IDFC First Bank
IDFC FIRST Gaj Credit Card
Data last verified: 24 October 2026
- Joining fee₹12,500 + GST
- Annual fee₹12,500 + GST
- Reward rate0.83% on most spends; 16.67% only at partner merchants
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹12,500 + GST
- Annual fee₹12,500 + GST
- Fee waiverOn ₹10 lakh spend a year
- Forex markup0%
01IDFC FIRST Gaj Credit Card Rewards and Benefits
02IDFC FIRST Gaj Credit Card Annual Fee and Charges
- Joining fee
- ₹12,500 + GST
- Annual fee
- ₹12,500 + GST
- Spend-based waiver
- Annual fee waived on ₹10 lakh spend in a year (rent and wallet loads not counted)
- Rewards redemption fee
- ₹99 per request
- Forex markup
- 0%
- Interest rate
- Not published
- Fuel surcharge waiver
- Yes
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹20,000 on everything else, earning 0.83%₹166
- Back each month, ₹1,992 a year₹166
- Annual fee with 18% GST−₹14,750
- It costs you each year₹12,758
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
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
04How IDFC FIRST Gaj Credit Card earns Rewards
0.83% on most spends; 16.67% only at partner merchants.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| 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 |
Terms on the base 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
Point value. 1 point is worth about ₹0.25 at the bank's stated value.
05IDFC FIRST Gaj Credit Card Lounge Access and Travel
Domestic lounge access is 16 visits a year, international is 16 visits a year. 4 domestic (incl. 1 guest) and 4 international lounge visits every quarter (16 + 16 a year). Spending abroad carries a 0% forex markup; rewards on it: 0.5% back. See what it costs on your trip
Also on the card. fuel surcharge waiver, golf privileges, airport lounge access.
- Fuel surcharge waiver: 1% fuel-surcharge waiver on fuel transactions between ₹200 and ₹5,000, capped at ₹300 per statement cycle
- Golf privileges: Up to 24 complimentary golf rounds or lessons a year (spend-activated)
06Recent Changes
What IDFC First Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 18 Jun 2026 | Reduced: Earning capped at the credit limit per billing cycleSource: IDFC First Bank | All eligible spend earned points | Only spend up to the assigned credit limit per cycle earns |
| 29 Dec 2025 | Changed: IDFC FIRST unveils Gaj, its invitation-only flagshipSource: IDFC First Bank | - | - |
See this card's change history → · All card changes in June 2026 →
07Cards Similar to IDFC FIRST Gaj Credit Card
IDFC FIRST Gaj Credit Card is a travel card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | IDFC FIRST Gaj Credit Card |  Federal Scapia Credit card |  IDFC FIRST Millennia Credit Card |
|---|---|---|---|
| Joining fee | ₹12,500 + GST | Lifetime free | Lifetime free |
| Annual fee | ₹12,500 + GST | Lifetime free | Lifetime free |
| Rewards | 0.83% on most spends; 16.67% only at partner merchants | 2% on most spends; 4% only at partner merchants | 0.38% base, up to 1.25% on dining |
| Domestic lounge | 16 visits a year | Unlimited | Not included |
| Forex markup | 0% | 0% | 0% |
| Type | Travel | Travel | Dining |
08Explore More
Card facts last verified 24 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Never Miss Your IDFC FIRST Gaj Credit Card Bill
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Common Questions
What is the joining fee for the IDFC FIRST Gaj Credit Card?
The joining fee is ₹12,500 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the IDFC FIRST Gaj Credit Card?
The annual fee is ₹12,500 + GST.
Does the IDFC FIRST Gaj Credit Card give airport lounge access?
Yes. Domestic lounge access is 16 visits a year, international is 16 visits a year. Check the bank's page for the current rules, because lounge programmes change.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with IDFC First Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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