FIRST Diamond Reserve Credit Card

Rewards, as stated by the issuer

• Earn Up to 27% Reward Points
• Base Reward Points
• Earn up to 10 reward points for every
• Reward Points That Never Expire
• Your reward points stay with you,
• 5% Cashback on EMI
• Get up to ₹1,000 cashback on your first
• spends with 3X Reward Points
• Joining Fee Payment Benefit: 100% cashback up to ₹200 (Limited period offer)
• Up To 1.67% Value Back
• Earn up to 50 Bonus Reward Points on travel spends made on our app
• Will I earn reward points for every spend?
• o 10X reward points for incremental spends above ₹20,000 in a statement cycle and on your birthday.
• o 3X reward points on spends up to ₹20,000 in a statement cycle.
• o 3X reward points on Education, Wallet Load, Government, Rent and Property Management/Purchase transactions.
• o 1X reward point on Utilities, Insurance, Railway and Fastag.
• o Spends in the 3X and 1X categories will not be considered for the 10X monthly milestone.
• o Reward points will not be given on international spends, spends converted to EMI, Cash Withdrawal, Fuel, Fee and Charges.

Other benefits

• Discover More
• Discover the world with 0% Forex
• Free Trip Cancellation Cover
• Interest-Free Global ATM Cash Withdrawals
• Enjoy 1 complimentary service a year and 10% off on the rest
• Airport Transfer Discounts
• Get 4 complimentary visits per quarter at
• Complimentary Golf Access
• Tee-off at 20+ golf courses for up to 2 golf rounds
• Buy 1 Get 1 Movie Offer
• Save up to ₹250 on your second movie ticket,
• Get a complimentary 3rd night stay for
• Enjoy a free 3rd night stay for every 2 paid nights
• Enjoy exclusive perks and discounts at
• Complimentary memberships and discounts on leading brands on joining fee payment
• Surcharge waiver, insurances
• Comprehensive Insurance Cover
• Includes air accident cover, personal accident cover,

Welcome & milestones

Lounge access

Domestic: Enjoy Travel in comfort with 2 domestic and 2 global airport lounge access per quarter · - 2 complimentary visits per quarter to lounges and spas at domestic airport terminals in India.

International: Enjoy Travel in comfort with 2 domestic and 2 global airport lounge access per quarter · - 2 complimentary visits per quarter to overseas lounge terminals.

Railway: Railway Lounge Access · The Diamond Reserve Credit Card comes loaded with benefits like complimentary airport and railway lounge access, movie ticket offers, golf benefits, discounts on 300+ brands, etc. The full list of benefits is mentioned on the product webpage above. · For airport and railway lounges, benefits are available by default each quarter. The benefitactivates if you’ve spent ₹20,000 in the previous calendar month.

Every fee line found on the page

• Joining Fee: ₹3,000 + GST
• Annual Fee: ₹3,000+GST , waived off on ₹6L of annual spends
• waived off on annual spends of ₹6 Lakh and above
• Discover the world with 0% Forex
• Save up to ₹300 per month with a 1% fuel surcharge waiver
• Joining Fee & Annual Fee (2nd year onwards) of just ₹199 + GST
• Joining Fee Payment Benefit: 100% cashback up to ₹200 (Limited period offer)
• The Diamond Reserve Credit Card comes with a Joining Fee of ₹3,000 + GST and an Annual Fee (applicable from second card anniversary year) of ₹3,000 + GST. The Joining Fee will be levied on credit card application approval.
• You can also pay the Joining Fee of ₹3,000 + GST by clicking here .
• Once your Diamond Reserve Credit Card application is approved, upfront Joining Fee payment of ₹3,000 + GST is required to get the credit card dispatched. To pay the Joining Fee, click here .​
• On payment of the joining fee, you will receive multiple premium brand offers worth over ₹5,000, including complimentary memberships and discounts from ET Prime, Lenskart, MakeMyTrip, Mokobara, and IDFC FIRST Bank Mobile App.