IDFC FIRST Bank Gaj: Credit Card

IDFC FIRST Bank · Invite only

IDFC FIRST's invite-only ₹12,500 metal card. It earns 5 points per ₹150 on most spends, with points worth ₹1 on flights and hotels in the bank's app (₹0.25 elsewhere), so about 3.3% back when used for travel, plus large app hotel and flight bonuses, zero forex markup and 4 domestic and 4 international lounge visits a quarter. The fee is waived on ₹10 lakh of spend.

Annual fee
₹12,500 + GST a year
Joining fee
₹12,500 + GST
Fee waiver
Annual fee waived on ₹10,00,000 spend per card year
Base rate
Everything else, 5 points per ₹150: 5 IDFC FIRST Bank reward points per ₹150 (about 3.33% at cash value)
Lounges
Domestic: 4 visits a calendar quarter after ₹20,000 spend; International: 4 visits a calendar quarter after ₹20,000 spend; Railway: 4 visits a calendar quarter after ₹20,000 spend
Forex markup
0%
Data
From bank documents, checked 6 Nov 2026

Main earn rates

  • Hotels booked in the IDFC FIRST app, 45 bonus points per ₹150: 45 IDFC FIRST Bank reward points per ₹150 on top of the base rate (about 30% at cash value)
  • Flights booked in the IDFC FIRST app, 20 bonus points per ₹150: 20 IDFC FIRST Bank reward points per ₹150 on top of the base rate (about 13.33% at cash value)

Earns nothing on

  • No points on fuel, EMI and cash withdrawals

Terms the calculator does not value

  • Joining offer: spend ₹1 lakh within 60 days of card generation for a 25% off 5-star hotel voucher (up to ₹5,000) on bookings in the bank's app, first application only. The page calls it a limited period offer and gives no dates.
  • Points are reversed for a statement cycle in which the minimum amount due is not paid by the due date. From 18 June 2026 points are earned only on spends up to the credit limit in a billing cycle.
  • Travel redemption at ₹1 a point is limited to 70% of a booking, 1,50,000 points a calendar month and 3,00,000 a calendar year; the calculator applies the yearly cap only.

Sources

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