Bank of Baroda Select vs IDFC FIRST Diamond Reserve
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
IDFC FIRST Diamond Reserve Credit Card wins 5 of 8 dimensions with a CardTrail Score of 9.0/10 vs 5.7/10.
| Feature | Bank of Baroda Select | IDFC FIRST Diamond Reserve |
|---|---|---|
| CardTrail Score | 5.7/10 | 9.0/10 |
| Annual Fee | ₹750 | ₹3,000 |
| Base Reward Rate | 0.5% | 0.5% |
| Max Reward Rate | 2% | 10% |
| Forex Markup | 3.5% | Zero |
| Domestic Lounges | 0 | 8 |
| International Lounges | 0 | 8 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa | Visa |
When to Choose Bank of Baroda Select
- You can meet the fee waiver condition: Spend ₹70K/year
- Your primary spend is: general, lounge, rewards
When to Choose IDFC FIRST Diamond Reserve
- You can meet the fee waiver condition: Spend ₹6L/year
- You travel internationally — saves ₹3,500/year on ₹1L forex spend
- You want higher rewards — up to 10% vs 2%
- Airport lounge access matters — 8 domestic visits
Forex Cost Comparison
On ₹1,00,000 annual international spending: Bank of Baroda Select costs ₹4,130 in forex fees vs IDFC FIRST Diamond Reserve at ₹0. You save ₹4,130/year with IDFC FIRST Diamond Reserve.
Annual Fee Value Analysis
To break even on Bank of Baroda Select's ₹750 fee at 0.5% rewards, spend ₹12,500/month.
To break even on IDFC FIRST Diamond Reserve's ₹3,000 fee at 0.5% rewards, spend ₹50,000/month.