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.

• 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.

• 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.

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

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.

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.​

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

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.

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.

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.

• 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.

• 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.

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.

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

The reward points will get credited upon statement generation.

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

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

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.

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.

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

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.

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.

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.