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IDFC FIRST Bank

Diamond Reserve

IDFC FIRST Bank

Joining fee
₹3,000
Spending abroad
0% markup

Earns more

9

Airport lounge access

Conditions apply
Conditions apply
More from the issuer 28

Visit limits and reset periods

Up to 2 complimentary visits per quarter at participating airport lounges at Indian Airports (domestic and international).

Up to 2 complimentary visits per quarter to lounges at select Global Airport Terminals.

Enjoy 2 domestic and 2 international Last-minute change of plans? complimentary airport lounge visits every quarter. Get reimbursed for up to ₹ 25,000 Spend ₹ 20,000 in current month to unlock on the non-refundable portion the benefit next month. of hotel and flight cancellations. source ↗

Spend and eligibility

Earn up to 50 Bonus Reward Points on travel spends made on our app for available lounges source ↗

Lounge Facilities: Eligible cardholders receive access to the lounge, including food and beverages, as applicable under the agreement between DreamFolks and the lounge. Cardholders are advised to check what services and facilities are covered under the lounge program. source ↗

How to enter

Access and Authorization: Access to the lounges is granted upon successful authorization of the Diamond Reserve Credit Card on the electronic terminals placed at the lounges. For credit card authorization, a nominal charge of INR 2 will be deducted to verify the card's validity. Once the card is swiped successfully, it can only be used again after 24 hours from the last access. source ↗

Eligibility and Presentation: Present your Diamond Reserve Credit Card plus a valid same/next-day ticket or boarding pass at participating lounge entrances. The service is only available for intended cardholder and is non-transferable. The user's name on the credit card will be matched with the name on the boarding pass/ air ticket to ensure access is being availed by the entitled cardholder only. source ↗

Flight Information: Participating airport lounges are not contractually obligated to announce flights or remind customers of their flight boarding times.

Primary, add-on and guests

Guest access and fees are subject to the terms and conditions of the participating lounges.

Validity and timing

Authorization and Charges: Access to the lounges is granted upon successful authorization of the Diamond Reserve Credit Card on the electronic terminals placed at the lounges. For credit card authorization, a nominal charge of INR 2 will be deducted to verify the card's validity. source ↗

Please note, certain global airport lounges require prior online booking—up to 48 hours before your visit.

Customers can access the lounge for up to 2 hours.

Where access works

Terms & Conditions for Indian Airport Lounge Access This section sets out the terms and conditions governing access to participating airport lounges at domestic and international terminals located within India. The benefit is offered by IDFC FIRST Bank in partnership with EliteAssist. source ↗

Alcoholic Beverages: Alcoholic beverages are not part of the offer at lounges situated at domestic departure terminals. source ↗

Program Changes: IDFC FIRST Bank reserves the right to modify, amend, change or revoke the program at any time without prior intimation. The list of participating lounges is subject to change from time to time. source ↗

Charges and exclusions

EMI amortization, fee, charges, and the corresponding GST will not be considered for lounge access benefit.

Check the programme's lounge list for your airport and terminal. An international flight does not by itself make a lounge an overseas one.

Check IDFC FIRST Bank's current card page

Points

Make the most of this card

Use the bonus earning channel

o 3X reward points on spends up to ₹20,000 in a statement cycle.

More rules and steps

o 10X reward points for incremental spends above ₹20,000 in a statement cycle and on your birthday.

Benefits

7
Conditions apply — read the clause.

Earns, up to a limit

1

The normal rate, until a ceiling in the terms.

Earns nothing

5

Spend here and the terms say you earn no rewards.

Terms disagree

1

Two clauses say different things. We are not guessing which one applies.

Earns the normal rate

3

Dated changes

1

Dates the terms name for something changing.

Effective 18th June 2026, what changes are being made to the Diamond Reserve Credit Card?

Every line above is read from IDFC FIRST Bank's own published documents. Tap a line to see the clause. Before a large payment, check the linked document yourself.