IDFC FIRST Diamond Reserve Credit Card
IDFC FIRST Bank
priority:lounge domesticpriority:lounge premiumTravel points
₹3,000
Joining fee
₹3,000, waived at ₹6L spend
Annual fee
0%
Forex markup
4.5 / 5
Rating
Eligibility
Estimated minimum income: ₹60,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 730+
Estimated — not officially confirmed by the bank.
Lounge access
8 domestic / 8 international / 16 railway visits per year
Reward details
3 points per Rs 150 up to Rs 20,000 monthly spend
- 10 points per Rs 150 on Incremental spend above Rs 20,000/month
Category caps
- Rent, education: 3 points per Rs 150 (base rate, not the incremental rate)
- Utilities/insurance: 1 point per Rs 150
- Movie discount of Rs 250 off, twice monthly
- Rs 300 fuel surcharge waiver
- Golf privileges (frequency/conditions not detailed in this fetch)
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- A well-rounded option for multi-category spenders; travel benefits and lounge access considered good value at the Rs 3,000 price point; movie discount and fuel surcharge waiver appreciated — Paisabazaar
Complaints
- Spend threshold requirements limit access to lounge/golf benefits — Paisabazaar
- Low base reward rate for spends up to Rs 20,000/month — Paisabazaar
- No annual fee waiver option — Paisabazaar
Sources
- Official — confirmed fee reference, 0% forex, lounge, golf categories only; JS-rendered page did not return full detail content
- Aggregator — fees, lounge, rewards, sentiment