IDFC FIRST Bank Gaj: Credit Card — verified updates this week

Verified facts (22)

• gaj-credit-card · joining fee

  Rs. 12,500 + GST (18% GST = Rs. 2,250; total payable Rs. 14,750). Levied on credit card application approval.

  Gaj: Credit Card product pageSource · Verified 2026-07-25

• gaj-credit-card · annual fee

  Rs. 12,500 + GST (18% GST = Rs. 2,250; total payable Rs. 14,750). Applicable from the second card anniversary year.

  Gaj: Credit Card - Annual Fee Waiver Terms & ConditionsSource · Verified 2026-07-25

• gaj-credit-card · reward exclusion

  No reward points earned on: Fuel transactions (fuel surcharge waiver provided), transactions converted into EMI, Fee or Charges and their corresponding GST, Loan on Card, Balance Transfer, Cash withdrawal transactions, transactions below Rs. 150, and transactions only authorised then cancelled or reversed.

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

• gaj-credit-card · 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.

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

• gaj-credit-card · fee waiver

  Annual fee of Rs. 12,500 + GST is not levied in the next year on eligible spends of Rs. 10L in the previous card anniversary year. Eligible spends exclude cash withdrawals, fuel, fees/charges/GST, loan on card, balance transfer, and EMI instalments; reversals/refunds are deducted.

  Gaj: Credit Card - Annual Fee Waiver Terms & ConditionsSource · Verified 2026-07-25

• gaj-credit-card · 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 Rs. 1.5L) per calendar month and 3,00,000 (worth Rs. 3L) per calendar year. Rewards earned only for spends up to credit limit per billing cycle.

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

• gaj-credit-card · travel benefit

  Free Trip Cancellation Cover: reimbursement for non-refundable flight and hotel cancellations up to Rs. 50,000, twice a year (Flights up to Rs. 25,000; Hotels up to Rs. 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.

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

• gaj-credit-card · 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.

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

• gaj-credit-card · redemption value

  1 Reward Point = Rs. 1 on hotel and flight bookings via 'Travel & Shop' on IDFC FIRST Bank Mobile app; 1 Reward Point = Rs. 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 Rs. 99 per redemption transaction. Points can be used to pay up to 70% of total booking value.

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

• gaj-credit-card · welcome benefit

  Joining Fee Payment Benefit (once per customer, lifetime; first application only): 12,500 Reward Points worth up to Rs. 12,500 (credited within 30 days of joining fee posting); plus a single-use coupon for 25% off (up to Rs. 5,000) on select 5-star hotels via Travel & Shop, issued on spending Rs. 1,00,000 in eligible net retail spends within 60 days of card generation (coupon valid 180 days).

  Gaj: Credit Card - Joining Fee Payment Benefit Terms & ConditionsSource · Verified 2026-07-25

• gaj-credit-card · fuel benefit

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

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

• gaj-credit-card · 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 Rs. 199 per withdrawal applies).

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

• gaj-credit-card · lounge benefit

  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 Rs. 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 Rs. 20,000 in the current calendar month to access next month).

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

• gaj-credit-card · card charge

  Cash advance transaction fee: Rs. 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 Rs. 100, max Rs. 1,300). Over-limit charges: 2.5% of over-limit amount (min Rs. 550). Foreign currency markup / Dynamic & Static Currency Conversion: Nil for Gaj: (DCC by merchant may be up to 5% of transaction). Card replacement fee: Rs. 4,000. Return of cheque/Auto-Debit SI/Payment Return: 2% of payment amount (min Rs. 500). Reward Redemption Fee: Rs. 99 per redemption. Fair usage Utility Spends fee: 1% if utility spends exceed Rs. 50,000 in a statement cycle. Fuel Fee: 1% if fuel spends exceed Rs. 30,000. Passenger Railways fee: 1% above Rs. 25,000. Tolls and Bridges fee: 1% above Rs. 10,000. Rent and Property Management fee: 1% of value (min Rs. 249, domestic only). Education Payment fee: 1% via third-party apps (min Rs. 249). GST at 18%. Add-on card (available by 28th February 2026): Joining Fee Rs. 4,000, Annual Fee Rs. 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.

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

• gaj-credit-card · dining benefit

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

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

• gaj-credit-card · reward earning rate

  5 Reward Points per Rs. 150 on Gaj: Credit Card spends; 3 Reward Points per Rs. 150 on international transactions; 1 Reward Point per Rs. 150 on Insurance, Utilities, Rent, Government, Wallet Load, Railways, Fastag and Education (domestic and international); 1 Reward Point per Rs. 150 on all eligible UPI transactions via the complimentary FIRST Digital RuPay Card. Accelerated on Travel & Shop bookings via IDFC FIRST Bank app: 50 RP per Rs. 150 on hotels (5 base + 45 bonus) and 25 RP per Rs. 150 on flights (5 base + 20 bonus).

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

• gaj-credit-card · golf benefit

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

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

• gaj-credit-card · 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).

  Gaj: Credit Card product pageSource · Verified 2026-07-25

• gaj-credit-card · milestone benefit

  Golf: Spend Rs. 20,000 in a statement cycle to unlock 1st round/lesson; spend Rs. 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 Rs. 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 Rs. 150 on eligible UPI spends, unified rewards portfolio, 1 Reward Point = Rs. 1 on travel redemptions via IDFC App, UPI spends count toward the Rs. 10L annual waiver milestone, consolidated statement.

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

• gaj-credit-card · concierge benefit

  Concierge Services: personalized assistance for self-booking dining, staycations, flights and activities. Also 24/7 Roadside Assistance worth Rs. 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).

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

• gaj-credit-card · insurance benefit

  Card Liability Cover (Lost Card, Counterfeit, Skimming, Online Fraud): Rs. 50K. Personal Accident Cover: Rs. 10L. Credit Shield: Rs. 50K. Personal Air Accident: Rs. 1 Cr. Purchase Protection (Fire, Allied perils, Burglary in residential premises): Rs. 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.

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

• gaj-credit-card · award example

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

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

See the full verified profile for IDFC FIRST Bank Gaj: Credit Card.