Key Features & Benefits
- ✦10X Reward Points on monthly spends ≥₹20,000
- ✦3X Reward Points on other eligible spends
- ✦1X on insurance, utility, fuel (above ₹30K), rent, wallet reloads
- ✦Zero forex markup on all international transactions
- ✦2 complimentary domestic airport lounge visits per quarter (8/year)
- ✦2 complimentary international airport lounge visits per quarter (8/year)
- ✦4 complimentary railway lounge visits per quarter (spend-gated)
- ✦Buy 1 Get 1 movie tickets (spend-gated)
- ✦Trip cancellation cover ₹50,000
- ✦Reward Points never expire
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Welcome & Joining Benefits
- ✦Welcome gift vouchers worth ₹500 on spend within 90 days
Milestone Benefits
- ✦Check IDFC FIRST Bank website for current benefits
Pros & Cons
✓ Advantages
- ✓Zero forex at mid-tier ₹3,000 fee — great value for travellers
- ✓8 domestic + 8 international lounge visits/year
- ✓Balanced travel card — covers most traveller needs
- ✓Rewards never expire
✗ Disadvantages
- ✗No annual fee waiver
- ✗10X gated behind ₹20K monthly spend
- ✗Lower lounge count than Mayura at higher fee
Frequently Asked Questions
Diamond Reserve vs Ashva — which is better for travellers?
Diamond Reserve has zero forex (vs 1% Ashva) and 8 international lounge visits/year (vs 8 also for Ashva). Ashva has a metal card design. Diamond Reserve is better for frequent international spenders; Ashva wins on premium card feel.
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