Union Bank Nexteria (RuPay Ekaa) vs IDFC Diamond Reserve

Compare Union Bank Nexteria (RuPay Ekaa) vs IDFC Diamond Reserve across fees, rewards, cashback, lounge access, and eligibility to shortlist the best fit.

Comparison cockpit

Futuristic side-by-side card intelligence

IDFC Diamond Reserve has the strongest mix of rewards and low fees in this comparison.

Card 1

Union Bank Nexteria (RuPay Ekaa)

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.10.0

Card 2

IDFC Diamond Reserve

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.8.7

Premium stack10.0

union / RUPAY

Union Bank Nexteria (RuPay Ekaa)

Annual

₹12,499

Return

Lounges

Unlimited

Forex

3.5%

Card summary

Union Bank Nexteria (RuPay Ekaa) leans travel and lifestyle with ₹12,499 annual fee, 1% headline return potential, and Unlimited lounge access.

Pros

Strong benefit ceiling if you recover the ₹12,499 annual fee.
1% cashback keeps value easy to understand.
Unlimited lounge access adds travel utility.

Cons

3.5% forex markup can reduce overseas value.
Higher ₹25,00,000 income expectation narrows eligibility.
Travel value depends on actually using lounge and trip perks.

Best for

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.

Value profile

Best when annual benefits are actively redeemed.

Full card details

Balanced value8.7

idfc / VISA

IDFC Diamond Reserve

Annual

₹3,000

Return

6.6%

Lounges

Forex

Card summary

IDFC Diamond Reserve leans travel and lifestyle with ₹3,000 annual fee, 6.6% headline return potential, and 4 lounge access.

Pros

Strong benefit ceiling if you recover the ₹3,000 annual fee.
6.6% reward rate can outperform flat cashback for loyal users.
4 lounge access adds travel utility.

Cons

Low forex markup matters mainly if you travel internationally.
Higher ₹36,00,000 income expectation narrows eligibility.
Travel value depends on actually using lounge and trip perks.

Best for

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details

Metric

Union Bank Nexteria (RuPay Ekaa)

IDFC Diamond Reserve

Fees

Annual fee

₹12,499

₹3,000

Joining fee

₹12,499

₹3,000

Rewards

Cashback rate

0.5%

Reward rate

6.6%

Travel

Forex markup

3.5%

Domestic lounges

Unlimited

International lounges

Unlimited

Benefits

Fuel waiver

Yes

Dining

Yes

Movies

Yes

Eligibility

Minimum income

₹25,00,000

₹36,00,000

Union Bank Nexteria (RuPay Ekaa) vs IDFC Diamond Reserve

Futuristic side-by-side card intelligence

Union Bank Nexteria (RuPay Ekaa)

IDFC Diamond Reserve

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