IDFC FIRST Diamond Reserve Credit Card
IDFC FIRST Diamond Reserve Credit Card from IDFC FIRST Bank is covered here with fees, rewards, benefits, exclusions, fuel/forex charges and Zlash's practical verdict for Indian users.
Annual fee: Rs 3,000 | Reward type: Reward Points | Best for: Travel, International Spends, Rent
Estimated value per Rs 100 of eligible spend.
IDFC FIRST Diamond Reserve Credit Card Overview
IDFC FIRST Diamond Reserve Credit Card is an IDFC FIRST Bank credit card. Base reward value is about Rs 0.5 per Rs 100 of eligible spend. Zlash checks boosted categories like rent, government payments, wallet reloads along with caps and exclusions.
Best For
IDFC FIRST Diamond Reserve Credit Card is most useful when your spends regularly fall into rent, government payments, wallet reloads.
Rewards
rent
1x the base reward rate.
government payments
1x the base reward rate.
wallet reloads
1x the base reward rate.
education
1x the base reward rate.
insurance
0.33x the base reward rate.
utility bills
0.33x the base reward rate.
Not Good For
- Spends in excluded categories such as international spends, fuel, emi conversions, fees, gst.
Welcome And Travel Benefits
Welcome: Includes welcome value up to Rs 500 and voucher-based benefits.
Domestic lounge: Domestic lounge benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
International lounge: International lounge benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
Travel: Travel benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
Lifestyle Benefits
Movies and dining: Movie and dining benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
Golf: Golf benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
Insurance: Insurance benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
Fuel And Forex Charges
1% fuel surcharge waiver on eligible fuel transactions.
0% foreign currency markup.
Reward Exclusions
Zlash Verdict
Choose this card when travel, international spends, rent match your normal spend pattern. Skip it for categories that are excluded from rewards or where another card gives a cleaner direct discount.
This page is generated from normalized card facts, not copied review prose. Zlash uses this structure so card data can power both public SEO pages and future in-app card detail views.
FAQ
What is the annual fee of IDFC FIRST Diamond Reserve Credit Card?
The listed annual fee is Rs 3,000.
What is IDFC FIRST Diamond Reserve Credit Card best used for?
IDFC FIRST Diamond Reserve Credit Card is most useful when your spends regularly fall into rent, government payments, wallet reloads.
Does IDFC FIRST Diamond Reserve Credit Card have reward exclusions?
Yes. The extracted exclusions include international spends, fuel, emi conversions, fees, gst, loan on card.
How does Zlash use this card data?
Zlash uses fee, reward, cap and exclusion facts to estimate effective prices after eligible payment rewards.