ICICI Diamant Credit Card 2025
Save over ₹1,20,000+ every year with unlimited lounges, high rewards & luxury perks!
Ultimate premium lifestyle card! ICICI Diamant gives unlimited lounge access worldwide, 6 RP/₹100 (3% return) on all spends, premium metal card, ₹10,000 welcome vouchers, 6 golf rounds/month, and 1.99% forex markup.
Perfect for high-spenders seeking elite perks!
Why Choose ICICI Diamant in 2025?
Unlimited lounges • 6 RP/₹100 everywhere • Metal card • ₹10K vouchers • 1.99% forex • 6 golf rounds/month • ₹2.5 Cr insurance
Best for: High spenders (₹2L+/month), frequent travelers, luxury lovers
Premium Fee – ₹12,499 Annual Fee (Non-waivable)
Card At a Glance
₹12,499 + GST
₹12,499 + GST
6 RP/₹100 (3% return)
₹10,000 Vouchers
Unlimited Domestic + International
1.99%
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹12,499 + GST |
| Annual Fee | ₹12,499 + GST |
| Welcome Benefit | ₹10,000 Vouchers on first txn |
| Rewards Redemption Fee | ₹99 |
| Foreign Currency Markup | 1.99% + GST |
| Interest Rate | 3.5% per month |
| Fuel Surcharge Waiver | 1% (max ₹1,500/month) |
| Cash Advance Fee | 2.5% of amount |
Detailed Reward Rates (2025)
- 6 Reward Points per ₹100 (3% return) on ALL spends
- 1 RP = ₹0.50 (vouchers) | 1:1 airmiles transfer (20+ partners)
- No expiry on reward points
- Bonus: Up to 30,000 RP on ₹8L annual spend
- No exclusions except wallet loads
Airport Lounge Access
Unlimited domestic lounges for primary + add-ons
Unlimited international lounges via Priority Pass + Dreamfolks
No spend requirement • Guests included
Insurance & Protection Benefits
- ₹2.5 Crore air accident cover
- ₹1 Crore personal accident cover
- ₹75 Lakh emergency medical
- 6 golf rounds/month free
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| Unlimited lounges worldwide | ₹12,499 non-waivable fee |
| 6X rewards (3% everywhere) | 3.5% interest rate |
| 1.99% low forex + metal card | High eligibility (₹30L income) |
| ₹10K welcome vouchers | No fee waiver |
| 6 golf rounds/month | |
| ₹2.5 Cr insurance |
Eligibility Criteria & Documents Required
- Age: 21–65 years
- Minimum Annual Income: ₹30 Lakh
- Credit Score: 780+ preferred
- Documents: PAN, Aadhaar, ITR, salary slip
How to Apply Online (5-Minute Process)
- Visit ICICI website and select Diamant Card
- Fill basic details → Get instant pre-approval
- Upload PAN, Aadhaar & income proof
- Video KYC (2–3 minutes)
- Metal card approved & dispatched in 7–10 days
Final Verdict – Should You Get It in 2025?
Elite premium pick! Unlimited lounges + 3% rewards + metal card = ₹1,20,000+ value for high-spenders. Great if income >₹30L & heavy travel, but skip if low spends.
Frequently Asked Questions (FAQs)
Unlimited lounges worldwide?
Yes! Domestic + Priority Pass international for primary + add-ons.
6X on all spends?
Yes! 6 RP/₹100 everywhere except wallet loads.
1.99% forex markup?
Yes! Lowest in premium segment.
Metal card details?
Premium titanium with diamond-cut design.
High income needed?
Yes, ₹30L+ annual income required.