VISA ★ Metal Edition 📡 Contactless NFC
IDFC FIRST GAJ Credit Card
Joining Fee₹12,500
Annual Fee₹12,500
Forex Markup 0% ZERO
🎁 Key Features & Highlights
🎉
Joining & Activation Welcome Gift
Vouchers worth ₹12,500 and discount vouchers on milestone spends
Enjoy Complimentary 3rd Night for Every 2 paid Nights at ITC Hotels and Elivaas Luxury Villas
50% off on 2nd night, exclusive benefits at 900+ premium hotels worldwide, curated dining at handpicked restaurants via Visa Infinite, and personalized concierge service
Earn up to 50 reward points per ₹150 (33.33% value back)
on hotel bookings and 25 reward points per ₹150 (16.67% value back) on flight bookings done via the IDFC FIRST Bank Mobile App
Enjoy 4 Complimentary Domestic & International Airport Lounge Access
per quarter complimentary railway lounge access, free trip cancellation cover up to ₹50,000 twice a year, and airport meet & greet
💰 Reward Structure & Point Valuation
1 IDFC First Reward Points = ₹0.25 Standard Base Earning
10 RP per ₹100 spent on incremental spends
Accelerated / Partner Rate
30 RP per ₹100 spent on online spends above ₹20,000
Points Validity:Never Expire
Redemption Fee: ₹99 + GST / cycle
Redemption Modes: IDFC FIRST Rewards Portal, Flight and Hotel Bookings, Brand Vouchers
🚫 No Reward Points / Cashback on:
Fuel Cash Advances EMI Transactions Wallet Loads Government Transactions
🛋️ Airport Lounge Access & Spend Criteria
✓ Lounge Access Active🛫
Domestic Lounge VisitsUnlimited domestic airport and railway lounge access
🌐
International Lounge VisitsUnlimited international lounge access via Priority Pass
⚠️
Spend Criteria: Unconditional access
⚡ Spend Milestones & Special Perks
Annual Fee Waiver ₹1,000,000/yr
Annual fee waived on spends of ₹10,00,000 or more in the previous anniversary year UPI Payments Support✗ Not Supported
UPI not supported on Visa/Mastercard Fuel Surcharge Waiver1% Surcharge Waived
1% fuel surcharge waiver (Capped at ₹1000/mo) 📋 Eligibility Criteria
✓ Official CriteriaAge Limit21 - 60 Years
Min. Monthly Income₹25,000
Min. Credit Score720 CRIF
Employment TypeSalaried / Self-Employed
Official Bank Portal Application
Get the IDFC FIRST GAJ Credit Card
Annual Fee: ₹12,500/yr (Waivable)
Personalized Card Matcher
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🔍 Related Credit Card Collections
Frequently Asked Questions
No, IDFC FIRST GAJ Credit Card has a joining fee of ₹12500 and an annual renewal fee of ₹12500 (plus applicable taxes).