Joining Fee
₹12,500
Annual Fee
Rs. 12500 (Reversed on annual spends of Rs. 10 Lakhs)
Add-on Card Fee
₹2,000 per supplementary card
Gaj: Credit Card
Rewards Structure
Base Reward Rate
5% on spends
Point Value
1 Point = ₹0.25
Pros
- Zero forex markup on international purchases
- Up to 33.33% value back on hotel bookings via IDFC FIRST app
- Complimentary airport and railway lounge access
- Up to 24 complimentary golf rounds/lessons per year
- Complimentary 3rd night at ITC Hotels and Elivaas Luxury Villas
- Interest-free ATM cash withdrawals globally
- Comprehensive insurance coverage
- Annual fee waived on ₹10L annual spend
Cons
- High joining and annual fee of ₹12,500 + GST
- Invite-only card, not open to all applicants
- Joining fee is non-refundable
- Upfront joining fee payment required before card dispatch
- Add-on card joining fee ₹4,000 + GST and annual fee ₹2,000 + GST
Hidden Catches (Transparency Policy)
To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.
Lounge benefit requires ₹20,000 spend in current calendar month to avail benefit in next month
Golf benefit linked to previous statement cycle spend thresholds
1 Reward Point = ₹0.25 for most redemptions; ₹1 only on travel bookings via IDFC FIRST Bank Mobile App
Reduced reward rate (1 RP per ₹150) on insurance, utilities, rent, government, wallet load, railways, FASTag and education spends
International spends earn only 3 RP per ₹150
Joining fee payment benefit not applicable on re-application
ATM cash withdrawal capped at ₹10,000 per transaction
Annual fee waiver requires ₹10,00,000 annual spend
Key Benefits & Features
Zero forex markup on international purchases
Interest-free global ATM cash withdrawal for up to 45 days; cash withdrawal fee ₹199 + GST per transaction; max ₹10,000 per transaction
Airport transfer discounts: limousine services in 3000+ cities across 83 countries
Airport Meet & Greet: 1 complimentary service per year on $1000 international spends; 10% discount on rest of bookings
Complimentary 3rd night for every 2 paid nights at ITC Hotels
Free 3rd night for every 2 paid nights at Elivaas Luxury Villas
Premium hotel benefits and discounts at 900+ luxury hotels worldwide
Complimentary 24/7 Roadside Assistance (RSA) worth ₹1,399
Complimentary FIRST Digital RuPay Credit Card with zero joining/annual fee for UPI spends
Eligibility Criteria
Age Requirement
21+ Years
Occupation
Required Documents
IDENTITY Proof
ADDRESS Proof
INCOME Proof
Notable Exclusions
*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.
These details are based on information updated on . Fees and benefits change often - confirm on the issuer's own page before applying.
About Gaj: Credit Card
The Gaj: Credit Card by IDFC FIRST Bank is a premium, invite-only metal credit card that embodies India's age-old virtues of strength, wisdom, and stature. Designed for those who experience luxury as a way of life, it carries a joining and annual fee of ₹12,500 each, with the annual fee waived on spends of ₹10,00,000 per year. As a RuPay network card with zero forex markup, it is an ideal companion for frequent international travellers seeking seamless global spending. The card delivers exceptional rewards, offering up to 33.33% value back with 50 reward points per ₹150 on hotel bookings and 16.67% value back on flights booked via the IDFC FIRST Bank Mobile App. Everyday domestic spends earn up to 5 reward points per ₹150, while international spends earn 3 reward points per ₹150. Reward points are valued at ₹1 each when redeemed for travel bookings through the app. Lifestyle privileges include complimentary quarterly airport and railway lounge access, up to 24 complimentary golf rounds or lessons annually, ITC Hotel complimentary third-night stays, luxury villa offers, curated dining experiences, concierge services, airport transfers, and meet-and-greet services. Comprehensive insurance coverage, 24/7 roadside assistance, and a complimentary FIRST Digital RuPay Credit Card for UPI spends further enhance the card's premium proposition.
Our Verdict
Invite-only metal card with zero forex, 33% value back on hotels, golf, lounges & premium travel perks.
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