IDFC First Bank Diamond Reserve Credit Card
The IDFC FIRST Bank Diamond Reserve Credit Card comes with benefits from global travel perks to premium lifestyle experiences. Luxury, convenience, and rewarding experiences are offered by the credit card. The process to apply for the card is simple and can be completed online.
Features and Benefits of the IDFC First Bank Diamond Reserve Credit Card
The main features and benefits of the IDFC First Bank Diamond Reserve Credit Card are mentioned in the table below:
Feature | Benefit |
Airport Lounge Access | Enjoy two domestic and two international airport lounges access as complimentary per quarter. |
Free Trip Cancellation | Up to Rs.25,000 can be claimed on flight and hotel cancellations that are non-refundable. |
Interest-Free Global Cash Withdrawal | No interest is levied for cash withdrawal globally. A flat fee of Rs.199 plus GST is levied per transaction. |
Railway Lounge Access | Avail four complimentary visits to railway lounges at select Indian railway terminals. |
Zero Forex Markup | Pay zero foreign exchange fees on your international purchases. |
Golf Privileges | Get complimentary golf rounds and lessons at premier golf courses in India. |
Movie | Buy one ticket and get Rs.250 as a discount on the second ticket on the District App by Zomato. Up to two tickets can be availed for free in a calendar month. |
Roadside Assistance | Receive complimentary 24/7 roadside assistance four times a year. |
Insurance Cover | Comprehensive insurance cover is provided. |
Rewards and Welcome Offers
The different welcome and reward offers are mentioned below:
Welcome Vouchers
- Receive a Rs.500 gift voucher from a choice of brands such as Lifestyle, Uber, Bigbasket, and Amazon on spending Rs.5,000 within 30 days from the date the card is generated.
EMI Cashback
- Get 5% cashback up to Rs.1,000 on your first EMI transaction within the first 30 days.
Reward Points
- 10 rewards points can be earned on eligible incremental spends that is more than Rs.20,000 in a monthly statement cycle.
- 3 reward points can be earned on eligible spends of up to Rs.20,000 in a monthly statement cycle.
- 3 reward points on education, Wallet Load, government, and rent spend.
- 1 reward point on utilities and insurance spends.
- Reward points are offered per Rs.150 that is spent on eligible transactions.
Reward points will not be provided on spends below Rs.150, cash withdrawals, balance transfer, loan on card, charges or fees, EMI conversions, fuel transactions (fuel surcharge waiver is offered), and international transactions.
FIRST Digital Credit Card Spends – Reward Points
- 3 reward points are provided for every Rs.150 that is spent on transactions that are valued more than Rs.2,000.
- 1 reward point is provided for every Rs.150 that is spent on transactions that are valued up to Rs.2,000.
Fee and Charges
Fee Type | Amount |
Joining Fees (1st Year) | Rs.3,000 + GST |
Annual Fees (2nd Year Onwards) | Rs.3,000 + GST |
Annual Fee Waiver | On Rs.6,00,000 annual spends |
Forex Markup on international transactions | 0% |
Replacement Fee | Rs.199 plus GST |
Add On Fee | Rs.499 plus GST |
UPI Fee | Rs.199 plus GST |
How to Apply for the IDFC First Bank Diamond Reserve Credit Card?
Applying for the IDFC FIRST Bank Diamond Reserve Credit Card is a simple and straightforward process. You can apply online through the IDFC FIRST Bank website or by visiting a branch.
Online Application:
- Visit the IDFC FIRST Bank Diamond Reserve Credit Card page.
- Click on ‘Apply Now’.
- Enter your name, date of birth, and mobile number.
- Click on ‘Get OTP’.
- Enter the OTP.
- Follow the steps on the next page to apply for the credit card.
You can also track the status of your application on the IDFC FIRST Bank website.
FAQs on IDFC First Bank Diamond Reserve Credit Card
- What are the annual fees for the IDFC First Bank Diamond Reserve Credit Card?
The joining fee for the first year is Rs.3,000 + GST, and the annual fee from the second year onwards is also Rs.3,000 + GST. The annual fee can be waived on spending Rs.6,00,000 in a year.
- How can I get complimentary airport lounge access for the IDFC First Bank Diamond Reserve Credit Card?
You can get 2 domestic and 2 international complimentary airport lounge visits every quarter by spending Rs.20,000 in the current month to unlock the benefit for the next month.
- What is the forex markup on the IDFC First Bank Diamond Reserve Credit Card?
The IDFC First Bank Diamond Reserve Credit Card has a 0% forex markup on international transactions.
- How do the reward points work?
You can earn up to 10X reward points on your spends. These points never expire and can be redeemed as cash.
- Is there any welcome offer with the IDFC First Bank Diamond Reserve Credit Card?
Yes, you get a Rs.500 gift voucher on spending Rs.5,000 within the first 30 days and 5% cashback on your first EMI transaction.
- What is the fuel surcharge waiver on the IDFC First Bank Diamond Reserve Credit Card?
You get a 1% fuel surcharge waiver of up to Rs.300.
- What is the interest-free period for cash withdrawals on the IDFC First Bank Diamond Reserve Credit Card?
You can get interest-free cash withdrawals from ATMs for up to 45 days on the IDFC First Bank Diamond Reserve Credit Card.
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