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<h1>IDFC FIRST Bank's Diamond Reserve Credit Card offers 0% forex markup, tiered travel rewards, and an annual fee waiver at high spends.</h1> IDFC FIRST Bank's Diamond Reserve Credit Card features 0% forex markup on international spends, tiered reward accruals (up to 60/40/10 points per ?150 on hotels/flights/monthly spends with ?0.25 per point), specified travel and insurance benefits, an annual fee of ?3,000+GST with waiver at ?6 lakh annual spends, dynamic interest rates from 8.5% p.a., 0% interest on ATM cash withdrawals until due date subject to a ?199 fee, lifetime reward validity, unrestricted redemption, and digital application for eligible customers.