Affluent Lifestyle Credit Card with 10X Rewards & Golf Privileges
High-spending professionals, executive travelers, and golf enthusiasts looking for non-expiring reward points and international lounge visits.
₹3,000
One-time upfront₹3,000
Waived on ₹3 lakh annual spend10X on spends above ₹20,000/month; 5X on retail below ₹20,000
On eligible spends2 Domestic visits/quarter + 8 International visits/year · ₹20k monthly spend required (Domestic)
Complimentary visitsLast verified 3 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The IDFC FIRST Diamond Reserve Credit Card is an executive-tier lifestyle credit card designed for mass-affluent consumers who want both accelerated rewards and premium travel comforts. Priced at ₹3,000 plus GST, it immediately returns the membership investment by offering ₹3,000 in welcome gift vouchers upon payment of the joining fee and card activation. Cardholders benefit from IDFC's high-velocity reward structure: 4X points on domestic offline spending, 6X points on online shopping, and an accelerated 10X points on all incremental spending once cumulative monthly purchases exceed ₹30,000 (an effective 2.50% value return). Reward points have lifetime validity, never expire, and carry zero redemption fees. Travel and leisure privileges are substantial: cardholders receive 2 complimentary domestic airport lounge visits per calendar quarter (linked to spending ₹20,000 in the prior month), 1 complimentary international lounge visit per quarter via DreamFolks/Priority Pass, up to 2 complimentary golf rounds or coaching lessons per month, and a reduced 1.99% foreign exchange markup. The annual fee is completely waived upon spending ₹3,00,000 in an anniversary year. For executives with consistent monthly budgets of ₹50,000 to ₹1,00,000, the Diamond Reserve card delivers strong lifestyle dividends.
3 Reward Points/₹150 Spent on Incremental Spends Up to ₹20,000. 10 Reward Points/₹150 Spent on Incremental Spends Above ₹20,000
Gift Voucher Worth ₹500 on Spending ₹5,000 Within 30 Days of Card Activation
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Travel & Dining Spends | 10X Reward Points on travel, dining and international spends (1 RP = ₹0.25) | No Cap | Standard terms apply |
| Accelerated Spends Above ₹20,000 | 10X Reward Points on monthly spends above ₹20,000 | No Cap | Standard terms apply |
| General Retail Spends | 3X Reward Points on other retail transactions | No Cap | Standard terms apply |
| Base Retail Spends | 5X Reward Points on retail spends up to ₹20,000 | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Travel & Dining Spends | ₹4,000 | 10X Reward Points on travel, dining and international spends (1 RP = ₹0.25) | — | None | Calculating... | Under cap |
| Accelerated Spends Above ₹20,000 | ₹4,000 | 10X Reward Points on monthly spends above ₹20,000 | — | None | Calculating... | Under cap |
| General Retail Spends | ₹18,000 | 3X Reward Points on other retail transactions | — | None | Calculating... | Under cap |
| Base Retail Spends | ₹4,000 | 5X Reward Points on retail spends up to ₹20,000 | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹3,000
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Joining Fee: ₹3,000 + GST; Annual Renewal Fee: ₹3,000 + GST. • Annual Fee Waiver: Spend ₹3,00,000 or more in an anniversary year to waive the ₹3,000 renewal fee. • Welcome Benefit: ₹3,000 gift vouchers upon payment of joining fee and first retail card spend. • Rewards Structure: 4X points offline; 6X points online; 10X points on monthly spends above ₹30,000 (points never expire). • Domestic Lounge Access: 2 complimentary domestic airport lounge visits per calendar quarter (spend ₹20,000 in prior month). • International Lounge Access: 1 complimentary international airport lounge visit per quarter via DreamFolks/Priority Pass. • Golf Privileges: Up to 2 complimentary golf rounds or lessons per calendar month across premier courses. • Low Forex Markup: Preferential 1.99% foreign exchange markup on international transactions.
Evaluate whether this card's perks and waiver threshold justify its ₹3,000 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding IDFC FIRST Diamond Reserve Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official IDFC FIRST Bank portal with paperless verification.
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Best for: Frequent Domestic Travelers, Lifestyle Brand Shoppers & Milestone Achievers
Rewards: 5 Reward Points per ₹200 spent
Lounge access: 12 Domestic + 6 International visits/year · ₹60k quarterly spend required (Domestic)
Forex markup: 2% Low Forex
Renewal fee waived on ₹4,00,000 annual spend
Last verified 16 Oct 2026
Best for: Mid-Tier Spenders, Movie Enthusiasts, Weekend Diners & Domestic Travelers
Rewards: 4 RPs/₹100 on International Spends, 2 RPs/₹100 on Domestic Spends and 1 RP/₹100 Spent on Insurance and Utilities
Lounge access: 2 Domestic visits/quarter · ₹75k quarterly spend required
Renewal fee waived on ₹3,00,000 annual spend
Last verified 2 Oct 2026
Best for: Moderate-to-High Spenders, Zero-Forex Shoppers, Weekend Moviegoers & Domestic Travelers
Rewards: 3X on offline retail; 6X on online shopping up to ₹20,000/month; 10X on incremental spends > ₹20,000
Lounge access: 2 Domestic visits/quarter · ₹20k monthly spend required
Forex markup: 1.99% Low Forex
Last verified 2 Oct 2026
Best for: High-net-worth individuals, frequent international fliers, luxury globetrotters, and C-suite executives
Rewards: 16 Reward Points per ₹200 on domestic retail spends; 24 Reward Points per ₹200 on international spends
Lounge access: 32 Domestic visits/year + Unlimited International
Forex markup: 1.99% Low Forex
Renewal fee waived on ₹12,00,000 annual spend
Last verified 3 Oct 2026
Best for: Frequent domestic fliers, fine dining enthusiasts, movie lovers, and premium lifestyle spenders
Rewards: 10 Reward Points per ₹200 on all eligible retail spends; 20 Reward Points per ₹200 on Travel and International
Lounge access: 16 Domestic + 4 International visits/year
Renewal fee waived on ₹6,00,000 annual spend
Last verified 3 Oct 2026
Best for: Global travelers, international business travelers, and study-abroad families seeking zero foreign currency transaction fees paired with extensive domestic and international lounge visits.
Rewards: 2 Reward Points per ₹100 spent domestically (0.5% return; 1 RP = ₹0.25)
Lounge access: 1 Domestic visits/quarter + 8 International visits/year · ₹50k quarterly spend required (Domestic)
Forex markup: 0% (Zero Forex)
Renewal fee waived on ₹5,00,000 annual spend
Last verified 17 Sept 2026
