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ICICI Bank Diamant Credit Card
ICICI's invite-only top-tier card, pairing a very high ₹1,25,000 joining fee with a MacBook Air welcome gift that alone can exceed the fee in value, plus unlimited global lounge and golf access — squarely aimed at ultra-HNI relationship customers rather than open applicants. It functions more as a lifestyle and status card for private banking clients than a rewards-earning instrument.
Annual fee
₹10,000
Joining fee
₹1,25,000
Reward type
points
Base reward rate
0.75%
Card network
Mastercard
Card tier
Super-premium
Who this card fits
Best suited to applicants with a credit score of roughly 750+ whose spend is concentrated in travel, dining. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Movie & dining: Complimentary Taj Epicure membership and Inner Circle Gold membership
- Rewards rate: 0.75% base rate
- Domestic lounge access: Unlimited complimentary domestic lounge access via Priority Pass
- International lounge access: Unlimited complimentary international lounge access via Priority Pass (600+ lounges worldwide)
- Golf: Unlimited complimentary golf rounds at 90+ courses in India and worldwide
Benefits by category
- ✈️ Travel
1.5% reward rate · Unlimited complimentary domestic and international lounge access via Priority Pass (600+ lounges worldwide)
- ⛽ Fuel
1% fuel surcharge waiver on transactions up to ₹4,000
Eligibility
- Minimum credit score: 750
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹25,00,000
- Rewards redemption fee: Free for redemption as statement credit or ICICI's own reward catalogue vouchers; ₹99 + GST per redemption request for select third-party gift/merchandise catalogue items
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000
- Cash advance charges: 2.5% of the transaction amount or ₹500, whichever is higher, plus applicable GST
Benefits
- MacBook Air (MD761) as a welcome gift
- Unlimited complimentary domestic and international lounge access via Priority Pass (600+ lounges worldwide)
- Complimentary Taj Epicure membership and Inner Circle Gold membership
- Unlimited complimentary golf rounds at 90+ courses in India and worldwide
- 1% fuel surcharge waiver on transactions up to ₹4,000
- BookMyShow buy-one-get-one movie tickets, up to 4 per month
Pros
- + Unlimited domestic and international lounge access via Priority Pass
- + Unlimited complimentary golf rounds at 90+ courses in India and worldwide
- + Welcome gift (a MacBook Air) alone can exceed the joining fee in value
- + Strong luxury lifestyle bundle — Taj Epicure and Inner Circle Gold memberships
Cons
- − Invite-only — not open to general applicants
- − Extremely high ₹1,25,000 joining fee
- − ₹25 lakh annual spend needed to waive the ₹10,000 renewal fee
- − Thin 0.75% base reward rate given the card's premium positioning
Best for
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