IDFC FIRST Bank believes in complete transparency, and we want our customers to make an informed decision about their Joining Fee and its associated benefits. By asking for payment upfront, we are aligning with our core values of openness and trust, ensuring you have full cognizance about the applicable fee, before committing to this premium metal card. This process allows you to make a conscious choice in a responsible and transparent manner. By choosing this process we also aim to minimize wastage due to cancelled and returned cards.

You will receive communication from the bank to pay the joining fee as soon as your credit card application is approved.

You can also pay the Joining Fee of ₹3,000 + GST by clicking here.

On the next page you must authenticate using the mobile number and date of birth as mentioned during the card application. The payment can be made using UPI and net banking

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.​

As per the process, upfront Joining Fee payment is required to activate your digital card and dispatch of the metal card.

On card application approval, you will receive communication to pay the Joining Fee. To pay the Joining Fee now,  click here.​

Once the Joining Fee is paid, please make sure that you have enabled online (Ecom) transactions on the card. To enable online transactions, please click here.

Once the Joining Fee payment is completed, the credit card can be used for online transactions. To enable online transactions and to get the card details, please use the IDFC FIRST Mobile Banking App or  click here.

On payment of joining fee, your Diamond Reserve credit card will be dispatched to your mailing address registered with the bank and should arrive in 5 working days. If your address has changed, please visit a nearby branch and get your address updated in the bank records. Once, the address is updated, please call 180010800 to get the card dispatched to the updated address.

For all transactions in India, yes, you will be asked for a PIN for completing the transactions. However, outside India, you will be asked for the PIN only if the POS terminal is enabled for PIN authentication.

Yes, you can! All ATM cash withdrawals are totally interest-free for up to 45 days – in India or abroad. Please keep in mind, however, that a Cash Advance Fee of ₹199 + GST is applicable per transaction, irrespective of your location or the withdrawal amount. The maximum cash withdrawal limit per transaction is ₹10,000.

Net Banking

o   Pre-login

• Click on the “Generate Credit Card PIN” on the pre-login page [https://my.idfcfirstbank.com/login]

• Enter “Customer ID” & “Credit Card number” and click on Get OTP

• Verify using the OTP sent on your registered mobile number

• Enter and Re-enter PIN of your choice and click on confirm

• Your Credit Card PIN is set

o   Login

• Login to your Net Banking account

• Select Credit Card section

• Select Set new PIN

• Enter and Re-enter PIN of your choice and click on Get OTP

• Please verify through the OTP sent to your registered mobile number

• Your Credit Card PIN is set

o   Mobile Banking App

o   Pre-login

• Select browse icon from the right-side top menu on the login page

• Enter your “Customer ID” & “Credit Card number” and click on Get OTP

• Please verify through the OTP sent to your registered mobile number

• Enter and Re-enter PIN of your choice and click on confirm

• Your Credit Card PIN is set

o   Login:

• Login to Mobile Banking App

• Access the Credit Card section

• Select Set new PIN

• Enter and Re-enter a PIN of your choice and click on Get OTP

• Your Credit Card PIN is set

o   Customer Care: Dial our Customer Care and follow the instructions to generate the PIN

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 brand offers, you can visit the offers website

After activating the card, you must spend ₹5,000 or more within 30 days to be eligible for a ₹500 Gift Voucher from one of our partner brands. 

The Diamond Reserve Credit Card provides ZERO forex markup. Spend without paying extra fees while travelling abroad as well as on international purchases made from India.

Yes, Diamond Reserve Credit Card offers:

-       2 complimentary visits per quarter to lounges and spas at domestic airport terminals in India.

-       2 complimentary visits per quarter to overseas lounge terminals.

-       To view the list of airport lounges, click here

-       The lounge benefit can be availed in the next calendar month by spending ₹20,000 or more in the current calendar month.

Using the Diamond Reserve Credit Card, you get buy-one-get-one movie offer twice a month on Zomato District App. You can get a discount of up to ₹250 on the second ticket.

Yes, Diamond Reserve Credit Card offers up to 2 complimentary golf rounds/lessons per month. The golf benefit can be availed in the next calendar month on spending ₹20,000 or more in a statement cycle. You can also book golf slot by clicking here. - https://idfcfirst.truztee.com/

Yes, Diamond Reserve Credit Card offers:

-       2 complimentary visits per quarter to lounges and spas at domestic airport terminals in India.

-       2 complimentary visits per quarter to overseas lounge terminals.

-       To view the list of airport lounges, click here

-       The lounge benefit can be availed in the next calendar month by spending ₹20,000 or more in the current calendar month.

You can activate your complimentary lounge visits in the next month by spending a minimum of ₹20,000 in the current calendar month.

For e.g., Meet the spend criteria between 1st to 31st Jan 2026 to activate the benefit in Feb-2026.

You can still utilize the remaining quota of lounge visits for the quarter by spending in the current month and avail the benefits in the last month of the quarter. There will be no carryover of the quarterly quota.

You can check your lounge activation status on www.dreamfolks.in

You will be eligible for CFAR If you have done minimum 1 transaction on your IDFC Diamond Reserve/Select Credit Card in the calendar month preceding the start of the policy period. For example, spends in June 2025 will make you eligible for the policy period 1st July 2025 to 30th April 2026.

IDFC FIRST Bank will inform all customers at the start of the policy

Once the policy is issued, it is not mandatory to transact every month in the policy period to keep it active.

For availing CFAR benefit, both bookings and cancellations must be within the policy period.

CFAR is a complimentary benefit offered to select IDFC FIRST Credit Card holders at no additional cost.

As this is a complimentary benefit available to select customers, coverage shall be applicable as per the specified terms & conditions.

Refundable and non-refundable flight tickets are eligible for claims under CFAR. However, only the non-refundable portion of the ticket shall be reimbursed to you.

You can claim only twice in a policy period. No further claims are covered.

Yes. You will earn:

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 and insurance transactions.

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.

o   1X reward point is given for every ₹150 spent in a transaction.

o   Value of 1 reward point is ₹0.25.

Education, Wallet Load, Government, Rent and Property Management/Purchase transactions, Utilities, Insurance, International transactions, EMI, Cash Withdrawal, Fuel, Fee and Charges.

You can use your Reward Points while paying online or while shopping at a store. Just choose the option to pay with points. 

There is no expiry date on the Reward Points accrued on your IDFC Diamond Reserve Credit Card. You can use your Reward Points whenever you want, without the fear of losing them.

If you are applying for your first IDFC FIRST Bank unsecured credit card, you will get a credit limit as per our internal policies.

If you already have an IDFC FIRST Bank unsecured credit card, your new credit card will also have the same credit limit. The credit limit, however, will be shared across all unsecured credit cards.

IDFC FIRST Bank Credit Cards offers among the lowest interest rates in the country, so it won’t weigh on your pocket if you can’t clear your entire monthly dues occasionally. IDFC FIRST Bank offers low interest rates starting from 8.5% to 42% per annum. Usually, other credit cards charge as high as 42% per annum interest rate in case you choose to carry forward part of your outstanding balances.