IDFC FIRST Gaj Credit Card
Updated 5 Jul 2026Source-linked
The IDFC FIRST Gaj Credit Card is a super premium credit card from IDFC FIRST Bank, with a joining fee of ₹12,500 + GST.
It earns up to 50 pts per ₹150 (≈10.0% value) on hotels app spends in the form of reward points (points).
Cardholders get unlimited annual domestic + unlimited annual international airport lounge access.
IDFC FIRST Gaj Credit Card
- Joining Fee₹12,500
- Annual Fee₹12,500
- Best Suited ForTravel
- Reward TypeReward Points (points)
Rewards Rate
- 50 pts per ₹150 on hotels app (cap 15000 points / monthly)
- 25 pts per ₹150 on flights app (cap 15000 points / monthly)
- 3 pts per ₹150 on international spend
- Base 1.00% on other spends
Welcome Benefits
- Not applicable
Data verified 5 Jul 2026 — see our methodology
IDFC FIRSTinfinitesuper premiumRewards and Benefits
Rewards Rate
50 pts per ₹150 on hotels app (cap 15000 points / monthly)
25 pts per ₹150 on flights app (cap 15000 points / monthly)
3 pts per ₹150 on international spend
Base 1.00% on other spends.
Reward Redemption
IDFC FIRST Rewards: 1 RP = ₹1 on travel bookings via the IDFC FIRST app (₹0.25 elsewhere).
Welcome Benefits
N/A
Milestone Rewards
N/A
Domestic Lounge Access
Unlimited visits each annual.
International Lounge Access
Unlimited visits each annual.
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
- Railway lounge access — Complimentary railway lounge access.
- UPI rewards — 1 reward point per ₹150 on UPI spends.
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
- Travel & hotels₹1,000/mo
You spend ₹10,000 · earns 10.0% = ₹1,000 uncapped
- Capped at ₹4,500/mo
- Valued at realized redemption value
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Online shopping₹15,000 · 1.0% = ₹150/mo
- Groceries₹8,000 · 1.0% = ₹80/mo
- Dining & food delivery₹8,000 · 1.0% = ₹80/mo
- Fuel₹4,000 · 0.0% = ₹0/mo
- Utilities & bills₹5,000 · 1.0% = ₹50/mo
Est.net rewards for this spend, realistic
₹3,820/yr₹16,320 rewards − ₹12,500 annual fee. Estimate for the spend you entered.
Fees & Charges
Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
0.00%
Interest Rates
3.50% per month (42.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹200 and ₹5,000.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)
Product Details
- super premium card issued by IDFC FIRST Bank.
- Joining / annual fee of ₹12,500 + GST.
- Available on the Visa network.
- Complimentary airport lounge access: domestic (unlimited/annual) + international (unlimited/annual).
Pros & Cons
Pros
- Low forex markup of 0.00% — suited to international spends.
- Complimentary international airport lounge access.
- 24/7 concierge service.
- Accelerated earn worth ≈10.0% on hotels app.
Cons
- High annual fee of ₹12,500.
- No annual-fee waiver option.
- No rewards on fuel spends.
- Invite-only — limited availability.
Accelerated rewards
- 50 pts per ₹150 on hotels app (cap 15000 points / monthly)50 RP per ₹150 (33.33% value back) on hotels booked via the IDFC FIRST app. Bonus RP capped at 15,000/calendar month, shared across app hotel+flight bookings (GAJ Rewards Structure T&C 22-12-25).
- 25 pts per ₹150 on flights app (cap 15000 points / monthly)25 RP per ₹150 (16.67% value back) on flights booked via the IDFC FIRST app. Bonus RP capped at 15,000/calendar month, shared across app hotel+flight bookings (GAJ Rewards Structure T&C 22-12-25).
- 3 pts per ₹150 on international spend3 RP per ₹150 (2%) on international spends.
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- emi
Airport lounge access
Domestic
Unlimited visit(s) / annual. Via visa, dreamfolks. Guests: 1.
International
Unlimited visit(s) / annual. Via priority-pass, loungekey.
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹200 and ₹5,000.
Other benefits
- Railway lounge access. Complimentary railway lounge access.
- UPI rewards. 1 reward point per ₹150 on UPI spends.
Sources
- : www.idfcfirst.bank.in · retrieved 3 Jul 2026
Last verified 5 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–60
- Credit score
- 750+
- Income (salaried)
- ₹25,00,000 p.a.
- Income (self-employed)
- ₹25,00,000 p.a.
Invite-only.