IDFC FIRST Bank
Diamond Reserve Credit Card
Annual Fee
₹3,540₹3,000 + GSTBase Reward
1% cashback
Foreign Markup
3.5% + GST
Product Highlights
- Premium travel benefits
- Lifestyle rewards
Category Rewards
travel
60 RP/₹150 on hotel bookings via app (≈10% value-back)
10%
Merchant-Specific Rewards
Travelocity
5% CashBack
MakeMyTrip
5% CashBack
Cleartrip
5% CashBack
Reward Calculator
Earns ₹660/year (net)
Modest gain. Solid hold if you like the perks.
₹13K
across all your buckets
16.8K
IDFC FIRST Reward Points
₹4.2K
via standard · ₹0.25/pt
Effective rate
2.69%
Annual fee
₹3,540
Year 1 net
+₹660
Year 2+ net
+₹660
ongoing
Adjust your spend by reward bucket
2 bucketsRewards Details
Earn 5% CashBack on travel bookings through select partners.
Redemption
1 CashPoint = ₹1 against statement
Benefits & Features
Domestic: 4 complimentary visits per quarter via DreamFolks (Min ₹2L quarterly retail spend required) International: 2 per year via Priority Pass (Available from year 2 onwards) Full lounge access description
Pros & Cons
Pros
- 5% CashBack on travel bookings
- Complimentary lounge access
Cons
- High annual fee
- Limited merchant partnerships
Additional Info
Important note 1
Note 2
Excluded Categories
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Min Age
21 yrs
Salaried
₹0.5L+
Self-Emp
₹8.0L+
Networks