IDFC Gaj credit card credit card
Joining Fee:

₹12500 +GST

Return Percentage:

NA

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Credit Card Overview

IDFC Gaj is a premium credit card designed for high-value spenders who want strong rewards, lifestyle privileges, and premium travel benefits bundled into one offering.

Best Suited For:

IDFC logoIDFCVisa

Fees and charges at a glance

Annual fee
₹12,500

Charged every year you keep the card

Joining fee
₹12,500

Paid once when you get the card, plus GST

Forex markup
0%

Extra charge on foreign spends

Interest rate
46.2% p.a.

Only if you don't pay the full bill

Add-on card
₹4,000

An extra card for family

IDFC Gaj credit card — Earn Categories

Where you earn more

  • Hotels via IDFCTravel · Hotels50 reward points / ₹150

    Get 5 Base points + 45 Bonus Reward Points on transactions completed on your IDFC FIRST Bank Gaj Credit Card on Flights & Hotel bookings done via “Travel & Shop” section on IDFC FIRST Bank Mobile App.|A maximum of 15,000 bonus reward points can be earned per month in total.

  • Flights via IDFCTravel · Flights25 reward points / ₹150

    Get 5 Base points + 20 Bonus Reward Points on transactions completed on your IDFC FIRST Bank Gaj Credit Card on Flights & Hotel bookings done via “Travel & Shop” section on IDFC FIRST Bank Mobile App.|A maximum of 15,000 bonus reward points can be earned per month in total.

Everyday rate

  • Base Rewards5 reward points / ₹150

10 more earning categories on this card

We track all 13 of them, with the caps and conditions on each. See the full breakdown against your own spending in the app.

Open in the app

Earns nothing on these

Spends in these categories carry no rewards on this card.

  • Txn < ₹150
  • Fuel
  • EMI