a month; 3X below that
• 1 point = ₹0.25
• Zero foreign currency markup
• 2 domestic and 2 international lounge visits a quarter

Where it pays more

• 0.17% on utilities and insurance (1X points), not counted toward the 10X threshold
• 0.5% on rent (3X points), not counted toward the 10X threshold

Things that catch people out

• Spending abroad has no markup but earns no points either.
• Rent, education, wallet, government, utility and insurance payments earn their own lower rates and do not count toward the ₹20,000.

Joining fee: ₹3,000. Foreign currency markup: 0%.

Read from IDFC FIRST Bank’s own page on 2026-09-16.

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