IDFC FIRST Diamond Reserve Credit Card
3 points/₹150 to ₹20,000/cycle, 10/₹150 above; ₹0.25/point. The card costs ₹3,000 plus GST each year.
Try your spend →How this estimate works
The issuer’s Diamond Reserve reward terms give 3 points per full ₹150 of eligible domestic spend up to ₹20,000 per statement cycle, then 10 points per full ₹150 of eligible incremental spend. One card purchase per month at the entered amount is assumed; other card spending and approved credit limit are unknown. Each point is worth ₹0.25 toward a qualifying redemption, not automatic statement cashback. One ₹99+estimated GST redemption fee is deducted if the annual value covers it; further redemptions cost more. The issuer lists ₹3,000+GST joining and ₹3,000+GST ongoing annual fee, waived at ₹6 lakh of annual eligible spend; the model conservatively deducts the ongoing fee without assuming waiver. Fuel and international purchases earn no points. Rent, education, government, wallet, utility, insurance, railway and FASTag have lower special rates and are not modeled through the generic chip. The reward terms also exclude EMI, cash, fees and transactions under ₹150. Only spending within the card’s credit limit per billing cycle earns. App flight/hotel bonus points, birthday boost, UPI companion, travel privileges and welcome gifts are omitted.
Issuer terms
Issuer card benefits and voucher point value · Issuer card-specific earn tiers, exclusions and redemption values · Issuer fees, including reward-redemption charge
Terms checked 29 September 2026. The projected rupee value needs an eligible redemption; it is not statement cashback.