IDFC FIRST Bank Gaj Credit Card - Premium Metal, Invite Only Credit Card

RuPayOther₹12,500 / yearfee waived above ₹10,00,000 in 365 daysothertravellounge

Verified against the issuer’s page on 7 September 2026 (source). Benefits change; confirm on the bank’s page before you apply.

What the card gives you

Domestic lounge: 4 /qtr
International lounge: 16 /yr
Lounge program: DreamFolks
Lounge guest allowed: Yes
Forex markup: 0%
Free hotel night: Yes
Fuel surcharge waiver: 1%
Fuel cap: ₹300 /mo
Golf games: 6 /qtr
Base earn: 3.33 points/₹100 ≈ 0.83% back
Travel accelerated: 33.33 pts/₹100
Travel accelerated: 16.67 pts/₹100
Other accelerated: 2 pts/₹100
Travel accelerated: 3.33 pts/₹100
Travel accelerated: 0.67 pts/₹100 · cap ₹4k /mo
Fuel accelerated: 0.67 pts/₹100 · cap ₹300 /mo
Earn 12,500 reward points and spend ₹1L in 60 days from card generation and get 5-star hotel voucher for 25% off up to ₹5,000: ₹1.0L /yr

The fine print that matters

Accelerated travel: 50 reward points per ₹150 spent on hotels via our mobile app. Flights 16.67% Value back with 25 reward points per ₹150 spent on flights via our mobile app. Dail
Accelerated travel: 16.67% Value back with 25 reward points per ₹150 spent on flights via our mobile app. Daily Spends Up to 3.33% Value back with up to 5 reward points per ₹150 sp
Accelerated other: 2% Value back on international spends with 3 reward points per ₹150. Travel 1 Reward Point = ₹1 on travel bookings via our mobile app (₹0.25 elsewhere). Spends
Accelerated travel: 5 Reward Points per ₹150. Book Now Know More Accelerated Rewards on Flight Bookings Receive 20 Bonus Reward Points per ₹150 on flight bookings via the IDFC FIRS
Accelerated travel: 1 Reward Point per ₹150 on Insurance, Utilities, Rent, Government, Wallet Load, Railways, FASTag and Education spends, domestic and international. Book Now Know
Accelerated fuel: 1 Reward per ₹150 on UPI spends. 1 Reward Point = ₹1 on travel bookings via IDFC App. • Add the card on your favourite UPI Apps. Terms and Conditions Know Mor