IDFC FIRST Diamond Reserve Credit Card

Rewards

• Rewards rate

  3 Reward Points/₹150 Spent on Incremental Spends Up to ₹20,000. 10 Reward Points/₹150 Spent on Incremental Spends Above ₹20,000

• Welcome benefits

  Gift Voucher Worth ₹500 on Spending ₹5,000 Within 30 Days of Card Activation

• Reward redemption

  1 Reward Point = ₹0.25

Benefits

• Movie & dining

  BOGO on Movie Ticket Bookings Via District (Up to ₹500) (Benefit Can Be Availed on Spending ₹20,000 in the Previous Month)

• Travel

  4 Free Railway Lounge Visit Each Quarter

• Domestic lounge

  2 Visits Each Quarter (For Both Primary and Add-On Cardholders)

• International lounge

  2 Visits Each Quarter (For Both Primary and Add-On Cardholders)

• Golf

  2 Golf Lessons/Games Each Month

• Insurance

  Personal Accident Cover, Purchase Protection, and Travel Insurance

Fees & charges

• Spend-based waiver

  Annual Fee Waiver on Spends of ₹6 Lakh in a Year

• Rewards redemption fee

  ₹99 + GST

• Foreign currency markup

  Zero (0%)

• Interest rates

  Monthly Rate – 0.75% – 3.65%. Annual Rate – 9% – 43.8%

• Fuel surcharge waiver

  1% Fuel Surcharge Waiver on Transactions Between ₹200 and ₹5,000 (Maximum ₹300 Per Statement Cycle)

• Cash advance charges

  ₹199

Product highlights

• Buy 1 Get 1 movie ticket (up to ₹250 off) twice every month via District by Zomato.
• Up to 2 complimentary golf rounds or lessons monthly on spends of ₹40,000.
• No forex charges on international transactions.
• Complimentary RSA up to 4 times a year, including towing, tyre change & jump start.
• Get reimbursed up to ₹25,000 for flight or hotel cancellations, even for personal reasons.
• Personal accident, card liability, purchase protection & travel insurance included.
• 1 Reward Point = ₹0.25, redeemable easily through the IDFC FIRST rewards portal.

Pros & cons

FAQs