Gaj Credit Card | Premium Metal Credit Card by IDFC FIRST Bank

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Introducing

A Metal Credit Card
By IDFC FIRST Bank

#MadeOfIndia

IDFC FIRST Bank
Metal Credit Card

Experience Greatness

By invitation only

Fees and Charges

Exclusive Gaj: Benefits

Zero Forex Markup

Make international transactions with no forex fees

Up to 33.33% Value Back

with up to 50 reward points per ₹150 spent

ITC Hotel Offer

Complimentary 3^rd night for every 2 paid nights

Rewards as grand as Gaj:

Hotels

33.33% Value back

with 50 reward points per ₹150 spent on hotels via our mobile app.

Flights

16.67% Value back

with 25 reward points per ₹150 spent on flights via our mobile app.

Daily Spends

Up to 3.33% Value back

with up to 5 reward points per ₹150 spent on the credit card.

International

2% Value back

on international spends with 3 reward points per ₹150.

Travel

1 Reward Point = ₹1

on travel bookings via our mobile app (₹0.25 elsewhere).

For those who see luxury not as a possession, but as a way of being

0% Forex Mark-up

Travel the world and leave forex fees behind
Terms and Conditions

Complimentary Airport Lounge Access

Enjoy 4 Indian (incl. 1 guest) and 4 global airport lounges every quarter
Terms and Conditions

Airport Transfer Discounts

Enjoy limousine services in over 3000 cities across 83 countries
Terms and Conditions

Free Trip Cancellation Cover

Recover up to ₹50,000 on hotel & flight non-refundable cancellations
Terms and Conditions

Interest-free Global ATM Cash Withdrawal

On your credit card with a cash withdrawal fee of ₹199 + GST
Terms and Conditions

Airport Meet & Greet

1 complimentary service a year on $1000 international spends and 10% discount for rest of the bookings
Terms and Conditions

Complimentary Railway Lounge Access

Avail 4 visits every quarter at select Indian Railway Terminals
Terms and Conditions

For those who see luxury not as a possession, but as a way of being

Five Star Hotel Stay Offer

Avail a complimentary 3rd night for every 2 paid nights at ITC Hotels
Terms and Conditions

Luxury Villa Vacations

Enjoy a free 3rd night for every 2 paid nights at Elivaas Luxury Villas
Terms and Conditions

Premium Hotel Offers

Enjoy exclusive benefits and discounts at 900+ luxury hotels around the world
Terms and Conditions

Curated Dining Deals

Experience luxury dining at handpicked restaurants
Terms and Conditions

Concierge Services

Personalized experience to book dining, staycations, flights and activities.
Terms and Conditions

Golfing Escapades

Access up to 24 complimentary golf rounds/lessons per year. T&C Apply* Unlock a golf round/lesson per month on spending ₹20,000 and ₹40,000, respectively in the previous statement cycle.
Terms and Conditions
Book now

For those who see luxury not as a possession, but as a way of being

Joining Fee Payment Benefit*

Earn 12,500 reward points and spend ₹1L in 60 days from card generation and get 5-star hotel voucher for 25% off up to ₹5,000. *Limited Period Offer
Offered on 1^st application. Not applicable on re-application of Gaj: Credit Card.
Terms and Conditions

Annual Fee Waiver

Spend ₹10,00,000/year to get waiver.
Terms and Conditions

Annual Fee Payment Benefit

Earn 12,500 reward points
Terms and Conditions

For those who see luxury not as a possession, but as a way of being

Fuel surcharge waiver

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

Comprehensive Insurance Cover

Air accident cover, personal accident cover, travel insurances and more
Terms and Conditions

24/7 Roadside assistance

Complimentary RSA worth ₹1,399
Terms and Conditions

Over 300+ brand Offers

Explore

Complimentary FIRST Digital Rupay Credit Card

• Earn 1 Reward per ₹150 on UPI spends. 1 Reward Point = ₹1 on travel bookings via IDFC App.
• Add the card on your favourite UPI Apps.
Terms and Conditions

Know More

Power of Complimentary with your Gaj: Credit Card

Maximise your UPI
spends with 3X
Reward Points

Know More

Earn 1 Reward per ₹150 on UPI Spends

Instantly pay with Scan & Pay via IDFC FIRST Bank Mobile app

Add your card in preferred UPI apps for seamless payments

Maximise your UPI
spends with 3X
Reward Points

Know More

Earn 1 Reward per ₹150 on UPI Spends

Instantly pay with Scan & Pay via IDFC FIRST Bank Mobile app

Add your card in preferred UPI apps for seamless payments

Explore Other Metal Credit Cards

Ashva

Add a touch of enchantment to everyday adventures

Joining fees: ₹2,999 + GST
Annual Fee: ₹2,999 (2nd year onwards)

