IDFC First Gaj Credit Card
Card Details
Card Details
- Issuer
- IDFC FIRST Bank
- Card type
- Super Premium
- Joining fee
- ₹12,500 + GST
- Annual fee
- ₹12,500 + GST
- Rewards currency
- Reward Points
Highlights
Highlights
- 1 RP = ₹1 on Travel Bookings
- Zero Forex Markup
- 16 Domestic + 16 International Lounge Visits/Year
- Annual Fee Waiver on ₹10L Spend
Welcome, annual & renewal benefits
Welcome, annual & renewal benefits
- Joining/Annual Fee: ₹12,500 + GST (invite-only).
- Welcome: 12,500 Reward Points
- Annual fee waiver on ₹10L annual spend.
- Renewal benefit: 12,500 RPs on fee payment.
Reward earning
Reward earning
| Spend type | Earn rate |
|---|---|
| Regular Spends | 5 RPs / ₹150 (3.33%) |
| International Spends | 3 RPs / ₹150 (2%) |
| Insurance, Utilities, Rent, Govt, Education | 1 RP / ₹150 (0.67%) |
| Hotel Bookings via IDFC App | 45 Bonus RPs / ₹150 |
| Flight Bookings via IDFC App | 20 Bonus RPs / ₹150 |
- 1 RP = ₹1 on travel via IDFC app; ₹0.25 elsewhere.
- Max 15,000 bonus RPs/month on travel bookings.
- No RPs on fuel, EMI, cash withdrawals.
Additional Benefits
Additional Benefits
- Domestic Lounge: 4 visits/quarter + 1 guest visit.
- International Lounge: 4 visits/quarter.
- Railway Lounge: 4 visits/quarter (on ₹20K spend).
- Golf: Up to 24 rounds/lessons per year (spend-based).
- Free FIRST Digital Credit Card for UPI spends.
- Trip cancellation cover: ₹50,000.
- Forex markup: Zero (0%).
- 1% fuel surcharge waiver (max ₹300/cycle).
- Visa Infinite benefits: Meet & Greet, concierge, hotel perks.
Review
Review
This super premium offering from IDFC First Bank promises a lot but falls short. The card positions itself in same category as Infinia but there are 2 significant issues. There are no airline transfer partner and no voucher multiplier. If you don't have any other super premium card and are getting this one, there is no harm in taking it.