IDFC FIRST Diamond Reserve
IDFC FIRST Bank · Checked 2026-10-09
IDFC FIRST Diamond Reserve is a paid card focused on travel benefits, international spending and airport lounge access, charging ₹3,000 annually before GST.
CardIQ editorial view
Our take
IDFC FIRST Diamond Reserve is a paid card focused on travel benefits, international spending and airport lounge access, charging ₹3,000 annually before GST.
Who it suits
- People who prioritise travel benefits.
- People who prioritise international spending.
- People whose normal usage can recover the annual fee through relevant benefits.
Key strengths
- Up to 10 points per ₹150 on eligible monthly purchases.
- Two domestic and two international lounge visits per quarter, subject to the issuer’s programme conditions.
Trade-offs to understand
- 0% foreign-currency markup.
- Two domestic and two international lounge visits per quarter, subject to the issuer’s programme conditions.
- ₹6 lakh eligible annual spend reverses the renewal fee.
CardIQ verdict
It deserves a place on the shortlist when your normal spending makes up to 10 points per ₹150 on eligible monthly purchases valuable enough to clear the fee. Factor in this condition: 0% foreign-currency markup.
Compare before deciding
- RBL Bank World Safari — A similarly priced alternative for comparing airport lounge access and reward points.
- SBI Card MILES PRIME — A lower-fee way to compare similar strengths in airport lounge access and reward points.
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Benefits, limits and conditions
- 0% foreign-currency markup.
- Two domestic and two international lounge visits per quarter, subject to the issuer’s programme conditions.
- ₹6 lakh eligible annual spend reverses the renewal fee.