Gaj: Credit Card

Lounge access

• Indian airport lounges: 4 visits per quarter including 1 guest visit (present Gaj: Credit Card).
• Global airport lounges: 4 visits per quarter (present DreamFolks card).
• Both require spending ₹20,000 in the current calendar month to avail the benefit next month.
• Railway lounges: 4 complimentary visits per quarter at select Indian railway terminals (spend ₹20,000 in the current calendar month to access next month).

Verified · Gaj: Credit Card Features & Benefits / Terms & Conditions · 2026-07-25 · source

Forex markup

• Zero forex markup - no foreign exchange fees on any international purchase (including ATM cash withdrawal).
• Markup Charges on Foreign currency transactions and Dynamic & Static Currency Conversion: Nil.
• Note: selecting INR abroad may incur merchant DCC charges up to 5% of transaction amount.

Verified · Gaj: Credit Card Features & Benefits / Terms & Conditions · 2026-07-25 · source

Interest-free period

• Interest-free (grace) period shall not exceed 45 days, varying by transaction and statement date.
• Not applicable if previous month's statement balance is not cleared in full by the due date.
• ATM cash withdrawal has 0% interest up to 45 days (only a flat fee of ₹199 per withdrawal applies).

Verified · Most Important Terms & Conditions (MITC) - IDFC FIRST Bank Credit Cards (covers Gaj:), effective 18 June 2026 · 2026-07-25 · source

Charge

• Cash advance transaction fee: ₹199 (+GST).
• Finance/Interest charge: Monthly 0.71%-3.85% (Annual 8.5%-46.2%).
• Overdue interest Monthly 3.99% (Annual 47.88%), revised to 46.2% when minimum amount due is paid.
• Late payment charges: 15% of Total Amount Due of previous statement minus payments before due date (min ₹100, max ₹1,300).
• Over-limit charges: 2.5% of over-limit amount (min ₹550).
• Foreign currency markup / Dynamic & Static Currency Conversion: Nil for Gaj: (DCC by merchant may be up to 5% of transaction).
• Card replacement fee: ₹4,000.
• Return of cheque/Auto-Debit SI/Payment Return: 2% of payment amount (min ₹500).
• Reward Redemption Fee: ₹99 per redemption.
• Fair usage Utility Spends fee: 1% if utility spends exceed ₹50,000 in a statement cycle.
• Fuel Fee: 1% if fuel spends exceed ₹30,000.
• Passenger Railways fee: 1% above ₹25,000.
• Tolls and Bridges fee: 1% above ₹10,000.
• Rent and Property Management fee: 1% of value (min ₹249, domestic only).
• Education Payment fee: 1% via third-party apps (min ₹249).
• GST at 18%.
• Add-on card (available by 28th February 2026): Joining Fee ₹4,000, Annual Fee ₹2,000.
• No fee on FIRST Digital Rupay Card attached to Gaj:.
• Fee on cash payment at branches, outstation cheque, duplicate statement, cheque/cash processing and charge slip request: NIL.
• MITC effective 18th June 2026.

Verified · Most Important Terms & Conditions (MITC) - IDFC FIRST Bank Credit Cards (covers Gaj:), effective 18 June 2026 · 2026-07-25 · source

Fuel surcharge waiver

• 1% Fuel Surcharge Waiver on fuel transactions valued between ₹200 and ₹5,000, capped at ₹300 per statement cycle.
• A 1% fuel fee applies only if total fuel spends in a statement cycle exceed ₹30,000.

Verified · Gaj: Credit Card Features & Benefits / Terms & Conditions · 2026-07-25 · source

Reward exclusion

Verified · Gaj: Credit Card - Reward Earn Structure / Rewards Program Terms & Conditions · 2026-07-25 · source

Reward cap

• Total Bonus Reward Points on Travel bookings via IDFC FIRST Bank Mobile App capped at 15,000 per calendar month.
• Redeemable Reward Points capped at 1,50,000 (worth ₹1.5L) per calendar month and 3,00,000 (worth ₹3L) per calendar year.
• Rewards earned only for spends up to credit limit per billing cycle.

Verified · Gaj: Credit Card - Reward Earn Structure / Rewards Program Terms & Conditions · 2026-07-25 · source

Redemption value

• 1 Reward Point = ₹1 on hotel and flight bookings via 'Travel & Shop' on IDFC FIRST Bank Mobile app.
• 1 Reward Point = ₹0.25 when redeemed for gift vouchers or product purchases on the app and on paying with reward points on select online transactions.
• Reward Redemption Fee ₹99 per redemption transaction.
• Points can be used to pay up to 70% of total booking value.

