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IDFC FIRST Bank Introduces Gaj Credit Card For Elite Customers; Meet The Invitation-Only Metal Credit Card
IDFC FIRST Bank has announced the launch of the Gaj: (pronounced Gajah in Sanskrit) Credit Card, a high-end, invitation-only metal credit card tailored for the bank's selective high-net-worth individuals (HNI). The bank's carefully chosen line of high-end metal credit cards, the Ashva-Mayura-Gaj: trilogy, culminates in the Gaj: Credit Card.
The IDFC FIRST Bank Gaj Credit Card is exclusively available to a limited set of IDFC FIRST Bank Private Banking customers who have a solid relationship. The yearly and joining fees for the card are Rs 12,500 + GST.
In order to make up the joining fee, the card includes 12,500 invitation Rewards Points worth 1RP=Rs.1 that can be used on travel reservations made through the IDFC FIRST Bank app.
Additionally, annual expenditures of Rs 10 lakh are also waived from the annual fee. In addition, GAJ provides an attractive metal card design, an intuitive 1:1 rewards system, 0% foreign exchange mark-up, and a range of premium travel and lifestyle privileges.
Shirish Bhandari, Head - Credit Cards, FASTag & Loyalty, IDFC FIRST Bank, said: "Gaj: Credit Card reflects our deep respect for Indian heritage and its achievers. We designed this card to be complete in every respect- combining feature depth with an inspirational Indian design. As the pinnacle of our Ashva- Mayura- Gaj: trilogy, it honours the wisdom and strength of the modern Indian achiever."
IDFC FIRST Bank Gaj Credit Card Benefits
| Feature | Details |
|---|---|
| Forex Markup | 0% forex markup on all international spends |
| ATM Cash Withdrawal | 0% Interest up to 45 days. Only a flat fee of ₹199 per withdrawal is applicable |
| Reward Points (RPs) - Accelerated | 5 reward points per ₹150 on your domestic spends. 3 reward points per ₹150 on international spends. 50 RPs per ₹150 (≈33.33% value back on hotel bookings) on IDFC FIRST Bank App. 25 RPs per ₹150 (≈16.67% value back on flight bookings) on IDFC FIRST Bank App. |
| Reward Points Utility | Never Expiring Reward points. RP can be redeemed online for travel, shopping, and lifestyle purchases, giving you true value. Redemption not limited to catalogues. 1 RP = ₹1 on travel bookings via IDFC FIRST Bank app. ₹0.25 per Reward Points elsewhere. |
| Airport Lounge Access | 4 domestic (Including 1 guest visit) + 4 international lounge visits per quarter |
| Golf | Up to 2 complimentary rounds/lessons per month |
| Hotel Privileges | ITC Hotels: Book 2 nights and get the 3rd night free |
| Meet & Greet | One Complimentary airport meet & greet on annual international spends of USD 1,000 |
| Trip Cancellation Cover | Get reimbursed for non-refundable flight and hotel cancellations: up to ₹50,000 |
| Joining Fee Payment Benefit | 12,500 Reward Points worth up to ₹12,500. Spend ₹1L within 60 days to get 25% off, up to ₹5,000 on select 5-star properties via IDFC FIRST Bank Mobile App (coupon valid for 180 days). |
| FIRST Digital Card | Lifetime free FIRST Digital Rupay Credit Card for UPI payments with 1 Reward Point per Rs 150 spends |
| Fuel Surcharge Waiver | 1% Fuel surcharge waiver up to ₹300 in a statement cycle |
| Travel & Purchase Protection | Comprehensive coverage including travel insurance, air accident and personal accident cover, and purchase protection |
Rewards: 1 Reward Point = Rs 1 for flights and hotels, eliminating complex math by offering the most direct value-back in the super-premium category.
Travel: 0% Forex Markup and Interest-Free Global ATM cash access. There is no longer a need to carry foreign currency notes and travel cards.
Full Travel Protection: A dedicated ₹50,000 Trip Cancellation Cover, the card is built for the "Global Indian" who demands a zero-compromise travel experience.
Hyper-Accelerated Rewards: Exclusive access to 50X rewards on hotels and 25X on flights via the IDFC FIRST ecosystem, delivering a value-back of up to 33.33%.
Seamless transit: with complimentary international and domestic lounges, including one for the Guest.
One of India's fastest-growing private banks, IDFC FIRST Bank is developing its UI, UX, and IT stack like a fintech. As of September 30, 2025, the bank has 35 million customers and a customer business of Rs. 5,35,673 crore, which includes Rs. 2,69,094 crores in deposits and Rs. 2,66,579 crores in loans and advances. Loans jumped 19.7% YoY while customer deposits climbed 23.4% YoY. With 1,041 branches, the bank operates in more than 60,000 cities, towns, and villages.
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