Only 1% Forex Markup
Up to 16% value back as reward points

Discover more

Apply now arw2

Mayura

Make everyday a celebration of life's finest pleasures

Joining fees: ₹5,999 + GST
Annual Fee: ₹5,999 (2nd year onwards)

Zero Forex Markup
Up to 20% value back as reward points

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Answering all your questions

All

Fee and card dispatch

Benefits

Reward Points

Joining / Annual Fee Payment Benefit

Card Usage

International Helpline

Airport Lounge

Offers

Credit Limit

What is the Joining/Annual Fee on Gaj: Credit Card?

The Gaj: Credit Card comes with a Joining Fee of ₹12,500 + GST and an Annual Fee (applicable from second card anniversary year) of ₹12,500 + GST. The Joining Fee will be levied on credit card application approval.

Why am I being asked to pay the Joining Fee to receive my credit card?

IDFC FIRST Bank believes in complete transparency, and we want our customers to make an informed decision about their Joining Fee and its associated benefits. By asking for payment upfront, we are aligning with our core values of openness and trust, ensuring you have full cognizance about the applicable fee, before committing to this premium metal card. This process allows you to make a conscious choice in a responsible and transparent manner. By choosing this process we also aim to minimize wastage due to cancelled and returned cards.

I can't wait to receive my metal card. Where can I pay the expected upfront Joining Fee?

• You will receive communication from the bank to pay the joining fee as soon as your credit card application is approved.

• You can also pay the Joining Fee of ₹12,500 + GST by clicking here

• On the next page you must authenticate using the mobile number and date of birth as mentioned during the card application. The payment can be made using UPI and net banking.

Upon issuance, I can see the digital card in the mobile banking app, but I cannot use it for online purchases.

• As per the process, upfront Joining Fee payment is required to activate your digital card and dispatch of the metal card.

• On card application approval, you will receive communication to pay the Joining Fee. To pay the Joining Fee now, click here.

• Once the Joining Fee is paid, please make sure that you have enabled online (Ecom) transactions on the card. To enable online transactions, please click here.

Can I use my card for online transactions till the physical card is delivered to me?

Once the Joining Fee payment is completed, the credit card can be used for online transactions. To enable online transactions and to get the card details, please use the IDFC FIRST Mobile Banking App

I have paid the Joining Fee. When will I receive my metal credit card?

On payment of joining fee, the metal credit card will be dispatched to your mailing address registered with the bank and should arrive in 5 working days. If your address has changed, please visit a nearby branch and get your address updated in the bank records. Once, the address is updated, please call 180010888 to get the card dispatched to the updated address.

What is the joining fee payment benefit of the Gaj: Credit Card?

On payment of joining fee, you receive the following benefits:

• 12,500 Reward Points worth up to ₹12,500

• 25% Off on 5-Star Hotel Voucher on select 5-Star hotelbookings via Travel and Shop Section on IDFC FIRST BankMobile App

• The benefit is available only once per customer. If you close thecard and reapply, you will not be eligible for the benefit.

What are the offers available on the Gaj: Credit Card?

The Gaj: Credit Card comes loaded with benefits like discounts on 300+ brands, zero forex markup, complimentary airport lounge access, etc. The full list of benefits is mentioned above.

For brand offers, you can visit the offers website

What is the forex mark-up on the Gaj: Credit Card?

The Gaj: Credit Card provides ZERO forex markup. Spend without paying extra fees while travelling abroad as well as on international purchases made from India.

Can I avail of complimentary airport lounge visits on the Gaj: Credit Card?

Yes. With Gaj: Credit Card, you can enjoy:

• 4 complimentary visits per quarter to airport lounges at airport terminals in India. Also, 1 guest visit per quarter to Indian airport lounges is included in the overall benefit. Use your credit card to access Indian airport lounges.

• 4 complimentary visits per quarter to global airport lounges. Use the DreamFolks card to access global airport lounges. Some global lounges require prebooking via the link

To view the list of airport lounges, click here

The lounge benefit can be availed in the next calendar month by spending ₹20,000 or more in the current calendar month.

Can I use my credit card to withdraw cash at an ATM?

Yes, you can! All ATM cash withdrawals are interest-free for up to 45 days – in India or abroad. Please keep in mind that a Cash Advance Fee of ₹199/- + GST is applicable per transaction, irrespective of your location or the withdrawal amount. The maximum cash withdrawal limit per transaction is ₹10,000.

How is the Gaj: Credit Card by IDFC FIRST Bank beneficial for frequent travellers?

