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COFFERCards. Points. Value.
IDFC FIRST Bank

IDFC FIRST Bank Gaj Credit Card

Not rated yet - COFFER rates a card only after reading every document the bank publishes for it. How we rate

Open to new applications · Earns Reward Points

First-year fee

₹12,500 + GST

Annual fee

₹12,500 + GST

What it gives back

5 Reward Points per ₹150 · everyday spends

Read from 11 IDFC FIRST Bank documents, last checked 19 Oct 2026.

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How it compares

Compared with the cards we have read

₹12,500 annual fee: of the 273 other open cards whose annual fee we have read, 262 state a lower one, 2 state the same and 9 state a higher one.

No forex markup: one of 29 cards that state none, out of the 292 open cards whose forex markup we have read.

Fees

  • Annual feeJoining fee

    ₹12,500 + GST

  • Fee waiver rule

    Annual fee waiver of ₹12,500 + GST by spending ₹10 lakhs in the previous card anniversary year

  • Add-on card fee

    Joining Fee ₹4,000 + GST; Annual Fee ₹2,000 + GST

Welcome offer

  • Welcome benefit

    Earn 12,500 reward points; spend ₹1L in 60 days from card generation and get 5-star hotel voucher for 25% off up to ₹5,000

Rewards

  • Reward rate

    5 Reward Points per ₹150 · everyday spendsEarn 5 Reward Points per ₹150 on domestic spends.

  • Reward earning on international spends

    Earn up to 3 Reward Points per ₹150 on international spends

  • Travel earning

    45 Bonus Reward Points per ₹150 on hotel bookings; 20 Bonus Reward Points per ₹150 on flight bookings via the IDFC FIRST Bank Mobile App.

  • Utilities earning

    Earn 1 Reward Point per ₹150 on Insurance, Utilities, Rent, Government, Wallet Load, Railways, FASTag and Education spends, domestic and international.

  • Reward exclusions

    Fuel, EMI conversions, fees & charges (incl. GST), loan on card, balance transfers, cash withdrawals, and transactions below ₹150 – 0 Reward Points

  • Reward caps

    Capped at 15,000 bonus Reward Points per month.

  • Catalogue redemption

    1 Reward Point = ₹1 on travel bookings via our mobile app (₹0.25 elsewhere)

  • Redeeming points for travel

    Redeem for hotel and flight bookings via the FIRST Rewards Gallery section on the IDFC FIRST Bank Mobile App; each reward point is worth ₹1.00.

  • Voucher and product redemption

    Gift vouchers, products on the FIRST Rewards Gallery section on the IDFC FIRST Bank Mobile App, and Pay using reward points on online transaction: each reward point is worth ₹0.25.

  • Point expiry

    Never-expiring reward points; the reward points remain valid till the credit card is active

Card benefits

  • Domestic lounge access

    4 complimentary visits per quarter to airport lounges at airport terminals in India, 1 guest visit per quarter included; availed in the next calendar month by spending ₹20,000 or more in the current calendar month

  • International lounge access

    4 complimentary visits per quarter to global airport lounges; availed in the next calendar month by spending ₹20,000 or more in the current calendar month.

  • Hotel or travel programme

    Complimentary 3rd night for every 2 paid nights at ITC Hotels.

  • Hotel or travel programme

    Complimentary Railway Lounge Access: 4 visits every quarter at select Indian Railway Terminals.

  • Dining programme

    Curated dining deals: experience luxury dining at handpicked restaurants.

  • Golf

    Up to 24 complimentary golf rounds/lessons per year; unlock a golf round/lesson per month on spending ₹20,000 and ₹40,000, respectively in the previous statement cycle

  • Concierge

    Concierge Services: Personalized experience to book dining, staycations, flights and activities.

  • Renewal benefit

    Annual Fee Payment Benefit: Earn 12,500 reward points.

  • Benefit given each anniversary year

    Airport Meet & Greet: 1 complimentary service a year on $1000 international spends, and 10% discount for the rest of the bookings.

Also included

  • Fuel surcharge waiver

    Save upto ₹300 per statement cycle with 1% Fuel Surcharge Waiver

  • Air accident cover

    Air accident cover, as part of the comprehensive insurance cover.

  • Insurance benefit

    Free trip cancellation cover of up to ₹50,000, protecting the non-refundable portion of hotel and flight cancellations

  • Travel insurance

    Comprehensive travel insurance, with coverage up to USD 1,200

Charges

  • Forex markup

    0% on foreign currency transactions.

  • Cash advance fee

    Cash Advance Fee of ₹199/- + GST is applicable per transaction

  • Cash advance interest

    Interest-free global ATM cash withdrawals for up to 45 days

  • Interest on unpaid balance

    Monthly Rate 0.71% - 3.85% (Annual Rate 8.5% - 46.2%)

  • Interest-free period

    48 days interest-free when you pay in full.

  • Late payment fee

    Late payment charges: 15% of the Total Amount Due (subject to a minimum of ₹100 and a maximum of ₹1250)

How we know - 11 documents from IDFC FIRST Bank, checked 19 Oct 2026

11 documents from IDFC FIRST Bank, checked 19 Oct 2026.

  • MITC Document Customer6 Oct 2026Proof
  • Linked page on www.idfcfirst.bank.in6 Oct 2026Proof
  • Linked page on www.idfcfirst.bank.in6 Oct 2026Proof
  • Card pageProof
  • Important update regarding your, 18 Jun 2026Proof
  • Gaj Cc Rewards Structure TncProof
  • IDFC Gaj Card Tc Revised Dec25 V3 Dec24Proof
  • Key Fact StatementProof
  • Lounge access termsProof
  • MITCProof
  • Fees and charges pageProof

On these lists

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₹12,500 a year

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