All cards / IDFC FIRST Bank
IDFC FIRST Gaj Credit Card
IDFC FIRST's invite-only flagship metal card for private banking clients — not open to public applications, but a genuine 0% forex markup and strong travel value-back for those invited.
Annual fee
₹12,500
Joining fee
₹12,500
Reward type
cashback
Base reward rate
3%
Card network
Visa
Card tier
Super-premium
Who this card fits
Best suited to applicants with a credit score of roughly 800+ whose spend is concentrated in travel. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 3% base rate
- Domestic lounge access: 4 complimentary domestic airport lounge visits per quarter (incl. 1 guest visit)
- International lounge access: 4 complimentary international airport lounge visits per quarter
- Golf: One complimentary golf round/lesson at ₹20,000 statement-cycle spend; a second at ₹40,000
Benefits by category
- ✈️ Travel
33.33% reward rate · Unlimited domestic and international airport lounge access
- 🌍 Forex / international spend
0% forex markup on international transactions
Eligibility
- Minimum credit score: 800
- Minimum monthly income: ₹3,00,000
- Employment: salaried, self-employed
- Age: 21–70
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹10,00,000
- Foreign currency markup: 0%
Benefits
- 12,500 invitation reward points (1RP = ₹1) redeemable on travel via the IDFC FIRST app — offsets the joining fee
- 0% forex markup on international transactions
- Unlimited domestic and international airport lounge access
- Complimentary golf round/lesson at ₹20,000 statement-cycle spend; a second at ₹40,000
- Interest-free ATM cash withdrawals for up to 45 days, in India or abroad
Pros
- + Up to 33.33% value-back on travel bookings via the IDFC FIRST app
- + 0% forex markup
- + Unlimited lounge access plus golf privileges
Cons
- − Invite-only — not available to the general public
- − High fee (₹12,500 + GST), though largely offset by welcome points
- − Value-back requires redeeming through the bank's own app/travel portal
Best for