Not available via the quiz
By invitation only - requires an existing IDFC FIRST Private Banking relationship, not available through a standard application.
IDFC FIRST Gaj Credit Card
IDFC FIRST Bank
₹12,500
Joining fee
₹12,500, waived at ₹10L spend
Annual fee
Waived if annual spend exceeds Rs 10,00,000, or alternatively satisfied by earning 12,500 reward points (aggregator-sourced).
0%
Forex markup
4.5 / 5
Rating
Eligibility
Estimated minimum income: ₹1,50,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 800+
Estimated — not officially confirmed by the bank.
Age: 25+
Invite-only; approval depends on existing banking relationship and credit history with IDFC FIRST Bank, reportedly targeting IDFC Private Banking customers per press coverage
Lounge access
Unlimited domestic & international lounge visits
Note: Domestic and international airport lounges combined (not broken out): up to 16 complimentary visits/year, which the aggregator flags as limited compared to competitors at this fee level.
Reward details
3.33% value-back on regular spends (aggregator-sourced)
- 33.33% value-back with 1:1 redemption ratio via mobile app (aggregator-sourced, unusually high, unverified against official page) on Travel spends
- 1 reward point per Rs 150 on UPI transactions via Digital RuPay card
Redemption
Via mobile app.
- Utilities, rent, and insurance included in the rewards program - notable since these categories are commonly excluded elsewhere
- Exclusive hotel partnerships and complimentary airport services (aggregator-sourced)
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Strong travel benefits, high reward rates, zero forex markup, exclusive hotel partnerships, complimentary airport services — Paisabazaar
Complaints
- Lounge access seen as limited compared to similarly-priced cards — Paisabazaar
- High annual fee — Paisabazaar
- Invite-only status itself restricts who can obtain the card — Paisabazaar
Sources
- Official — confirmed invite-only status, fee, forex only; JS-rendered page did not return full detail content
- Aggregator — eligibility, lounge, rewards, sentiment