Premium travel and lifestyle benefits with zero forex charges make luxury spending seamless
Delhi–NCR, January 2026: IDFC First Bank has announced the launch of its new premium offering—the Zero-Forex Diamond Reserve Credit Card, designed specifically for customers who travel internationally and seek a seamless global spending experience. The card combines zero foreign exchange mark-up with a host of travel-focused rewards and lifestyle privileges, enabling hassle-free usage both in India and abroad.
The Diamond Reserve Credit Card offers 0% forex mark-up on all international transactions, positioning it as a strong choice for frequent overseas travellers. Cardholders earn accelerated rewards on travel bookings made through the bank’s app. Hotel bookings earn 60 reward points for every ₹150 spent, translating to a value back of approximately 10 percent. Flight bookings earn 40 reward points per ₹150 spent, offering around 6.6 percent value back. On other monthly spends, customers earn 10 reward points per ₹150, equivalent to about 1.66 percent value back.
The card also includes premium travel and lifestyle benefits such as two complimentary domestic and two international airport lounge visits per quarter, two free golf rounds or lessons every month, and a complimentary airport meet-and-greet service on annual international spends of up to USD 1,000. Entertainment and hospitality perks include a buy-one-get-one movie ticket offer every month and a third night free on booking two nights at ITC Hotels.
In addition, cardholders receive complimentary trip cancellation cover up to ₹25,000, lost baggage and flight delay cover, air accident insurance of up to ₹1 crore, and personal accident cover up to ₹10 lakh.
The Diamond Reserve Credit Card also carries IDFC First Bank’s signature features, including dynamic interest rates starting at 8.5 percent per annum, among the lowest in its category. Customers can withdraw cash from ATMs worldwide at 0 percent interest until the payment due date, with a nominal fee of ₹199 per transaction. Reward points never expire, have no earning cap, and can be redeemed freely across e-commerce and online platforms. Spending over ₹20,000 in a billing cycle can unlock up to 10x reward points, along with fuel surcharge waivers at select fuel stations.
Priced at ₹3,000 plus GST, the Diamond Reserve Credit Card offers a premium value proposition, with the annual fee waived on spending ₹6 lakh in a year, effectively making the card free from the second year onwards.
Commenting on the launch, Shirish Bhandari, Head – Credit Cards, FASTag and Loyalty, IDFC First Bank, said, “Diamond Reserve is an ideal option for customers who travel internationally and are looking for a premium card that works seamlessly in India and overseas. With zero forex mark-up, travel-focused rewards and annual fee waiver on ₹6 lakh spends, it is well suited for a global travel and lifestyle experience.”
How to apply:
The Zero-Forex Diamond Reserve Credit Card is now available to eligible customers and can be applied for digitally through IDFC First Bank’s website or mobile app.