• The Gaj: Credit Card by IDFC FIRST Bank is a premium metal card that offers exceptional benefits tailored for frequent travellers. With a 0% forex markup fee on international transactions, it offers significant savings on global spending. The card also offers interest-free global ATM cash withdrawals for up to 45 days, making it a more convenient and secure alternative to forex cards or cash. While there is a one-time ₹199 (+GST) transaction fee per ATM withdrawal, it remains a practical solution for accessing cash abroad.

• Travellers can enjoy 4 complimentary visits to domestic airport lounges per quarter, including 1 guest visit. For international trips, the card offers 4 complimentary lounge visits per quarter, providing comfort and luxury between flights.

• Additionally, the Gaj: Credit Card includes a no-questions-asked Free Trip Cancellation Cover of up to ₹50,000, protecting the non-refundable portion of hotel and flight cancellations. Comprehensive travel insurance, with coverage up to USD 1,200, ensures protection against luggage loss, flight delays, etc. enhancing travel peace of mind.

• The Gaj: Credit Card combines convenience, security, and premium travel perks, making it an ideal companion for frequent travellers.

How is the Gaj: Credit Card a better alternative to a forex card or a multi-currency card?

• The Gaj: Credit Card by IDFC FIRST Bank offers several advantages over traditional forex and multi-currency cards, making it a superior choice for global travellers:

• 0% Forex Markup Fee: Unlike most forex and multi-currency cards that may include hidden charges or unfavourable exchange rates, the Gaj: Credit Card offers a true 0% forex markup fee, ensuring cost-effective international transactions.

• No Pre-Loading Hassle: Forex and multi-currency cards require pre-loading specific currencies, which involves additional hassles. The Gaj: Credit Card eliminates all this, allowing seamless transactions in any currency without advance planning.

• Interest-Free Global ATM Cash Withdrawals: The card allows interest-free global ATM cash withdrawals for up to 45 days, providing flexibility and convenience, especially when you need cash on the go. While there is a ₹199 (+GST) transaction fee, it’s still a practical option compared to the fees associated with managing physical cash or reloading a forex card.

• Additionally, this metal card includes premium travel perks like complimentary domestic and international lounge visits, trip cancellation cover of up to ₹50,000, and travel insurance, which are typically not available with forex cards. The Gaj: Credit Card is a seamless, cost-effective, and rewarding choice for global travellers.

Will I earn reward points for every spend?

Yes. You will earn:

• 5 reward points per ₹150 spent on eligible spends in a monthlystatement cycle.

• 3 reward points per ₹150 spent on international transactions

• 1 reward point per ₹150 spent on Education, Wallet Load,Government, Rent and Property Management/Purchase, Utilities,Railways, FASTag and Insurance transactions (both domestic andinternational).

• Reward points will not be given on spends converted to EMI, CashWithdrawal, Fuel, Fee and Charges, Loan on Card, Balance Transferand Transactions whose value is below ₹150.

What is the tenure of validity of my reward points?

The Gaj: Credit Card provides the benefit of never-expiring reward points. The reward points remain valid till the credit card is active.

When will the reward points be credited?

The reward points will get credited upon statement generation.

What is the reward program on Gaj: Credit Card?

The Gaj: Credit Card offers a premium reward program where each Reward Point is worth ₹1 on travel bookings via IDFC FIRST Bank mobile app. Here are the details:

• Earning on regular spends:

o 5X Reward Points on all eligible spends in a statement cycle spends (1X = 1 Reward Point per ₹150)

• Bonus rewards on travel bookings via the IDFC FIRST Bank app:

o Hotels – 45X Reward Points

o Flights – 20X Reward Points

o Capped at 15,000 bonus Reward Points per month.

• Earning on other categories:

o International Transactions – 3X Reward Points

o Education, Wallet Load, Government, Rent and Property Management/Purchase, Utilities, Railways, FASTag and Insurance transactions – 1X Reward Points

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

• Redemption rules for travel bookings:

o 1 Reward Point = ₹1 on travel bookings

o Points can be used for up to 70% of the booking amount (balance payable by card)

o Monthly redemption capping: 1,50,000 Reward Points (₹1,50,000 value)

o Annual redemption capping: 3,00,000 Reward Points (₹3,00,000 value)

• Redemption rules for other options:

o 1 Reward Point = ₹0.25 for purchasing gift voucher, products via Travel and Shop Section on IDFC FIRST Bank mobile app and for “Pay using reward points” on select online transactions

What is the annual fee waiver benefit on the Gaj: credit card?

