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  • As per amendment in the Income Tax Rules, PAN or Aadhaar are to be mandatorily quoted for cash deposit or withdrawal aggregating to Rupees twenty lakhs or more in a FY. Please update your PAN or Aadhaar. Kindly reach out to the Bank’s contact center on 1800 10 888 or visit the nearest IDFC FIRST Bank branch for further queries.

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Diamond Reserve
Savings Account

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Earn up to 7% p.a. Interest

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Enjoy Monthly Compounding Interest

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Experience ZERO Fee Banking

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Enjoy 0% Forex Markup

By Invite Only

Apply Now

Overview

Welcome to a new benchmark in banking—designed exclusively for those who expect nothing less than the finest. The Diamond Reserve Savings Account isn’t just a place to hold your wealth—it’s a refined experience that blends luxury, security, and effortless financial freedom.

Key Features

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7%* p.a. Interest on your Savings

Earn 7%* p.a. on your Savings Account, with interest calculated daily & credited monthly for faster, more efficient growth.

Monthly Compounding Interest for Faster Growth

Accelerate your savings with monthly interest payouts & the power of monthly compounding – far ahead of the industry’s standard quarterly cycle.

Zero Fee Banking on All Savings Account Services

Enjoy Zero Fee Banking on ALL Savings Account services like IMPS, NEFT, RTGS, Cheque Book, ATM Transactions, SMS Alerts & 30 more services.

0% Forex Markup

Enjoy Zero Forex Markup on international Debit Card Spends.
Shop online or abroad at the real exchange rate, with no extra charges.

3/Q Domestic Airport Lounge Access

Get complimentary access to domestic airport lounges – up to 3 visits per quarter.

Dedicated Relationship Manager

Enjoy prompt, personalised financial guidance from your Relationship Manager with the Diamond Reserve Savings Account.

Distinct By Design
Diamond Reserve Debit Card

Enjoy 0% Forex Markup

• Spend internationally with zero forex markup & save more on every foreign currency transaction.
• Indulge in shopping, dining & travel with no markup charges.

Enhanced Limits

• Cash withdrawal limit of ₹7 Lakhs
• POS purchase limit of ₹12 Lakhs

Insurance and Protection

• Personal Accident Insurance cover of ₹1 Crore
• Air Accident Insurance cover of ₹2.5 Crore Lost Card Liability cover of ₹12 Lakhs
• Cyber Insurance cover of ₹5 Lakhs
• Purchase Protection cover of ₹1 Lakh
• Trip Cancellation cover of ₹1 Lakh
• Travel Insurance cover of $10,000

Roadside Assistance

Enjoy 4 complimentary services every year, available 24×7, so you’re never left stranded during a breakdown. Drive with complete peace of mind!

Complimentary Airport Lounge Access

Relax in comfort with 3 complimentary Domestic Airport Lounge visits per quarter.

Complimentary Golf Access

Tee off at some of India’s finest golf courses with 1 lesson per month and 4 complimentary green fee rounds per year.

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1.12 million+ happy users

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Exclusivity at Its Core

Exclusivity at Its Core

The Diamond Reserve Savings Account is available only by invitation – an exclusive privilege reserved for a select few. If you’ve received an invitation, simply connect with your dedicated Relationship Manager to begin your journey.

Fees and Charges

Fees and Charges

Enjoy Zero Fee Banking on all Savings Account services with your IDFC FIRST Bank Savings Account – whether it’s fund transfers, ATM withdrawals, Demand Drafts, Cheque books, or more. Every Savings Account comes with Zero Fee Banking to keep your experience simple, transparent, and stress-free.

Know all fees and charges

Diamond Reserve Credit Card

Complimentary for You!

  • Experience seamless global travel with 0% forex markup, complimentary lounge access and trip cancellation cover.
  • Enjoy exclusive privileges across travel, dining, movies, golf, and more.
  • Earn up to 10X reward points on your spends, and access 300+ merchant offers for unmatched value.
Know More

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