Verified · Gaj: Credit Card - Reward Earn Structure / Rewards Program Terms & Conditions · 2026-07-25 · source

Milestone benefit

• Golf: Spend ₹20,000 in a statement cycle to unlock 1st round/lesson.
• Spend ₹40,000 to unlock 2nd round/lesson (up to 24 golf rounds/lessons per year, each valid up to 60 days).
• Airport/Railway lounge access requires spending ₹20,000 in the current calendar month to avail the benefit in the next month. | Complimentary FIRST Digital RuPay Credit Card: Lifetime Free (zero joining & annual fee), earn 1 reward point per ₹150 on eligible UPI spends, unified rewards portfolio, 1 Reward Point = ₹1 on travel redemptions via IDFC App, UPI spends count toward the ₹10L annual waiver milestone, consolidated statement.

Verified · Gaj: Credit Card Features & Benefits / Terms & Conditions · 2026-07-25 · source

Award example

• On Travel & Shop bookings via IDFC FIRST Bank Mobile App: 2000 points per ₹6,000 spend on hotels.
• 1000 points per ₹6,000 spend on flights.

Verified · Gaj: Credit Card - Reward Earn Structure / Rewards Program Terms & Conditions · 2026-07-25 · source

Hotel benefit

• ITC Hotels: Stay for 3, Pay for 2 (complimentary 3rd night for every 2 consecutive paid nights, promocode ITCVIS) or 50% off the 2nd night (promocode ITCV50).
• Elivaas properties: Stay for 3, Pay for 2 or 50% off 2nd night.
• Premium Hotel Offers: access to over 900 luxury hotels worldwide with automatic room upgrade, complimentary in-room Wi-Fi, complimentary continental breakfast, VIP Guest status and 3PM check-out on request.

Verified · Gaj: Credit Card Features & Benefits / Terms & Conditions · 2026-07-25 · source

Travel benefit

• Free Trip Cancellation Cover: reimbursement for non-refundable flight and hotel cancellations up to ₹50,000, twice a year (Flights up to ₹25,000; Hotels up to ₹25,000).
• Shared between Primary and Add-On cardholder for a maximum of 2 cancellations.
• Complimentary airport Meet & Greet service once a year on spending USD 1,000 (approx INR 91,000) on international POS transactions in the past 12 months, else flat 10% discount.
• Airport transfer limousine discounts across 3000+ cities in 83 countries.

Verified · Gaj: Credit Card Features & Benefits / Terms & Conditions · 2026-07-25 · source

Dining benefit

Curated Dining Deals: luxury dining experiences with handpicked restaurants, bespoke menus, and priority access via the VISA Infinite card.

Verified · Gaj: Credit Card Features & Benefits / Terms & Conditions · 2026-07-25 · source

Golf benefit

• Up to 24 golf rounds/lessons per year.
• Spend ₹20,000 in a statement cycle to unlock 1st round/lesson.
• Spend ₹40,000 in a statement cycle to unlock 2nd round/lesson.
• Each round/lesson valid for up to 60 days.

Verified · Gaj: Credit Card Features & Benefits / Terms & Conditions · 2026-07-25 · source

Concierge

• Concierge Services: personalized assistance for self-booking dining, staycations, flights and activities.
• Also 24/7 Roadside Assistance worth ₹1,399, and airport meet & greet (complimentary once a year on spending USD 1000 on international POS in past 12 months, otherwise flat 10% discount).

Verified · Gaj: Credit Card Features & Benefits / Terms & Conditions · 2026-07-25 · source

Insurance

Card Liability Cover (Lost Card, Counterfeit, Skimming, Online Fraud): ₹50K. Personal Accident Cover: ₹10L. Credit Shield: ₹50K. Personal Air Accident: ₹1 Cr. Purchase Protection (Fire, Allied perils, Burglary in residential premises): ₹50K. Travel Insurance: Loss of Checked-In Baggage USD 500, Delay In Flight USD 300, Delay of Checked-In Baggage USD 100, Loss of Passport and documents USD 300.

Verified · Gaj: Credit Card Features & Benefits / Terms & Conditions · 2026-07-25 · source

Eligibility

Invitation-only offering for select IDFC FIRST Bank Private Banking customers with established relationship depth (super-premium metal credit card for high-net-worth individuals).

Verified · Gaj: Credit Card product page · 2026-07-25 · source