IDFC FIRST Diamond Reserve vs RBL Platinum Maxima
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 6.5/10.
| Feature | IDFC FIRST Diamond Reserve | RBL Platinum Maxima |
|---|---|---|
| CardTrail Score | 9.0/10 | 6.5/10 |
| Annual Fee | ₹3,000 | ₹2,000 |
| Base Reward Rate | 0.5% | 0.5% |
| Max Reward Rate | 10% | 1.25% |
| Forex Markup | Zero | 3.5% |
| Domestic Lounges | 8 | 1 |
| International Lounges | 8 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa | Mastercard |
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 1.25%
- Airport lounge access matters — 8 domestic visits
Forex Cost Comparison
On ₹1,00,000 annual international spending: IDFC FIRST Diamond Reserve costs ₹0 in forex fees vs RBL Platinum Maxima at ₹4,130. You save ₹4,130/year with IDFC FIRST Diamond Reserve.
Annual Fee Value Analysis
To break even on IDFC FIRST Diamond Reserve's ₹3,000 fee at 0.5% rewards, spend ₹50,000/month.
To break even on RBL Platinum Maxima's ₹2,000 fee at 0.5% rewards, spend ₹33,333/month.