Question 1

Is IDFC FIRST Diamond Reserve Credit Card worth the ₹3,000 annual fee?

Accepted Answer

IDFC FIRST Diamond Reserve Credit Card has an annual fee of ₹3,000. The fee can be waived if you spend ₹6l/year. With a base reward rate of 0.5% (up to 10%), 8 domestic lounge visits, and a CardTrail Score of 7.7/10, it offers good value for the price.

Question 2

What is the reward rate on IDFC FIRST Diamond Reserve Credit Card?

Accepted Answer

IDFC FIRST Diamond Reserve Credit Card offers a base reward rate of 0.5% on regular spends, going up to 10% on select categories. Rewards are earned as Reward Points. New cardholders also get a welcome bonus of 3,000 Reward Points.

Question 3

Does IDFC FIRST Diamond Reserve Credit Card have airport lounge access?

Accepted Answer

Yes, IDFC FIRST Diamond Reserve Credit Card provides 8 domestic and 8 international lounge visits per year. Note: You must spend ₹20,000 per quarter to activate lounge access.

Question 4

What is the forex markup on IDFC FIRST Diamond Reserve Credit Card?

Accepted Answer

IDFC FIRST Diamond Reserve Credit Card charges zero forex markup on international transactions, making it one of the best cards for foreign currency spends. You save the typical 1.5–3.5% markup that most cards charge, plus GST on that markup.

Question 5

IDFC FIRST Diamond Reserve Credit Card vs Axis Atlas — which is better?

Accepted Answer

IDFC FIRST Diamond Reserve Credit Card (CardTrail Score: 7.7/10) and Axis Atlas (Score: 9.1/10) are both premium cards. IDFC FIRST Diamond Reserve Credit Card by IDFC FIRST has a ₹3,000 fee with 0.5% base rewards, while Axis Atlas by Axis has a ₹5,000 fee with 2% base rewards. Use our comparison tool for a detailed side-by-side analysis.

IDFC FIRST Diamond Reserve Credit Card

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