MyFinCards
Gaj: Credit Card

Joining Fee

₹12,500

Annual Fee

Rs. 12500 (Reversed on annual spends of Rs. 10 Lakhs)

0
IDFC FIRST Bank
Lifestyle
Travel
Rewards
Best For: Frequent international travellers, Luxury hotel and flight bookers, Golf enthusiasts, High spenders seeking premium lifestyle benefits

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

0

Age Requirement

21+ Years

Occupation

SALARIEDSELF_EMPLOYEDRETIREDSTUDENT

Required Documents

IDENTITY Proof

PAN Card
Aadhaar Card

ADDRESS Proof

Electricity Bill
Telephone Bill
Aadhaar Card
Passport

INCOME Proof

Salary Slip
Form 16
Bank Statement

Notable Exclusions

Reduced reward rate of 1 RP per ₹150 on Insurance, Utilities, Rent, Government, Wallet Load, Railways, FASTag and Education spends (domestic and international)

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

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.

Expert Review

Our Verdict

Invite-only metal card with zero forex, 33% value back on hotels, golf, lounges & premium travel perks.

Frequently Asked QuestionsAbout Gaj: Credit Card

FEESWhat is the Joining Fee and Annual Fee on the Gaj: Credit Card?
The Gaj: Credit Card comes with a Joining Fee of ₹12,500 + GST and an Annual Fee (applicable from the second card anniversary year) of ₹12,500 + GST. The Joining Fee will be levied on credit card application approval. Upfront payment of the Joining Fee + GST is required before the metal credit card is dispatched. Please note that the Joining Fee is non-refundable. The Annual Fee will be waived off if you spend ₹10,00,000 or more in a year.
FEESWhy am I being asked to pay the Joining Fee upfront before receiving my card?
IDFC FIRST Bank believes in complete transparency and wants customers to make an informed decision about the Joining Fee and its associated benefits. By asking for upfront payment, the bank aligns with its core values of openness and trust, ensuring you have full awareness of the applicable fee before committing to this premium metal card. This process also helps minimize wastage due to cancelled and returned cards.
FEESHow can I pay the upfront Joining Fee for the Gaj: Credit Card?
Once your credit card application is approved, you will receive communication from the bank to pay the Joining Fee. You can pay the Joining Fee of ₹12,500 + GST through the link provided in the bank's communication. On the payment page, you must authenticate using the mobile number and date of birth as mentioned during card application. Payment can be made using UPI or net banking.
BENEFITSWhat is the Joining Fee payment benefit on the Gaj: Credit Card?
On payment of the Joining Fee, you receive: 12,500 Reward Points worth up to ₹12,500, and a 25% Off voucher on select 5-Star hotel bookings via the Travel and Shop section on the IDFC FIRST Bank Mobile App (up to ₹5,000 off). Additionally, spending ₹1 lakh within 60 days of card generation unlocks the 5-star hotel voucher benefit. This benefit is available only once per customer and is not applicable on re-application of the Gaj: Credit Card.
USAGECan I use the Gaj: Credit Card for online transactions before the physical card is delivered?
Yes, once the Joining Fee payment is completed, the credit card can be used for online transactions. To enable online (Ecom) transactions and to get the card details, please use the IDFC FIRST Mobile Banking App. Please ensure that online transactions are enabled on your card via the app. The metal physical card will be dispatched to your registered mailing address within 5 working days after the Joining Fee is paid.
INTERNATIONALWhat is the forex markup on the Gaj: Credit Card for international transactions?
The Gaj: Credit Card offers ZERO forex markup. You can spend abroad or make international purchases from India without paying any extra foreign transaction fees. This makes it an ideal card for frequent international travellers and those who shop on international websites. Additionally, the card earns up to 3 Reward Points per ₹150 on international spends, giving you 2% value back on your global purchases.
BENEFITSCan I avail complimentary airport lounge access with the Gaj: Credit Card?
