Welcome benefits: On spending 1,00,000 within 60 days from the card generation date to user will get 25% discount, up to 75,000, on selected 5-star properties using IDFC FIRST Bank Mobile App.
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IDFC Gaj Credit Card
Rewards & Benefits
Welcome Benefits
Welcome benefits: On spending 1,00,000 within 60 days from the card generation date to user will get 25% discount, up to 75,000, on selected 5-star properties using IDFC FIRST Bank Mobile App.
Milestone Benefits
Annual fee reversal on spending INR 10 lakhs in a year.
Cashback Rate
1 reward point = INR 0.25, however if point is redeemed for hote/flight booking using IDFC App, one point = INR 1.
User will get 33.33 point on spending INR 100 on hotel bokings through the IDFC App. Hotel Cashback Rate: 33.33%.
User will get 16.67 point on spending INR 100 on flight bokings through the IDFC App. Flight Cashback Rate: 16.67%.
User will get 5 points on spending INR 150 on domestic spends. Domestic Cashback Rate: 0.83%.
User will get 5 points on spending INR 150 on international spends. International Cashback Rate: 0.5%.
Insurance + Cashback Rate: 0.16%
Movie Benefits
None.
Dining Benefits
Exclusive dining and hotel offers from time to time.
Other Benefits
Free meet and greet on spending USD 1,000 in a year.
Free cancellation for any reason insurance for hotel and flight booking, upto INR 50,000, can be availed twice a year.
Discount on limousine booking.
Free 16 railway lounge visits a year.
Free 3rd night stay at ITC Hotels for every 2 night stays.
2 free golf lessons /rounds per month.
Free third night for every 2 nights at Elivaas Luxuary Hotels.
Exclusive dining and hotel offers from time to time.
Free concierge service.
Free air accident cover, personal accident cover,
Complimentary roadside assistance worth INR 1399.
Free 24 golf lessons/rounds per year.
Zero forex markup.
Ger 12,500 reward point on card renewal every year.
Lounge Access
Free 4 international lounge visits a year and 16 domestic lounge visits a year.
Rewards & Benefits
Welcome Benefits
Welcome benefits: On spending 1,00,000 within 60 days from the card generation date to user will get 25% discount, up to 75,000, on selected 5-star properties using IDFC FIRST Bank Mobile App.
Milestone Benefits
Annual fee reversal on spending INR 10 lakhs in a year.
Cashback Rate
1 reward point = INR 0.25, however if point is redeemed for hote/flight booking using IDFC App, one point = INR 1.
User will get 33.33 point on spending INR 100 on hotel bokings through the IDFC App. Hotel Cashback Rate: 33.33%.
User will get 16.67 point on spending INR 100 on flight bokings through the IDFC App. Flight Cashback Rate: 16.67%.
User will get 5 points on spending INR 150 on domestic spends. Domestic Cashback Rate: 0.83%.
User will get 5 points on spending INR 150 on international spends. International Cashback Rate: 0.5%.
Insurance + Cashback Rate: 0.16%
Movie Benefits
None.
Dining Benefits
Exclusive dining and hotel offers from time to time.
Other Benefits
Free meet and greet on spending USD 1,000 in a year.
Free cancellation for any reason insurance for hotel and flight booking, upto INR 50,000, can be availed twice a year.
Discount on limousine booking.
Free 16 railway lounge visits a year.
Free 3rd night stay at ITC Hotels for every 2 night stays.
2 free golf lessons /rounds per month.
Free third night for every 2 nights at Elivaas Luxuary Hotels.
Exclusive dining and hotel offers from time to time.
Free concierge service.
Free air accident cover, personal accident cover,
Complimentary roadside assistance worth INR 1399.
Free 24 golf lessons/rounds per year.
Zero forex markup.
Ger 12,500 reward point on card renewal every year.
Lounge Access
Free 4 international lounge visits a year and 16 domestic lounge visits a year.
Fees & Charges of
IDFC Gaj Credit Card
Joining Fee
INR 12,500
Annual Fee
INR 12,500
Cash Advance Fee
Cash advance fee: Rs. 199
Interest rate
Interest rate: 3.99% monthly, 47.88% annually.
Late Payment Fee
Late payment charges: INR100 to INR1300.
Foreign Currency Transactions Fee
0%
Other Fees
Reward redemption fee: ₹99 per redemption request
Joining Fee
INR 12,500
Annual Fee
INR 12,500
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
Interest rate: 3.99% monthly, 47.88% annually.
Late Payment Fee
Late payment charges: INR100 to INR1300.
Foreign Currency Transactions Fee
0%
Other Fees
Reward redemption fee: ₹99 per redemption request
Fee and Charges of
IDFC Gaj Credit Card
Special Features
Eligibility Criteria
By invite only
Speical Feature, Eligibility and Benefits of
IDFC Gaj Credit Card
How to apply for Credit Card?
Contact Details
N/A
Account Opening and Procedure of
IDFC Gaj Credit Card
Product Review of
IDFC Gaj Credit Card
The card is packed with all kind of benefits. 10% cashback on PhonePe spends is a solid plus point. Overall it is one of the best credit cards in India.
Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
Product Review of
IDFC Gaj Credit Card
Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
