Is the IDFC FIRST Gaj Credit Card Worth It?

Enter what you spend where this card pays more, and the benefits you would use. See what it is worth to you in rupees, after its fee.

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IDFC FIRST Gaj Credit CardView card →

Travel card
₹14,750 fee a year (with GST)
Fee waived from ₹83,333 a month
0.83% on most spends; 16.67% only at partner merchants
32 lounge visits a year
Pays in reward points

Good for

spending ₹83,333 or more a month: the ₹14,750 fee is waived
flyers: 32 airport lounge visits a year
spending abroad: 0% markup, most cards add 3.5%

Skip it if

you spend less than ₹83,333 a month (₹10,00,000 a year, rent and wallet loads not counted): the ₹14,750 fee is then charged
most of your spending is fuel: those earn nothing on this card
you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
you spend a lot on utility bills, rent, insurance or education: the card's terms do not state a rate there, so we count nothing

Card

Your spend a month, by kind

Terms on the normal rate: 5 RP per ₹150 on everyday spends (~0.83% at ₹0.25, up to ~3.3% on in-app travel where points are worth ₹1); 1 RP per ₹150 on rent/utility/insurance/government/wallet/railway/FASTag/education

UPI payments (scan and pay)Earns nothing: a Visa or Mastercard card cannot pay by UPI

₹

Online shopping0.83%

₹

Dining and food delivery0.83%

₹

Groceries0.83%

₹

Travel: flights, hotels, trains0.83%

₹

of which only at Flight & hotel bookings made through the IDFC FIRST Bank mobile app, the hotel leg earns 50 RP per ₹150 total, flights 25 RP per ₹15016.67%, up to ₹15,000 back a monthWhere: Flight & hotel bookings made through the IDFC FIRST Bank mobile app, the hotel leg earns 50 RP per ₹150 total, flights 25 RP per ₹150; a single 15,000 bonus-point monthly cap is shared across both legs, so this row uses the conservative flight-leg encoding; points worth ₹1 each on travel

₹

FuelEarns nothing: earns nothing on this card

₹

Bills and rechargesNot counted: the card's terms give it a rate of its own we cannot read as a number

₹

RentNot counted: the card's terms give it a rate of its own we cannot read as a number

₹

Insurance premiumsNot counted: the card's terms give it a rate of its own we cannot read as a number

₹

School and college feesNot counted: the card's terms give it a rate of its own we cannot read as a number

₹

Wallet top-upsNot counted: the card's terms give it a rate of its own we cannot read as a number

₹

Taxes and government paymentsNot counted: the card's terms give it a rate of its own we cannot read as a number

₹

Everything else0.83%

₹

Total on the card: ₹0 a month

Abroad and benefits

Spend abroad or in foreign currency, a year0.5%. 0% markup here; most cards add 3.5%. Counts toward the fee waiver

₹

Golf rounds or lessons, a year counted at ₹2,000 eachAirport lounge visits, a year this card includes up to 32 a year; counted at ₹1,000 each

Every rate on this card, and what your spend earns

Earns nothing onFuelEMICash withdrawals

Spend category	Rate	Monthly cap	Where it applies	Your spend earns
UPI payments (scan and pay)	Earns nothing	-	a Visa or Mastercard card cannot pay by UPI	-
Online shopping	0.83%	No cap	The card's normal rate	-
Dining and food delivery	0.83%	No cap	The card's normal rate	-
Groceries	0.83%	No cap	The card's normal rate	-
Travel: flights, hotels, trains	0.83%	No cap	Anywhere else in the category	-
Travel: flights, hotels, trains, only at listed merchants	16.67%	₹15,000	Only at: Flight & hotel bookings made through the IDFC FIRST Bank mobile app, the hotel leg earns 50 RP per ₹150 total, flights 25 RP per ₹150; a single 15,000 bonus-point monthly cap is shared across both legs, so this row uses the conservative flight-leg encoding; points worth ₹1 each on travel	-
Fuel	Earns nothing	-	earns nothing on this card	-
Bills and recharges	Not stated	-	the card's terms give it a rate of its own we cannot read as a number	-
Rent	Not stated	-	the card's terms give it a rate of its own we cannot read as a number	-
Insurance premiums	Not stated	-	the card's terms give it a rate of its own we cannot read as a number	-
School and college fees	Not stated	-	the card's terms give it a rate of its own we cannot read as a number	-
Wallet top-ups	Not stated	-	the card's terms give it a rate of its own we cannot read as a number	-
Taxes and government payments	Not stated	-	the card's terms give it a rate of its own we cannot read as a number	-
Spend abroad or in a foreign currency	0.5%	No cap	All merchants in the categoryTerms: 3 RP per ₹150 on international spends (~0.5% at ₹0.25) with a genuine 0% forex markup	-
Everything else	0.83%	No cap	The card's normal rate	-

Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Common Questions

When is a credit card worth its annual fee?

When the rewards you actually earn in a year are more than the fee plus 18% GST, or when you spend enough for the bank to waive the fee. This calculator works out both from the card's own published terms.

Why is GST added to the fee?

Card fees carry 18% GST, so a ₹1,000 fee costs ₹1,180. Where the bank already quotes the fee with GST, it is not added twice.

What does 'capped' mean?

Many cards limit the reward you can earn in a month in a category. Spending above the cap earns nothing extra, so the calculator stops counting there.

Is a lifetime free card always better?

Not always. A paid card with higher rewards can leave you with more once you spend enough. The break-even line shows the monthly spend where that starts.

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Is the IDFC FIRST Gaj Credit Card Worth It?

Every rate on this card, and what your spend earns

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