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IDFC FIRST Bank
IDFC FIRST Gaj Credit Card
Visa
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.
Rates and fees last verified 15 July 2026.
Annual fee
₹12,500
Joining fee
₹12,500
Reward type
cashback
Base reward rate
3%
Card network
Visa
Card tier
Super-premium
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
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