About IDFC FIRST Gaj Metal Credit Card
IDFC FIRST Gaj is an invite-only premium credit card designed for users who want strong benefits across categories like travel credit cards and lifestyle spending. As an IDFC credit card, it offers up to 33.33% value-back on travel spends and around 3.33% on regular spends, making it competitive with top cards like HDFC Infinia Credit Card and ICICI Emeralde Private Credit Card. It also provides a 1:1 reward redemption ratio for travel bookings, which helps in getting better value.
One of the key highlights of this card is that it includes categories like utilities, rent, and insurance in its rewards program. It also comes with a complimentary Digital RuPay card, allowing you to earn rewards on UPI payments. In addition, cardholders get special benefits at ITC Hotels, Elivaas, and other luxury properties, along with added travel and lifestyle perks.
While the lounge access is limited to 16 complimentary visits per year, the card still offers premium services like airport meet & greet and discounts on limousine transfers. Overall, it is a strong option for high-income users looking for an all-rounder premium credit card with travel and lifestyle benefits.
IDFC FIRST Gaj Metal Credit Card Rewards Program
Rewards Program
- Earn 50 reward points per ₹150 on hotel bookings and 25 points on flights via Travel & Shop
- Earn 5 reward points per ₹150 on regular spends and 3 points on international spends
- Earn 1 reward point per ₹150 on insurance, utilities, rent, government, wallet, FASTag, railways, education & UPI spends
- Redeem 1 point = ₹1 for travel bookings via Travel & Shop
- Redeem 1 point = ₹0.25 for vouchers and products via the mobile app
Suggested Read: Best Rewards Credit Cards for Everyday Spending
Other Features and Benefits
Welcome / Renewal Benefits
- Get 12,500 reward points worth ₹12,500 on joining or renewal fee payment
- Enjoy 25% off (up to ₹5,000) on 5-star hotel bookings on ₹1 lakh spend within 60 days
- Complimentary FIRST Digital RuPay Card
Travel Benefits
- 0% forex mark-up fee on international spends
- Get 4 domestic and 4 international airport lounge visits per quarter, plus 4 railway lounge visits
- Enjoy 1 complimentary airport meet & greet service on ₹91,000 annual international spends, with 10% discount on additional bookings
- Avail discounts on airport limousine transfers across 3,000+ cities
- Get a complimentary night stay or up to 50% off on hotel bookings at ITC Hotels & Elivaas
- Enjoy premium hotel benefits like breakfast, VIP status, and late check-out at 900+ luxury hotels
Also Check: Best Travel Credit Cards
Trip Cancellation Cover
- Get up to ₹50,000 cover per year on non-refundable flight & hotel cancellations (₹25,000 each, twice a year)
Fee Waiver
- Annual fee waived on spends of ₹10 lakh in a year
Lifestyle Benefits
- Get 1 complimentary golf round on monthly spends of ₹20,000 and 2 rounds on ₹40,000
- Enjoy exclusive dining offers at premium restaurants through Visa Infinite
- Access 24×7 concierge services for dining, travel, and bookings
- Complimentary roadside assistance worth ₹1,399
- Get exclusive offers across 300+ brands in dining, shopping, and travel
Also Check: Best Entertainment Credit Cards
Fuel Benefit
- 1% fuel surcharge waiver up to ₹300 per month
Insurance Benefits
- Card liability cover of ₹50,000 and credit shield of ₹50,000
- Personal accident cover of ₹10 lakh and air accident cover of ₹1 crore
- Purchase protection cover of ₹50,000
- Travel covers include baggage loss (USD 500), delay (USD 100), flight delay & document loss (USD 300 each)
Also Read: Best Credit Cards in India 2026
Fees and Charges
| Fee Type | Amount |
|---|
| Joining Fee | Rs. 12,500 + Applicable Taxes |
| Annual Fee | Rs. 12,500 + Applicable Taxes |
| Finance Charges | 0.71% to 3.85% p.m. (8.5% - 46.2%) |
| Late Payment Fee | 15% of the total amount due (Min. Rs. 100 and Max. Rs. 1,300) |
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Document Required For IDFC FIRST Gaj Metal Credit Card
- Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
- Proof of Address: Aadhaar Card, Driver’s License, Passport
- Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
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Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
IDFC FIRST Gaj Metal Credit Card Highlights
What do we like about this card?
- Earn up to 50 reward points per ₹150 on travel bookings
- Redeem points at ₹1 value for flights & hotels
- Get 0% forex mark-up fee on international spends
- Enjoy airport, international & railway lounge access every quarter
- Get up to ₹50,000 trip cancellation cover per year
- Complimentary golf rounds based on monthly spends
- Get 12,500 reward points as welcome/renewal benefit
- Annual fee waived on ₹10 lakh spends
Things to Know Before you apply
Get this card if:
- You travel frequently and want to save on domestic and international trips
- You can spend around ₹10 lakh annually to get the fee waiver
- You are comfortable redeeming rewards through the IDFC FIRST mobile app
- You are a high spender with an existing relationship with the bank
Pros
- Zero forex mark-up on international spends
- Up to 33.33% value-back on travel bookings
- 3.33% value-back on other spending categories
- 1:1 reward redemption for travel via Travel & Shop
- Exclusive benefits at ITC Hotels and Elivaas
- Complimentary FIRST Digital RuPay Credit Card
Cons
- Limited domestic and international lounge access
- No option to convert points into airline or hotel loyalty programs
- Golf benefits available only on meeting spend conditions
Idfc Bank Credit Card Contact Details
- Contact Address: IDFC FIRST Bank Ltd. Naman Chambers, C-32, G Block, Bandra Kurla Complex, Bandra (East), Mumbai – 400051, Maharashtra, India
Helpline (24x7): 1800 10 888 (Toll-Free for all customers) - Simply SMS: Send “IDFCCREDIT” to 5676732 from your registered mobile number
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Frequently Asked Questions
Yes, you can earn reward points on UPI transactions using the Digital FIRST RuPay Credit Card. You get 1 reward point for every ₹150 spent on UPI.
The credit limit is based on factors like your income, credit score, and relationship with the bank. Premium users usually get a higher limit.
Yes, cash withdrawal is allowed, but it is treated as a cash advance. Interest is charged from the transaction date along with applicable fees, so it should be used only when necessary.
On renewal, you can either get 12,500 reward points worth ₹12,500 or avail a fee waiver by spending ₹10 lakh in a year.
No, this card comes with zero forex markup, making it a good option for international transactions.