You can enjoy an annual fee waiver of ₹12,500 + GST by spending ₹10 lakhs in the previous card anniversary year.

What is the annual fee payment if annual fee waiver milestone is not achieved?

If you do not meet the ₹10 lakh spend criteria, you will need to pay the annual fee for the next year. Upon successful payment, you will receive 12,500 Reward Points (worth up to ₹12,500) credited to your account.

Will I be asked for my Credit Card PIN at every POS terminal, be it domestic or international?

For all transactions in India, yes, you will be asked for a PIN for completing the transactions. However, outside India, you will be asked for the PIN only if the POS terminal is enabled for PIN authentication.

How do I contact the Bank when I’m travelling outside India?

In case of any questions regarding your credit card while abroad, please contact us at +91 22 6248 5152.

Can I avail of complimentary airport lounge visits on the Gaj: Credit Card?

Yes. With Gaj: Credit Card, you can enjoy:

• 4 complimentary visits per quarter to global airport lounges. Use the DreamFolks card to access global airport lounges. Some global lounges require prebooking via the link

To view the list of airport lounges, click here

The lounge benefit can be availed in the next calendar month by spending ₹20,000 or more in the current calendar month.

What are the offers available on the Gaj: Credit Card?

The Gaj: Credit Card comes loaded with benefits like discounts on 300+ brands, movie tickets, complimentary airport lounge access, etc. The full list of benefits is mentioned above.

For brand offers, you can visit the offers website.

What will be my credit limit?

If you are applying for your first IDFC FIRST Bank unsecured credit card, you will get a credit limit as per our internal policies.

If you already have an IDFC FIRST Bank unsecured credit card, your new credit card will also have the same credit limit. The credit limit, however, will be shared across all unsecured credit cards.

Important Documents

Get in touch with us

Add a note of appreciation

Customer Support

Locate our branch

IDFC FIRST Bank Mobile App

Drop a ‘Hi 👋’ on 9555 555 555

Call us on 1800 10 888

Locate our nearby

Introducing

A Metal Credit CardBy IDFC FIRST Bank#MadeOfIndia

IDFC FIRST BankMetal Credit Card

Experience Greatness

By invitation only

Benefits

Rewards

Privileges

UPI

FAQs

Exclusive Gaj: Benefits

Zero Forex Markup

Make international transactions with no forex fees

Up to 33.33% Value Back

with up to 50 reward points per ₹150 spent

ITC Hotel Offer

Complimentary 3rd night for every 2 paid nights

Rewards as grand as Gaj:

33.33% Value back

with 50 reward points per ₹150 spent on hotels via our mobile app.

16.67% Value back

with 25 reward points per ₹150 spent on flights via our mobile app.

Up to 3.33% Value back

with up to 5 reward points per ₹150 spent on the credit card.

2% Value back

on international spends with 3 reward points per ₹150.

1 Reward Point = ₹1

on travel bookings via our mobile app (₹0.25 elsewhere).

Enjoy benefits as mighty as Gaj:

For those who see luxury not as a possession, but as a way of being

0% Forex Mark-up

Complimentary Airport Lounge Access

Airport Transfer Discounts

Free Trip Cancellation Cover

Interest-free Global ATM Cash Withdrawal

Airport Meet & Greet

Complimentary Railway Lounge Access

For those who see luxury not as a possession, but as a way of being

Five Star Hotel Stay Offer

Luxury Villa Vacations

Premium Hotel Offers

Curated Dining Deals

Concierge Services

Golfing Escapades

For those who see luxury not as a possession, but as a way of being

Joining Fee Payment Benefit*

Annual Fee Waiver

Annual Fee Payment Benefit

For those who see luxury not as a possession, but as a way of being

Fuel surcharge waiver

Comprehensive Insurance Cover

24/7 Roadside assistance

Over 300+ brand Offers

Complimentary FIRST Digital Rupay Credit Card

Power of Complimentary with your Gaj: Credit Card

Maximise your UPI spends with 3X Reward Points

Maximise your UPI spends with 3X Reward Points

Explore Other Metal Credit Cards

Ashva

Add a touch of enchantment to everyday adventures

Mayura

Make everyday a celebration of life's finest pleasures

Answering all your questions

Important Documents

Most Important T&C​

Card Member Agreement

Product Usage Guide

Credit Card Basics

Get in touch with us

A Metal Credit Card
By IDFC FIRST Bank

#MadeOfIndia

IDFC FIRST Bank
Metal Credit Card

Complimentary 3^rd night for every 2 paid nights

Maximise your UPI
spends with 3X
Reward Points

Maximise your UPI
spends with 3X
Reward Points

Most Important T&C

Credit Card
Basics