IDFC First Bank Gaj Credit Card
The Gaj credit card offered by the IDFC First Bank is a premium offering and is designed for high net-worth individuals. This is an invite-only credit card that comes with various lifestyle privileges and a highly rewarding ecosystem.
The Gaj credit card offers various benefits like zero forex markup on international transactions, accelerated reward points on travel bookings, complimentary lounge access, comprehensive insurance coverage, waiver on fuel surcharge and much more. Whether you travel frequently or spend on luxury experiences, this metal card offers various travel perks and lifestyle benefits, along with financial flexibility in the form of complimentary digital RuPay credit card.
Features and Benefits of Gaj Credit Card:
The features and benefits of Gaj credit card are as follows:
- Reward Benefits: The reward points earned on Gaj credit card never expire.
- With this credit card, you earn 50 Reward Points per Rs.150 on hotel bookings through the IDFC FIRST Bank mobile app, which is approximately 33.33% value-back.
- You earn 25 Reward Points per Rs.150 on flight bookings through the IDFC FIRST Bank mobile app, which is approximately 16.67% value-back.
- You earn 5 Reward Points per Rs.150 on domestic spend, which is approximately 3.33% value-back.
- You earn three Reward Points per Rs.150 on international spends.
- You earn one Reward Point per Rs.150 on utilities, rent, insurance, government, and education.
- Do note that one reward point is equivalent to one rupee, when redeemed for flights and hotels through the IDFC FIRST Bank App. For other redemptions like vouchers or merchandise, one reward point is equivalent to Rs.0.25.
- Zero Forex Markup: This credit card offers zero forex markup fee on international transactions.
- Complimentary Lounge Access: You get four complimentary domestic lounge access every quarter, which also includes one guest visit. You also get four complimentary international lounge access every quarter via DreamFolks. Do note that you need to complete transactions worth Rs.20,000 using this credit card in the previous month to avail this benefit.
- Complimentary Trip Cancellation Cover: With this credit card, you also get a trip cancellation cover worth Rs.50,000. This reimburses non-refundable portions of flight or hotel bookings in case you change your travel plans.
- Roadside Assistance: You get the benefit of complimentary roadside assistance services worth Rs.1,399 with this card. This comes handy during vehicle breakdowns or in case of emergencies.
- Comprehensive Insurance Coverage: You get the benefit of personal air accident cover worth Rs.1 crore, lost card liability cover of Rs.50,000, personal accident cover of Rs.10 lakhs, credit shield cover of Rs.50,000, and travel insurance.
- Complimentary Digital RuPay Credit Card: With Gaj credit card, you also receive a complimentary FIRST Digital RuPay Credit Card that can be linked with UPI apps for everyday payments. You earn reward points on UPI transactions as well.
- Interest-free Withdrawals: This card allows ATM cash withdrawals globally with interest-free credit for up to 45 days. Do note that a small withdrawal fee applies per transaction.
- Fuel Surcharge Waiver: You get 1% fuel surcharge waiver on fuel transactions, with a capping of Rs.300 per statement cycle.
- Other Lifestyle Benefits: You also get access to various discounts and offers across more than 300 partner brands. This includes travel, shopping, dining, and lifestyle categories.
- Annual Fee Wavier: The annual fee for the Gaj Credit Card is waived when you spend Rs.10 lakh or more in the previous year. If you do not achieve the spend-based milestone set by the bank, you will have to pay the annual fee. However, once the fee is successfully paid, 12,500 reward points will be credited to your account as a benefit.
Eligibility Criteria to Apply for Gaj Credit Card:
The Gaj credit card offered by IDFC First Bank is an invite-only credit card.
Fees and Charges for Gaj Credit Card
The fees and charges for Gaj credit card are as mentioned in the table below:
Type of Fee | Amount |
Joining fee | Rs.12,500 plus taxes |
Annual fee | Rs.12,500 plus taxes (Waived off on spending Rs.10 lakh annually.) |
Finance charge | 0.71% to 3.85% p.m. |
Cash advance fee | Rs.199 |
Late payment charges | 15% of the total amount due (Minimum Rs. 100 up to Maximum Rs. 1,300) |
Forex Mark-up Fee | Nil |
Cash Advance Fee | Rs.199 plus taxes |
Customer Care:
You can reach the IDFC First Bank customer care on following number in case of any queries related to Gaj credit card:
- Domestic Helpline Number: 1800 10 888
- International Helpline Number: +91 22 6248 5152.
- WhatsApp Number: 9555 555 555
FAQs on IDFC First Bank Gaj Credit Card
- Can I withdraw cash using the Gaj credit card?
Yes, you can withdraw cash up to Rs.10,000 per transaction using the Gaj credit card from ATMs across India as well as abroad. Do note that cash withdrawals are interest-free for up to 45 days with this credit card. However, you will have to pay a cash advance fee of Rs.199 + GST per transaction is applicable regardless of the withdrawal amount or location.
- How many days of paying the joining fee will I receive my Gaj credit card?
Your Gaj metal credit card will be dispatched to your registered mailing address and should reach you within 5 working days of paying the joining fee. Do note that in case your address has changed, it is important to visit the nearest bank branch to update your address in the bank records. Once the address is updated, you can call 1800 108 88 to request the card to be dispatched to your new address.
- Will I get complimentary lounge benefits with the Gaj credit card?
Yes, you get complimentary airport lounge access benefits with the Gaj credit card. You get four complimentary visits to domestic airport lounges every quarter, which includes 1 guest visit per quarter. Moreover, you also get four complimentary visits to international airport lounges every quarter, which can be accessed using the DreamFolks card. Do note that to avail of lounge access in the next calendar month, you need to complete transactions worth Rs.20,000 or more in the current calendar month.
- How much is the forex mark-up fee on Gaj credit card?
There is zero forex mark-up fee on Gaj credit card.
- What is the validity of reward points earned on Gaj credit card?
The reward points earned on Gaj credit card never expire.
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