IDFC
IDFC FIRST GAJ Credit Card
This is an invite only card
Apply and get ₹700 Rewards
Top Benefits
Enjoy 4 Complimentary Domestic & International Airport Lounge Access
per quarter complimentary railway lounge access, free trip cancellation cover up to ₹50,000 twice a year, and airport meet & greet
Enjoy Complimentary 3rd Night for Every 2 paid Nights at ITC Hotels and Elivaas Luxury Villas
50% off on 2nd night, exclusive benefits at 900+ premium hotels worldwide, curated dining at handpicked restaurants via Visa Infinite, and personalized concierge service
Best For
Dining
Travel
Expert Review
Joining / Annual Fee
Joining Fees
₹14,750 ( ₹12500 + GST )
Annual Fees
₹14,750 ( ₹12500 + GST )
Eligibility
Age
Criteria*
21-60 years
Salary
Criteria*
3LPA
Credit
Rating*
720+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
No
All Card Benefits
- 5 RP per ₹150 on domestic spends; 3 RP per ₹150 on international spends; 1 RP per ₹150 on Insurance, Utilities, Rent, Government, Wallet Load, Railways, FASTag and Education spends
- Bonus rewards on hotels/flights via IDFC FIRST Bank Mobile App (50 RP/₹150 on hotels, 25 RP/₹150 on flights)
- Complimentary domestic & international airport lounge access, railway lounge access
- ITC Hotels, Elivaas, 900+ premium hotels, curated dining, concierge, golf (up to 24 rounds/year)
- Complimentary lifetime-free FIRST Digital Rupay Credit Card for UPI (earns 1 RP per ₹150 on UPI spends)
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 Reward Points = ₹1
Redemption Options
- Flight & Hotel booking
- Gift Vouchers
To check redemption catalogue
Gift card - Key Terms
Once you apply, we will start tracking your application
Generally takes 2-72 hrs
Once the bank confirms us of your successful card activation, we will process your rewards
Generally takes 7-75 days
You can then withdraw your rewards via Amazon Pay Balance/Flipkart gift cards
Generally takes 7-75 days
Note: If you currently hold or have ever held an IDFC Credit Card, you are not eligible for CashKaro Rewards.
Rewards Related
- If you currently hold or have ever held an IDFC Credit Card, you are not eligible for Gift Card
- A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
- Please use Aadhaar linked mobile number to fill the application
- If the distance between your residence and office addresses is 150 km or more, please ensure that your residence is selected as the mailing address. Applications not adhering to this will be rejected
- VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards
Also, Remember
- Resume your application only via Great.Cards to avoid losing Rewards
- If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
- Rewards can only be redeemed as Amazon Pay Balance and Flipkart Gift Card
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Fuel
EMI
Balance Transfer
Cash withdrawal transactions
For Spends Waiver
Fuel
EMI
Balance Transfer
Cash withdrawal transactions
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  0% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency | 0% |
APR Fees Finance charges of 0.71% to 3.85% per month (8.5% to 46.2% per annum) apply on unpaid outstanding balances until the amount is fully repaid | 3.85% |
ATM withdrawal ₹199 + GST per transaction is charged on cash advances | ₹199 |
Reward Redemption Fees ₹99 redemption fee per redemption | ₹99 |
Link for all T&Cs | Click Here |
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets, levied only when total railway spends in a statement cycle exceed ₹25,000 | 1% |
Rent Payment Fees A surcharge fee of 1% of the transaction value (subject to a minimum of ₹249) applies | 1% |
cheque Payment Fees A fee of 2% of the payment amount (subject to a minimum of ₹500) is levied for cheque return | 2% |
Cash Payment Fees No fee is charged on cash payment | Not Applicable |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹100 | ₹0 |
| ₹500 | ₹100 |
| ₹5000 | ₹750 |
| ₹8000 | ₹1200 |
| ₹10,000 | ₹1300 |
| ₹10,000 & above | ₹1300 |
That’s the full story of this credit card
Like this card? Your apply button’s just there.
Top Benefits
Apply and get ₹700 Rewards
Top Benefits
Enjoy 4 Complimentary Domestic & International Airport Lounge Access
per quarter complimentary railway lounge access, free trip cancellation cover up to ₹50,000 twice a year, and airport meet & greet
Enjoy Complimentary 3rd Night for Every 2 paid Nights at ITC Hotels and Elivaas Luxury Villas
50% off on 2nd night, exclusive benefits at 900+ premium hotels worldwide, curated dining at handpicked restaurants via Visa Infinite, and personalized concierge service
The smartest way to find your great credit card
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