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IDFC FIRST Diamond Reserve Credit Card

Name: IDFC FIRST Diamond Reserve Credit Card
Brand: IDFC FIRST
Price: 3000 INR

IDFC FIRST

7.7

CardTrail Score

Very Good

out of 10

💰 Net Value

5.5

🔓 Accessibility

6.5

⚡ Feature Depth

6.3

🏦 Bank Trust

7.5

How we score →

Compare This Card Full Details

Annual Fee

₹3,000

Forex Markup

No extra charge

Reward Rate

Up to 3%

Lounge Access

domestic | 2 intl

About This Card

The IDFC FIRST Diamond Reserve Credit Card is a premium credit card from IDFC FIRST with an annual fee of ₹3,000. It delivers a solid 1.0% reward rate on all spends. Key perks include zero forex markup, 4 complimentary lounge visits, fuel surcharge waiver. Best suited for frequent travellers.

Pros & Cons

Pros

Competitive 1.0% reward rate
Zero forex markup — great for international use
Fuel surcharge waiver saves on petrol/diesel
Easy EMI conversion on purchases

Cons

₹3,000 annual fee may not suit light spenders
Income eligibility: ₹6L+ per annum

Fee Details

Annual Fee

₹3,000

Joining Fee

₹3,000

Fee Waiver Condition

None

Fuel Surcharge Waiver

Yes

EMI Conversion

Yes

Reward Structure

Base Rate

Max Rate

Currency

Reward Points

Welcome Bonus

3,000 Reward Points

Lounge Access

Domestic Lounges

per year

International Lounges

per year

Key Highlights

+ 1.0% reward rate on all spends
+ Zero forex markup on international spends
+ 4 domestic lounge visits per year
+ Fuel surcharge waiver at all pumps

Compare With...

See how IDFC FIRST Diamond Reserve Credit Card stacks up against top alternatives

HDFC Diners Club Black

HDFC

9.4

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