IDFC FIRST Bank Gaj Credit Card

Verified against the issuer’s page on 27 August 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