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IDFC FIRST Gaj Credit Card vs SBI Card MILES PRIME Compared

Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 11 October 2026.

IDFC FIRST Gaj Credit Card versus SBI Card MILES PRIME compared
FeatureIDFC FIRST Gaj Credit CardIDFC FIRST Gaj Credit CardIDFC First Bank2 recent changes →
SBI Card MILES PRIMESBI Card MILES PRIMEState Bank of India4 recent changes →
Rewards by spend
Rewards0.83% on most spends; 16.67% only at partner merchants0.5% base, up to 1% on travel
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shopping0.83%0.5%
Dining and food delivery0.83%0.5%
Groceries0.83%0.5%
Travel: flights, hotels, trains0.83%; 16.67% 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 ₹1501%
FuelsameEarns nothingEarns nothing
Bills and rechargesNot statedEarns nothing
RentNot statedEarns nothing
Insurance premiumsNot statedEarns nothing
School and college feesNot statedEarns nothing
Wallet top-upsNot statedEarns nothing
Taxes and government paymentssameNot statedNot stated
Spend abroad or in a foreign currencysame0.5%0.5%
Everything else0.83%0.5%
Card identity
Card typesameTravelTravel
NetworkVisaMastercard
Card tierSuper premiumPremium
Fees
Joining fee₹12,500 + GST₹2,999 + GST
Annual fee₹12,500 + GST₹2,999 + GST
Fee waived atsame₹10,00,000₹10,00,000
Eligibility
Min age-21 years
Max age-70 years
Employment type-BOTH
Rewards
Reward typeReward pointsAir miles
Point value₹0₹1
Fuel surcharge
Fuel surcharge waiversameYesYes
Fuel waiver cap-₹250
Lounge access
Domestic lounge visits168
International lounge visits164
Lounge programme-PRIORITY_PASS
Priority PassNoYes
Lounge condition4 domestic (incl. 1 guest) and 4 international lounge visits every quarter (16 + 16 a year)8 domestic airport lounge visits/year (max 2/quarter) plus Priority Pass with 4 international visits/year. 1 extra domestic visit per ₹1 lakh spend, capped at 12/year. Priority Pass free for first 2 years
Forex and international
Forex markupNone2.5%
Interest and charges
Interest rate (monthly)-3.75%
Interest rate (annual)-45%
Redemption
Redemption fee₹99-
Page content
Documents needed-PAN card Aadhaar / address proof Income proof (salary slips or ITR) Recent passport-size photograph
ApplyApply NowApply Now

Worth in Rupees at ₹20,000 a Month

IDFC FIRST Gaj Credit Card
Rewards a year
₹1,992
Fee a year
- ₹14,750
You keep
- ₹12,758
SBI Card MILES PRIME
Rewards a year
₹1,500
Fee a year
- ₹3,539
You keep
- ₹2,039

At this spend, SBI Card MILES PRIME comes out ₹10,719 a year ahead of IDFC FIRST Gaj Credit Card. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.

Best For

IDFC FIRST Gaj Credit Card
  • 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%
SBI Card MILES PRIME
  • Frequent flyers
  • People who spend heavily on travel
  • Travellers who want Priority Pass access

Watch-Outs

IDFC FIRST Gaj Credit Card
  • 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
  • Skip it if most of your spending is fuel: those earn nothing on this card
  • Skip it if you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
  • Skip it if 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
SBI Card MILES PRIME
  • Fee waiver needs Rs 10 lakh a year, which most people will not reach
  • Base return of about 0.5% is low
  • Credits are worth the most only when redeemed for travel

Card data sourced via CardAdvisor.in (IDFC FIRST Gaj Credit Card, SBI Card MILES PRIME), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Questions People Ask

Which has the lower annual fee, IDFC FIRST Gaj Credit Card or SBI Card MILES PRIME?

SBI Card MILES PRIME. SBI Card MILES PRIME: ₹2,999; IDFC FIRST Gaj Credit Card: ₹12,500. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

IDFC FIRST Gaj Credit Card has the lowest forex markup. IDFC FIRST Gaj Credit Card: 0%; SBI Card MILES PRIME: 2.5%. The markup is charged on every foreign-currency transaction, before GST.

Which earns more on everyday spending?

On spends outside any bonus category: IDFC FIRST Gaj Credit Card 0.83%, SBI Card MILES PRIME 0.5%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.

Which gives airport lounge access?

IDFC FIRST Gaj Credit Card: 16 domestic lounge visits a year; SBI Card MILES PRIME: 8 domestic lounge visits a year. Some cards need a minimum spend in the quarter before a visit counts, so check the lounge terms.

Can I hold more than one of these cards?

Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.

Work Out the Numbers

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