travel
IDFC FIRST Diamond Reserve Credit Card
A zero-forex premium card positioned between IDFC FIRST’s lifetime-free cards and high-fee metal offerings.
Annual Fee
₹3,000+GST; renewal waived on ₹6 lakh annual spend
Rewards
3X up to ₹20,000
Lounge Access
2 domestic + 2 international airport lounge visits/quarter after ₹20,000 preceding-month spend; railway lounge access also included
Fuel Waiver
1%, capped at ₹300/statement cycle
Milestone
₹6 lakh annual spend waives renewal fee
Best For
Frequent travelers wanting zero forex without Mayura/Gaj-level fees
Welcome Offer
Benefits worth ₹5,000+ on joining-fee payment + 5% first-EMI cashback up to ₹1,000
Type
Travel
Description
Diamond Reserve is a ₹3,000+GST premium travel card with zero forex markup and annual-fee waiver after ₹6 lakh yearly spend. It earns 3X points on eligible spends up to ₹20,000 and 10X on incremental eligible spending above that threshold and birthday purchases. Unlike Mayura, current terms specifically exclude international transactions from reward earning despite the card charging zero forex. Lounge benefits include two domestic and two international airport visits per quarter after ₹20,000 spend in the preceding month.
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