- Joining fee
₹12,500 + GST
- Annual fee
₹12,500 + GST
- Best suited for
Travel, Shopping
- Reward type
Reward Points
Rewards
- Rewards rate
5 Reward Points/₹150 on Regular Spends (3.33%) | 3 Reward Points/₹150 on International Spends (2%) | 1 Reward Point/₹150 on Insurance, Utilities, Rent, Government, Wallet Loads, Railways, FASTag & Education (0.67%)
- Welcome benefits
12,500 Reward Points and 25% Off On 5-Star Stays
- Reward redemption
1 Reward Point = ₹1 on Travel Bookings Made Through IDFC FIRST Bank Mobile App
Benefits
- Travel
Spend Based Meet & Greet Service (Visa Infinite Benefit) and Railway Lounge Access
- Domestic lounge
4 Visits Each Quarter, Including 1 Guest Visit
- International lounge
4 Visits Each Quarter
- Golf
Up to 24 Golf Rounds/Lessons Per Year
- Insurance
Free Trip Cancellation Cover Up to ₹50,000, Air Accident Cover, Personal Accident Cover, and More
Fees & charges
- Spend-based waiver
Spend ₹10 Lakh in a Year for Annual Fee Waiver
- Rewards redemption fee
₹99 + GST
- Foreign currency markup
Zero
- Interest rates
Dynamic APR – 8.5% to 46.2%
- Fuel surcharge waiver
1% Fuel Surcharge Waiver Up to ₹300 Each Statement Cycle
- Cash advance charges
₹199 +GST
Product highlights
- Invite-Only Premium Metal Credit Card designed for high spenders with strong IDFC First Bank relationships.
- ₹12,500 Annual Fee With Smart Recovery, either via ₹10 lakh spends or 12,500 Reward Points on renewal.
- Strong Travel-Focused Rewards, offering up to 3.33% returns and ₹1 per point on travel bookings.
- Zero Forex Markup, making it suitable for international spending.
- Lifestyle Privileges, Like Golf And Lounge Access, are mostly spend-based.
- Comprehensive Insurance Coverage, including air accident, travel delays, and card liability protection.
Pros & cons
Pros
- Cardholders can get the annual fee waived by spending ₹10 lakh in a year. Even if this spending level is not reached, paying the annual fee earns 12,500 Reward Points, which effectively offsets the annual charge.
Cons
- Several benefits promoted with this card are not directly offered by IDFC First Bank. Instead, they come from Visa Infinite and are subject to spend-based conditions, similar to the Visa Infinite Meet & Greet benefit.
- There are no movie benefits with this premium metal credit card.
FAQs
What is the reward rate with the IDFC First Gaj Credit Card?
You earn up to 3.33% on regular spends, 2% on international spends, and 0.67% on select categories like utilities and insurance.
What is the value of 1 Reward Point earned with this card?
1 Reward Point is worth ₹1 on flight and hotel bookings via the IDFC FIRST Bank Mobile App and ₹0.25 for vouchers and products.
When is the joining fee charged?
The joining fee is charged upfront at the time of digital card activation. Once the payment is completed, your digital card is activated, and the metal card is dispatched.