IDFC FIRST Bank Metal Credit Card (Diamond Reserve)
IDFC FIRST Bank
IDFC FIRST Bank Metal Credit Card (Diamond Reserve)
IDFC FIRST Bank
Annual Fee
₹12,500
Effective Rate
0.50%
Network
VISA
Point Value
₹0.50/pt
About IDFC FIRST Bank Metal Credit Card (Diamond Reserve)
0% forex markup. 33% effective value back as reward points. Super-premium metal card. Unlimited lounge access. Multiple tier options: ₹2,999 (16% value), ₹5,999 (20% value), ₹12,500 (33% value).
Best For
Pros & Cons
thumb_upPros
- check_circleUnlimited Airport Lounge Access
- check_circleZero forex markup on international transactions
- check_circleComplimentary Golf
thumb_downCons
- cancelHigh annual fee of ₹12,500
- cancelMay require existing banking relationship or invitation
- cancelPoints redemption catalog may limit flexibility
Reward Earning Structure
Each point is worth ₹0.50 — an effective return of 0.50% on spend.
| Category | Earn Rate | Per ₹10,000 Spent |
|---|---|---|
| All other spends | 120% | 12000 pts≈ ₹6,000 |
| All other spends | 60% | 6000 pts≈ ₹3,000 |
| All other spends | 10% | 1000 pts≈ ₹500 |
Points can typically be redeemed for flight tickets, hotel bookings, cashback, gift vouchers, or merchandise via the IDFC FIRST Bank rewards portal. Redemption value may vary by option.
Card Benefits
Unlimited Airport Lounge Access
Unlimited domestic + 12 international lounge visits per year via DreamFolks
~₹36,000/yr value
Complimentary Golf
4 complimentary golf rounds per month + 4 green fee waivers
~₹25,000/yr value
24/7 Lifestyle Concierge
Round-the-clock concierge for all lifestyle needs
~₹8,000/yr value
Comprehensive Travel Insurance
Air accident cover ₹2 Cr, overseas medical cover, trip cancellation
~₹10,000/yr value
Hotel Membership
Complimentary hotel membership at select partner hotels
~₹8,000/yr value
Zero Forex Markup
No foreign currency markup on international transactions
~₹5,000/yr value
Fees & Charges
Key fees at a glance. For the complete schedule refer to the official Key Fact Statement (KFS) on the IDFC FIRST Bank website.
| Annual Fee | ₹12,500 |
| Forex Markup | 0% (Zero Markup) |
| Interest Rate (APR) | Refer to KFS |
| Late Payment Charges | Refer to KFS |
| Cash Advance Fee | Refer to KFS |
Eligibility & Documents Required
Eligibility Criteria
- checkAge: 18–70 years (primary cardholder)
- checkMinimum annual income: As per bank norms
- checkCIBIL score: 750+ recommended
- checkEmployment: Salaried or self-employed Indian resident
Documents Required
- descriptionPAN Card (mandatory)
- descriptionAadhaar / Passport / Voter ID (address proof)
- descriptionSalary slips — last 3 months (salaried)
- descriptionLatest ITR or Form 16 (self-employed / salaried)
- descriptionBank statements — last 3 months
- descriptionPassport-size photograph
Frequently Asked Questions
Common questions about IDFC FIRST Bank Metal Credit Card (Diamond Reserve).
Ready to apply for IDFC FIRST Bank Metal Credit Card (Diamond Reserve)?
Apply directly on the IDFC FIRST Bank website. Most decisions within 7–10 working days.
Affiliate disclosure: CreditBrain may earn a referral fee if you apply via our link. This does not affect our editorial independence.