travel
IDFC FIRST Gaj Credit Card
An ultra-premium invite-only metal card with zero forex, high-value travel redemption and extensive premium benefits.
Annual Fee
₹12,500+GST joining and annual fee; renewal waived on ₹10 lakh annual spend
Rewards
5 RP/₹150 eligible domestic; 3 RP/₹150 international; 1 RP/₹150 selected categories; up to 50 RP/₹150 hotels and 25 RP/₹150 flights through bank app
Lounge Access
Premium domestic and global airport lounge benefits subject to current programme terms
Fuel Waiver
1%, capped at ₹300/statement cycle
Milestone
₹10 lakh annual spend waives ₹12,500+GST renewal fee
Best For
Invite-only high spenders who redeem heavily for premium travel
Welcome Offer
12,500 RP worth up to ₹12,500 + limited-period 5-star hotel discount after ₹1 lakh/60-day spend
Type
Travel
Description
Gaj is IDFC FIRST Bank’s invite-only premium metal card. It charges ₹12,500+GST annually but waives renewal after ₹10 lakh annual spend, while cardholders who pay the renewal fee receive 12,500 reward points. Eligible domestic purchases earn 5 points per ₹150 and international transactions earn 3 points per ₹150. Travel booked through the bank app can earn 50 points per ₹150 on hotels and 25 points per ₹150 on flights, with each reward point worth ₹1 when redeemed for qualifying travel. The card also carries zero forex markup and a 1% fuel surcharge waiver capped at ₹300 per cycle.
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