Gaj: Credit Card Review 2026 — Fees, Rewards & Eligibility
Issuer: IDFC First Bank
Network: Visa | Tier: Super Premium
IDFC FIRST credit card offering rewards, lifestyle benefits and digital convenience.
Why Choose the Gaj: Credit Card?
The Gaj: Credit Card is a Super Premium-tier Visa credit card issued by IDFC First Bank, rated 4.4/5 by the Credit Card Hunt editorial team. It is best suited for Ultra-premium customers seeking flagship metal card with maximum benefits. With a reward rate of Enhanced dining/travel rewards and an annual fee of ₹12,500, it ranks among the popular Super Premium / Metal cards in India in 2026.
New cardholders are welcomed with Lifestyle offers, which adds immediate value in the first year.
Gaj: Credit Card Fees & Charges
| Annual Fee | ₹12,500 |
|---|---|
| Joining Fee | ₹12,500 |
| Interest Rate | 8.5% – 46.2% p.a. (0.71% – 3.85% per month); Overdue: 47.88% p.a. |
| Foreign Markup | Nil (no foreign transaction markup) |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver on transactions ₹200 – ₹5,000 per statement cycle |
Gaj: Credit Card Rewards & Benefits
| Reward Rate | Enhanced dining/travel rewards |
|---|---|
| Welcome Bonus | Lifestyle offers |
| Lounge Access | Domestic airport lounge access |
| Best For | Ultra-premium customers seeking flagship metal card with maximum benefits |
Key Highlights of the Gaj: Credit Card
- Reward points
- Lifestyle offers
- Fuel surcharge waiver
- Digital features"
Gaj: Credit Card Eligibility Criteria
- Age 18+
- Good credit score
- As per bank eligibility"
Minimum Income Required: Premium lifestyle eligibility
Advantages of the Gaj: Credit Card
- Competitive benefits
- Flexible usage"
Drawbacks of the Gaj: Credit Card
- Benefits vary by card variant
Gaj: Credit Card — Frequently Asked Questions
What is the annual fee of the Gaj: Credit Card?
The Gaj: Credit Card has an annual fee of ₹12,500 and a joining fee of ₹12,500. New cardholders receive Lifestyle offers as a welcome benefit, which helps offset the joining cost.
Does the Gaj: Credit Card offer airport lounge access?
Yes — the Gaj: Credit Card offers Domestic airport lounge access.
Who is eligible for the Gaj: Credit Card?
The minimum income requirement is Premium lifestyle eligibility. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the Gaj: Credit Card?
The Gaj: Credit Card earns Enhanced dining/travel rewards. It is best suited for Ultra-premium customers seeking flagship metal card with maximum benefits.
Credit Cards Similar to the Gaj: Credit Card
If you are considering the Gaj: Credit Card, these super premium / metal credit cards are worth comparing before you apply:
- Mayura Credit Card by IDFC First Bank — rated 4.8/5, ₹5,999 annual fee
Expert Rating: 4.4/5