{
  "id": "idfc-diamond-reserve",
  "locale": "hinglish",
  "name": "IDFC FIRST Bank Diamond Reserve Credit Card",
  "bank": "IDFC FIRST Bank",
  "cardType": "travel",
  "cardTier": "premium",
  "annualFee": "₹3,000 + GST (Lifetime Free for migrating Club Vistara cardholders)",
  "loungeAccess": "2 Domestic (Airport/Spa) + 2 International Lounges per quarter on ₹20k monthly spend + 4 Railway Lounges",
  "rewardsRate": "0% Zero Forex Markup · 10X Rewards on Spends above ₹20k & Birthday · 3X Base (1 pt = ₹0.25)",
  "bestFor": "Zero forex markup (0%) on international spends, airport lounge & spa access, golf perks, and Club Vistara replacement",
  "officialLink": "https://www.idfcfirst.bank.in/credit-card/diamond-reserve-credit-card",
  "aiVerdict": {
    "score": 6.2,
    "summary": "Its lifetime-free pricing offset the lack of lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "Limited lounge access compared with premium travel cards",
      "Data quality is PARTIAL, not fully live-verified"
    ],
    "confidence": 0.75
  },
  "affiliateId": "idfc-diamond-reserve",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "PARTIAL",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "https://www.idfcfirst.bank.in/credit-card/diamond-reserve-credit-card",
    "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/MITC-Document-Customer.pdf"
  ],
  "feeWaiver": "Waived on ₹6 Lakh annual spends (Lifetime Free for migrated Vistara cardmembers)",
  "networks": [
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Annual Fee",
      "value": "₹3,000 + GST (Vistara walo ke liye LTF)"
    },
    {
      "key": "Foreign Currency Markup",
      "value": "0% (Zero Forex Markup)"
    },
    {
      "key": "Airport Lounge Access",
      "value": "16 visits / year (8 Domestic + 8 Intl)"
    },
    {
      "key": "Golf Privileges",
      "value": "2 complimentary rounds / month"
    },
    {
      "key": "Movie Offer",
      "value": "BOGO up to ₹250 twice / month"
    },
    {
      "key": "Trip Cancellation Cover",
      "value": "Up to ₹25,000 (CFAR protection)"
    }
  ],
  "earnRates": [
    {
      "category": "Monthly Spends above ₹20k & Birthday Spends (10X)",
      "rate": "1.67% (10 Points / ₹150)",
      "monthlyCap": "Credit limit tak",
      "perLakhSpent": "6,666 Points (₹1,667 value)"
    },
    {
      "category": "Normal Domestic Spends up to ₹20k (3X)",
      "rate": "0.50% (3 Points / ₹150)",
      "monthlyCap": "₹20,000 / month",
      "perLakhSpent": "2,000 Points (₹500 value)"
    },
    {
      "category": "Education, Wallet, Govt & Rent Spends (3X)",
      "rate": "0.50% (3 Points / ₹150)",
      "monthlyCap": "Credit limit tak",
      "perLakhSpent": "2,000 Points (₹500 value)"
    },
    {
      "category": "Utilities, Insurance, Railway & Fastag (1X)",
      "rate": "0.17% (1 Point / ₹150)",
      "monthlyCap": "Credit limit tak",
      "perLakhSpent": "666 Points (₹167 value)"
    },
    {
      "category": "International Spends (0% Forex Markup + Rewards)",
      "rate": "0% Forex + 3X–10X Points (Up to 1.67%)",
      "monthlyCap": "Credit limit tak",
      "perLakhSpent": "2,000–6,666 Points + ₹3,500 Forex Savings"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Spends above ₹20,000 in Billing Cycle",
      "multiplier": "10×",
      "rate": "1.67%",
      "monthlyCap": "Credit limit",
      "dailyCap": "—",
      "note": "Statement cycle me ₹20,000 cross hote hi sabhi incremental spends par 10X points activate ho jate hain."
    },
    {
      "channel": "Birthday Spends",
      "multiplier": "10×",
      "rate": "1.67%",
      "monthlyCap": "Credit limit",
      "dailyCap": "—",
      "note": "Cardholder ke birthday par sabhi eligible transactions par 10X points milte hain."
    },
    {
      "channel": "International Transactions",
      "multiplier": "0% Markup + Points",
      "rate": "Zero Forex + 3X–10X Points",
      "monthlyCap": "Credit limit",
      "dailyCap": "—",
      "note": "Overseas POS aur foreign online spends par complete 0% forex markup waiver ke sath continuous reward points."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Flights & Hotel Bookings (IDFC Travel Portal)",
      "value": "₹0.25 / Reward Point",
      "minPoints": "1 pt",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Gift Cards & Shopping Vouchers",
      "value": "₹0.25 / Reward Point",
      "minPoints": "500 pts",
      "ceiling": "None",
      "fee": "Nil"
    },
    {
      "route": "Pay With Points at Online Checkout",
      "value": "₹0.25 / Reward Point",
      "minPoints": "100 pts",
      "ceiling": "None",
      "fee": "Nil"
    }
  ],
  "exclusions": [
    "Fuel, EMI conversion, cash withdrawal aur bank fees par zero points milte hain.",
    "3X/1X categories (education, rent, utilities) ke spends 10X milestone ke ₹20k threshold me count nahi hote.",
    "Lounge, golf aur movie benefits unlock karne ke liye pichle mahine me ₹20,000 spend hona compulsory hai."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹3,000 + GST (Vistara cardholders ke liye 100% Waived)"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹3,000 + GST (Vistara cardholders ke liye Lifetime Free)"
    },
    {
      "item": "Annual Fee Spend Waiver",
      "value": "Waived on ₹6,00,000 annual retail spend"
    },
    {
      "item": "Foreign Currency Markup Fee",
      "value": "0.00% (Zero Forex Markup)"
    },
    {
      "item": "Finance Charges (Retail APR)",
      "value": "8.50% se 42.00% p.a. (Dynamic credit score based)"
    },
    {
      "item": "ATM Cash Withdrawal Fee",
      "value": "₹199 + GST per transaction (0% interest till due date)"
    },
    {
      "item": "Reward Redemption Fee",
      "value": "₹0 (Zero redemption fee)"
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Minimum Age",
      "requirement": "21 years (Primary Cardholder)"
    },
    {
      "criteria": "Minimum Net Monthly Income",
      "requirement": "₹1,50,000 / month (ya equivalent ITR / banking relationship)"
    },
    {
      "criteria": "Employment Type",
      "requirement": "Salaried ya Self-Employed Professional"
    },
    {
      "criteria": "Vistara Migration Eligibility",
      "requirement": "Existing active Club Vistara IDFC FIRST cardholders ko automatic 100% Lifetime Fee Waiver milta hai"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}