IDFC First Gaj Credit Card
IDFC First Gaj Credit Card from IDFC FIRST Bank is covered here with fees, rewards, benefits, exclusions, fuel/forex charges and Zlash's practical verdict for Indian users.
Annual fee: Rs 12,500 | Reward type: Reward Points | Best for: Travel, Shopping, Flights
Estimated value per Rs 100 of eligible spend.
IDFC First Gaj Credit Card Overview
IDFC First Gaj Credit Card is an IDFC FIRST Bank credit card. Base reward value is about Rs 3.33 per Rs 100 of eligible spend. Zlash checks boosted categories like travel, flights, international spends along with caps and exclusions.
Best For
IDFC First Gaj Credit Card is most useful when your spends regularly fall into travel, flights, international spends.
Rewards
travel
13.5x the base reward rate.
flights
5x the base reward rate.
international spends
0.6x the base reward rate.
insurance
0.2x the base reward rate.
utility bills
0.2x the base reward rate.
rent
0.2x the base reward rate.
wallet reloads
0.2x the base reward rate.
education
0.2x the base reward rate.
Not Good For
- Spends in excluded categories such as fuel, emi, fees, charges, gst.
Welcome And Travel Benefits
Welcome: Welcome benefits are listed in extracted facts; verify current issuer terms before applying.
Domestic lounge: Domestic lounge benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
International lounge: International lounge benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
Travel: Travel benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
Lifestyle Benefits
Golf: Golf benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
Insurance: Insurance benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
Fuel And Forex Charges
1% fuel surcharge waiver on eligible fuel transactions.
Reward Exclusions
Milestone Benefits
- Spend Rs 1,00,000 in a yearly period for benefit value around Rs 75,000.
- Spend Rs 10,00,000 in a yearly period for benefit value around Rs 12,500.
Zlash Verdict
Choose this card when travel, shopping, flights match your normal spend pattern. Skip it for categories that are excluded from rewards or where another card gives a cleaner direct discount.
This page is generated from normalized card facts, not copied review prose. Zlash uses this structure so card data can power both public SEO pages and future in-app card detail views.
FAQ
What is the annual fee of IDFC First Gaj Credit Card?
The listed annual fee is Rs 12,500.
What is IDFC First Gaj Credit Card best used for?
IDFC First Gaj Credit Card is most useful when your spends regularly fall into travel, flights, international spends.
Does IDFC First Gaj Credit Card have reward exclusions?
Yes. The extracted exclusions include fuel, emi, fees, charges, gst, loan on card.
How does Zlash use this card data?
Zlash uses fee, reward, cap and exclusion facts to estimate effective prices after eligible payment rewards.