IDFC FIRST Bank · Premium
Diamond Reserve
Where it ranks across all 187 cards
#48 Wallet load
0.5%
direct
#70 Education
0.5%
direct
#100 Jewellery & watches
0.5%
direct
#104 Gaming
0.5%
direct
#113 Mobile / broadband
0.5%
direct
#122 Train tickets
0.5%
direct
#135 Health & pharmacy
0.5%
direct
#138 Other
0.5%
direct
#139 Electronics
0.5%
direct
#140 Flights
0.5%
direct
#140 Hotels
0.5%
direct
#141 Groceries
0.5%
direct
#142 Movies & events
0.5%
direct
#145 Online shopping
0.5%
direct
#145 Fashion
0.5%
direct
#146 Food delivery
0.5%
direct
#147 Dining out
0.5%
direct
#91 Insurance
0.2%
direct
#108 Utility bills
0.2%
direct
#166 Cabs & transit
0.2%
direct
Get an email if this card changes - sign in.
Points valued at ₹0.25/pt - conservative, what rankings use
Reward rules2 direct
Base rate - everything not covered below
0.50%base rate
3 pts / ₹150
source
Source: IDFC FIRST Diamond Reserve Credit Card - idfcfirst.bank.in - read 30 Sep 2026
1 pt / Rs 150 on utilities, insurance, railways and FASTag
0.17%this rule
1 pt / ₹150
source
Source: IDFC FIRST Diamond Reserve FAQ - idfcfirst.bank.in - read 30 Sep 2026
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on1 exclusion
International transactions · Fuel, EMI
earns nothing
No reward points on international spends, EMI conversions, cash withdrawal, fuel, or fee/charges.
→ use IndianOil RBL XTra here (7.5%)
detail & source
categories: Fuel, EMI · international: yes
Source: IDFC FIRST Diamond Reserve FAQ - idfcfirst.bank.in - read 30 Sep 2026
Perks the card unlocks at these places, beyond its earn rate. They never change a ranking - check the bank page before you count on one.