Gaj: Credit Card Review 2026 — Fees, Rewards & Eligibility
By Credit Card Hunt Editorial Team
Issuer: IDFC FIRST Bank
Network: Visa | Tier: Super Premium
The Gaj: Credit Card is a Super Premium Visa credit card issued by IDFC FIRST Bank, best suited for ultra-premium customers seeking flagship metal card with maximum benefits. IDFC FIRST credit card offering rewards, lifestyle benefits and digital convenience. It carries a joining fee of ₹12,500, with an interest rate of 8.5% – 46.2% p.a. (0.71% – 3.85% per month); Overdue: 47.88% p.a.. Key benefits include Reward points, Lifestyle offers, Fuel surcharge waiver, and Digital features. Reward earnings work as follows: Enhanced dining/travel rewards. On fees — Lounge access: Domestic airport lounge access; Foreign transaction markup: Nil (no foreign transaction markup); Fuel surcharge: 1% fuel surcharge waiver on transactions ₹200 – ₹5,000 per statement cycle. Applicants typically need premium lifestyle eligibility to qualify. It falls under the Super Premium / Metal category on CreditCardHunt.
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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 — a real advantage for ultra-premium customers seeking flagship metal card with maximum benefits.
- Flexible usage — a highlight among IDFC FIRST Bank's super premium lineup.
Drawbacks of the Gaj: Credit Card
- On the downside: 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
Official sources for this review
Fees, rules and limits described above are governed by the primary sources below.
- RBI Master Direction — Credit Card and Debit Card Issuance and Conduct Directions, 2022 — Reserve Bank of India
- Department of Financial Services — Banking Division — Ministry of Finance, Government of India
- Consumer Financial Decision-Making research — Wharton School, University of Pennsylvania
- Tax Collected at Source on Liberalised Remittance Scheme transactions — Income Tax Department, Government of India
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- Read our credit card guides & FAQ.
Expert Rating: 4.4/5