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IDFC First · Visa

Diamond Reserve Credit Card

Distinct By Design

Annual fee
₹3,000
Forex markup
0%
Lounges (Dom/Intl)
8 / 8
Welcome benefit
₹500

Is this card worth it for you?

Drag the sliders to match your spend. The number on the right updates live.

Monthly spend₹50,000
% on travel15%
% on dining10%

Remaining 75% goes on everything else (groceries, utilities, online shopping). Earning rate: 1.67% travel · 1.67% dining · 1.67% base.

Net steady-state return
₹10,020 /year
1.67% effective · fee waived
Annual reward earned₹10,020
Welcome benefit (year 1)One-time₹500
Annual fee₹0 (waived)
Joining fee (year 1 only)−₹3,000
Strong fit at this spend.

After fees, you're earning real money on this card. The break-even moves with your category mix — pull travel up if you fly more, dining if you eat out.

vs Kotak White Credit Card

At ₹50,000/month with 15% travel and 10% dining.

Metric
Diamond Reserve Credit Card
Kotak White Credit Card
Annual fee
₹3,000
₹3,000
Annual reward
₹10,020
₹1,500
Net /year (steady)
₹10,020
₹1,500
Forex markup
0%
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Tools for Diamond Reserve Credit Card holders

Frequently asked

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

It depends on your spend. The Diamond Reserve Credit Card earns 1.67% base reward and waives the annual fee at ₹6,00,000 of yearly spend. Use the break-even calculator above to see your specific number.

What is the eligibility for Diamond Reserve Credit Card?

IDFC First hasn't published a hard minimum income for Diamond Reserve Credit Card. Approval depends on credit score, existing relationship, and employment type.

What is the forex markup on Diamond Reserve Credit Card?

Diamond Reserve Credit Card charges 0% forex markup on international transactions — this card is built for international spending.

✓ Verified 38 days agolikelySource: www.idfcfirst.bank.in ↗

Reward rates and fees are sourced from IDFC First's product page and may change. Always confirm with the card issuer before applying.