# IDFC FIRST Diamond Reserve

IDFC First Bank · Visa. ₹3,000 fee · 0% forex · 3 RP/₹150 up to ₹20K/cycle.

✓ official · checked 16 July 2026 · Source: https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/Diamond-Reserve-Terms&Conditions.pdf

## How it earns (8)

- 10 RP/₹150 incremental above ₹20K/cycle · above ₹20,000 per statement cycle · ✓ official · checked 16 July 2026
- 3 RP/₹150 up to ₹20K/cycle · ✓ official · checked 16 July 2026
- 3 RP/₹150 flat on education (no 10X surge) · ✓ official · checked 16 July 2026
- 3 RP/₹150 flat on government (no 10X surge) · ✓ official · checked 16 July 2026
- 3 RP/₹150 flat on rent (no 10X surge) · ✓ official · checked 16 July 2026
- Wallet loads earn 3 RP/₹150 flat · ✓ official · checked 16 July 2026

and 2 more rules in the app

## On gift vouchers

- ₹50 back on a ₹10,000 voucher bought direct. · 3 RP/₹150 up to ₹20K/cycle
- Vouchers for Bharat Petroleum (BPCL) and 5 more brands: nothing.

Worked out on a ₹10,000 voucher with no deal running. Card data current to 21 October 2026.
Every card on vouchers: https://voucher.getbrief.cards/best-cards-for-vouchers

## What earns nothing (1)

- Fuel and cash earn 0 · international txns also earn 0 (no forex markup on them)

## Milestones (1)

- ₹500 brand voucher on ₹5,000 spend within 30 days of card generation · ₹500 at ₹5,000 spend per month · ✓ official · checked 16 July 2026

## Lounges (1)

- 2 domestic and 2 international visits a quarter, after ₹20,000 spent the previous calendar month. Railway lounge visits (4 a quarter) carry the same condition. · Domestic + intl · domestic and international · 16 per year · checked 16 July 2026

## Fees

- Annual fee: ₹3,000 + GST
  Waived at ₹6,00,000 spend per year
- Forex markup: Nil
- DCC markup: Nil
- Earns: IDFC First Reward Points · ₹0.25 a point at baseline
- Earns only up to the credit limit each cycle
- A cycle’s points are cancelled if the minimum due is not paid by the due date

## Dated changes (2)

- Improvement · 9 September 2026: IDFC FIRST drops the forex markup on every credit card (https://getbrief.cards/changes#idfc-zero-forex-2026)
- Devaluation · 18 June 2026: IDFC FIRST movie tickets now need ₹20,000 of spend the month before (https://getbrief.cards/changes#idfc-bogo-gate-2026)

Every change, dated: https://getbrief.cards/changes

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Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page.

All cards: https://getbrief.cards/cards
Canonical: https://getbrief.cards/cards/idfc-diamond-reserve