Skip to main content
PaisaKhoj
SearchView All Credit Cards
REWARD POINTS CARD

Gaj: Credit Card

IDFC FIRST Bank

A metal, invite-only card with zero forex markup, up to 50 reward points per ₹150 on hotel bookings via the bank app, and 4 domestic plus 4 international airport lounge visits a quarter.

Joining fee of ₹12,500 + GST is paid upfront before dispatch; lounge access needs ₹20,000 spend in the prior calendar month; ₹1 per point applies only to app travel bookings (₹0.25 elsewhere).

Gaj: Credit Card
ANNUAL FEE
₹12,500 + GST
JOINING FEE
₹12,500 + GST
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
Up to 50 reward points per ₹150 on hotel bookings via the IDFC FIRST Bank mobile app, with 1 point = ₹1 on app travel bookings.
BEST FOR
Included: High annual spenders who travel abroad and book travel through the bank app; the card is by invitation only.
Included: May suit those who book hotels and flights through the IDFC FIRST Bank mobile app.
Included: May suit frequent international spenders, given the zero forex markup.
Included: May suit those spending ₹10,00,000 or more a year, as the annual fee is then waived.
Limitation: Lower spenders may wish to compare other cards.
Limitation: Those who spend mainly on fuel may wish to compare other cards.
Limitation: Those wanting non-travel redemptions, which are valued at ₹0.25 per point may wish to compare other cards.
Limitation: Those without an invitation may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: Points can pay up to 70% of an app travel booking; redemption is capped at 1,50,000 points a month and 3,00,000 a year.
Condition: Points earned in a cycle are reversed if the Minimum Amount Due is not paid by the due date.

Rewards & real value

What the card earns, and what changes that figure in practice.
WHAT THE CARD EARNS
EVERYTHING ELSE
Not stated
No earning rate recorded for this card
REWARD POINT VALUE
Not stated
Effective return cannot be calculated without it

Eligibility

Minimum income
Not stated
Minimum age
Not stated
Maximum age
Not stated

Fees & ownership

Joining fee
₹12,500 + GST
Annual / renewal fee
₹12,500 + GST
Fee waived at
₹10,00,000 spend in the previous card anniversary year
Forex markup
0%
Finance charge
Not stated
Cash withdrawal fee
₹199 + GST
Late-payment charge
Not stated
Interest-free period
Not stated

Benefits & privileges

TRAVEL
Domestic airport lounge
4 visits per quarter — 4 visits per quarter, including 1 guest visit · Guest visit counts within the 4; access with the Gaj card; unlocked by ₹20,000+ spend in the previous calendar month · ₹20,000 or more in a calendar month unlocks access in the next calendar month
International airport lounge
4 visits per quarter — 4 visits per quarter · Access via DreamFolks card; some global lounges require prebooking · ₹20,000 or more in a calendar month unlocks access in the next calendar month
Railway lounge
4 visits per quarter — 4 visits per quarter at select Indian railway terminals · Unlocked by spending ₹20,000 in a calendar month for access in the following month · ₹20,000 or more in a calendar month unlocks access in the next calendar month
Lounge spend requirement
Not stated
Lounge programme
DreamFolks (international lounges)
EVERYDAY
Fuel
1% fuel surcharge waiver, saving up to ₹300 per statement cycle
Dining
Curated dining deals at handpicked restaurants; concierge can help book dining
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
Fuel, EMI conversions, cash withdrawals, fees & GST, loan on card, balance transfers and spends below ₹150 earn no points; insurance, utilities, rent, govt, wallet load, railways, FASTag and education earn 1 RP/₹150.; Fuel, EMI conversions, fees & charges (incl. GST), loan on card, balance transfers, cash withdrawals, transactions below ₹150
Categories earning nothing
Not stated
Monthly reward cap
Not stated
Annual reward cap
Not stated
Reward point value
Not stated
Points expiry
Not stated
Redemption fee
Not stated
Minimum redemption
Not stated
Credited automatically
Credited automatically

Who this card may suit

MAY SUIT
Included: Up to 50 reward points per ₹150 on hotel bookings via the IDFC FIRST Bank mobile app, with 1 point = ₹1 on app travel bookings.
Included: Zero forex markup on international spends; ATM cash withdrawals are interest-free for up to 45 days with a ₹199 + GST fee each.
Included: Trip cancellation cover up to ₹50,000 on non-refundable hotel and flight bookings (₹25,000 max each), up to 2 cancellations a year.
Included: Up to 24 golf rounds/lessons a year: one on ₹20,000 and a second on ₹40,000 spend in the previous statement cycle.
MAY NOT SUIT
Not stated
Typical fit only, based on the card’s own published terms. This is not personalised advice and not an indication of approval.
Visit bank website (opens in a new tab)

Figures last checked 31 Oct 2026 against the issuer’s published terms.