Yes. With the Gaj: Credit Card, you get 4 complimentary visits per quarter to airport lounges at Indian terminals, including 1 guest visit per quarter. You also get 4 complimentary visits per quarter to global airport lounges via the DreamFolks card. Some global lounges require pre-booking. The lounge benefit can be availed in the next calendar month by spending ₹20,000 or more in the current calendar month.
USAGECan I withdraw cash from ATMs using the Gaj: Credit Card?
Yes, you can withdraw cash at ATMs in India and abroad using your Gaj: Credit Card. All ATM cash withdrawals are interest-free for up to 45 days. A Cash Advance Fee of ₹199 + GST is applicable per transaction, regardless of location or withdrawal amount. The maximum cash withdrawal limit per transaction is ₹10,000.
REWARDSHow do Reward Points work on the Gaj: Credit Card?
The Gaj: Credit Card offers tiered reward points: 50 Reward Points per ₹150 on hotel bookings via the IDFC FIRST Bank app (33.33% value back), 25 points per ₹150 on flight bookings via the app (16.67% value back), up to 5 points per ₹150 on daily domestic spends (up to 3.33% value back), and 3 points per ₹150 on international spends. Each Reward Point is worth ₹1 when redeemed for travel bookings via the IDFC FIRST Bank app, or ₹0.25 on other redemption options.
BENEFITSWhat hotel and lifestyle privileges does the Gaj: Credit Card offer?
The Gaj: Credit Card offers a complimentary 3rd night for every 2 paid nights at ITC Hotels and Elivaas Luxury Villas. You also get exclusive benefits and discounts at 900+ luxury hotels worldwide, curated dining deals at premium restaurants, up to 24 complimentary golf rounds or lessons per year (1 round/lesson per month on spending ₹20,000 and ₹40,000 in the previous statement cycle respectively), and personalized concierge services for dining, staycations, flights, and activities.
ELIGIBILITYIs the Gaj: Credit Card available to everyone or is it invite-only?
The Gaj: Credit Card is an invite-only card and is not openly available to all applicants. It is a premium metal credit card by IDFC FIRST Bank, positioned for select customers who meet specific eligibility criteria. Because of its exclusive nature, you cannot directly apply for it without a prior invitation from the bank. This makes it a highly exclusive card in the IDFC FIRST Bank portfolio.
FEESWhat are the fees and charges for an Add-on Gaj: Credit Card?
You can get an Add-on Gaj: Credit Card for your family members. The Add-on Credit Card comes with a Joining Fee of ₹4,000 + GST and an Annual Fee of ₹2,000 + GST. These fees are charged for every Add-on credit card issued. Add-on cardholders can enjoy many of the primary card's benefits, helping your family experience the premium lifestyle privileges that come with the Gaj: Credit Card.
BENEFITSWhat insurance and protection benefits does the Gaj: Credit Card provide?
The Gaj: Credit Card comes with comprehensive insurance coverage including air accident cover, personal accident cover, and travel insurance. It also provides a free trip cancellation cover to recover up to ₹50,000 on hotel and flight non-refundable cancellations. Additionally, cardholders receive complimentary 24/7 roadside assistance (RSA) worth ₹1,399. These protections make the Gaj: Credit Card a reliable companion for both domestic and international travel.
BENEFITSDoes the Gaj: Credit Card come with a complimentary UPI card?
Yes, Gaj: Credit Card holders receive a complimentary FIRST Digital RuPay Credit Card with zero joining fee and zero annual fee. This virtual card can be added to your favourite UPI apps and earns 1 Reward Point per ₹150 on UPI spends. Each Reward Point is worth ₹1 when redeemed for travel bookings via the IDFC FIRST Bank Mobile App, letting you earn rewards even on everyday UPI transactions.
INTERNATIONALWhat travel-related benefits does the Gaj: Credit Card offer beyond lounge access?
Beyond complimentary airport and railway lounge access (4 visits per quarter each), the Gaj: Credit Card offers airport limousine transfer discounts in 3,000+ cities across 83 countries, 1 complimentary airport meet & greet service per year (on $1,000 international spends) with a 10% discount on additional bookings, interest-free global ATM cash withdrawals, zero forex markup on all international purchases, accelerated rewards on flight and hotel bookings via the IDFC FIRST Bank app, and a free trip cancellation cover of up to ₹50,000.

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