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 logoIDFC

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 — Lounge Access

Domestic lounge

4 per quarterquarter
  • Spend ₹20,000 or more in the preceding month

Guest lounge

1 per quarterquarter
  • Spend ₹20,000 or more in the preceding month
  • 1 per quarter for domestic lounges

International lounge

4 per quarterquarter
  • Spend ₹20,000 or more in the preceding month
  • Present your Dream Folks card & get access

1 more lounge benefit on this card

We track all 4 of them, with the spend conditions on each. See the full list in the app.

Open in the app