IDFC Gaj credit card credit card
Joining Fee:

₹12500 +GST

Return Percentage:

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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 — Milestones

  1. Renewal benefitRepeats every year

    No spend needed — in a year

    Get 12,500 Reward Points worth up to ₹12,500 on annual fee payment if annual fee waiver milestone of ₹10L is not reached.

  2. Welcome benefitRepeats every year

    Spend ₹12,500 in a year

    12,500 Reward Points worth up to ₹12,500 on payment of joining fees.

  3. Welcome benefit

    Spend ₹1,00,000 in a year

    25% off (up to ₹5,000) on bank-curated 5-star properties through the Travel & Shop section of the IDFC FIRST Bank Mobile App

  4. Annual fee waivedRepeats every year

    Spend ₹10,00,000 in a year

    The renewal fee will be waived.