Synopsis: IDFC FIRST Bank already has a wide base of credit card users across India. This article highlights the launch of Gaj, an invitation-only metal credit card created for its most premium customers.
IDFC FIRST Bank has announced the launch of the Gaj Credit Card, a premium invitation-only metal credit card created for a select group of high-net-worth customers.
It is based on a Sanskrit name Gajah and states the definition as “modern expression of India’s age-old virtues- strength, wisdom, and stature.” The card is part of the bank’s premium metal card lineup following Ashva and Mayura.
The Gaj Credit Card is available only to chosen Private Banking customers of IDFC FIRST Bank who have a strong and long-standing relationship with the bank. Customers cannot apply for this card directly.
The joining fee and annual fee are ₹12,500 plus GST. The annual fee is waived on spending above ₹10 lakh annually.
The card offers 12,500 Invitation Reward Points as a joining bonus which is equal to the joining fee you pay so the payment is balanced. These points has the value of ₹1 per point which can be used for travel bookings through the IDFC FIRST Bank app.
Simple Reward Structure with High Travel Value
The Gaj Credit Card follows a clear and easy reward system.
- 1 reward point equals ₹1 for travel bookings via mobile app (₹0.25 everywhere else)
- 5 reward points for every ₹150 on domestic spends
- 3 reward points for every ₹150 on international spends
- Accelerated Travel Rewards
- 50 reward points per ₹150 spent on hotel bookings via IDFC First Bank app (around 33.33% value back)
- 25 reward points per ₹150 spent on flight bookings via the app (around 16.67% value back)
- Earn 1 Reward Point per ₹150 on Insurance, Utilities, Rent, Government, Wallet Load, Railways, FASTag and Education spends, domestic and international.
Zero Forex and International Spending Benefits
One of the key highlights of the Gaj Credit Card is 0% foreign exchange markup. This means cardholders do not pay extra charges on international transactions.
The card even allows interest-free international ATM cash withdrawals for up to 45 days, with a fee of only ₹199 per withdrawal. This means that you do not need to carry foreign currency or separate travel cards.
Airport Lounge Access and Travel Comfort
The card offers premium airport lounge access:
- 4 domestic lounge visits per quarter, including 1 guest visit
- 4 international lounge visits per quarter
- Enjoy additional limousine services in over 3000 cities across 83 countries
- Cardholders also receive one complimentary international airport meet-and-greet service after achieving annual international spending of USD 1,000.
The card also includes an added benefit of a trip cancellation cover of up to ₹50,000, applicable to non-refundable flight and hotel bookings.You also get a complimentary Meet & Greet service at international airports once you meet the minimum spending required in a year.
Also Read: IDFC FIRST Bank Revises Credit Card Benefits for 2026: Every Changes Explained
Lifestyle, Hotel, and Golf Benefits
- Get up to 2 complimentary golf rounds or lessons per month
- You get the perfect hotel booking offer like book for 2 nights at the selected ITC Hotels and get the 3rd night free
- 1% fuel surcharge waiver, capped at ₹300 per billing cycle
- The card also provides travel insurance, air accident cover, personal accident cover, and purchase protection.
Digital RuPay Card for UPI Payments
Along with the metal card, customers also receive a lifetime-free FIRST Digital RuPay Credit Card. This digital card can be used for UPI payments and earns 1 reward point for every ₹150 spent, making it perfect for daily usage.
In Conclusion
With zero forex charges, interest-free global ATM access, high travel rewards, and strong protection covers, the Gaj Credit Card is designed for customers who travel frequently and prefer a smooth, premium experience without complex rules.
The card focuses on clarity, value, and premium convenience, making it one of the most exclusive offerings from IDFC FIRST Bank.
Written by Supriya
