# IDFC FIRST Gaj Credit Card

IDFC First Bank · Visa. ₹12,500 fee · 0% forex · 5 RP / ₹150 domestic (3.33%).

> Not open to new applications at the moment. Brief keeps the page for holders.

verified · checked 28 June 2026 · Source: https://www.idfcfirst.bank.in/credit-card/metal-credit-card/gaj

## How it earns (2)

- 5 RP / ₹150 domestic (3.33%) · verified · checked 28 June 2026
- 3 RP / ₹150 international · international only · verified · checked 28 June 2026

## On gift vouchers

- ₹83 back on a ₹10,000 voucher bought direct. · 5 RP / ₹150 domestic (3.33%)
- Vouchers for Bharat Petroleum (BPCL) and 5 more brands: nothing.

Worked out on a ₹10,000 voucher with no deal running. Card data current to 21 October 2026.
Every card on vouchers: https://voucher.getbrief.cards/best-cards-for-vouchers

## What earns nothing (1)

- No RP: fuel, cash, EMI

## Lounges (2)

- Up to 4 visits a quarter at Indian airports, 1 of them for a guest, after ₹20,000 spent the previous calendar month. · Indian airports (EliteAssist, card-based) · domestic · 4 per quarter · checked 21 October 2026
- Up to 4 international visits a quarter on a DreamFolks card, shared with add-on cards, after ₹20,000 spent the previous calendar month. · International (DreamFolks) · international · 4 per quarter · checked 21 October 2026

## Statuses it opens (1)

- GHA Discovery GHA Discovery Titanium · enrolment needed · ✓ official · checked 19 July 2026

## Comes with (1)

- Complimentary golf rounds + hotel/dining benefits + airport services

## Fees

- Annual fee: ₹12,500 + GST
  Waived at ₹10,00,000 spend per card year
- Forex markup: Nil
- DCC markup: Nil
- Earns: IDFC First Reward Points · ₹0.25 a point at baseline
- Earns only up to the credit limit each cycle
- A cycle’s points are cancelled if the minimum due is not paid by the due date

## Dated changes (3)

- Improvement · 9 September 2026: IDFC FIRST drops the forex markup on every credit card (https://getbrief.cards/changes#idfc-zero-forex-2026)
- Devaluation · 18 June 2026: IDFC FIRST portfolio devaluation hits Millennia, Mayura, Ashva & Gaj (https://getbrief.cards/changes#idfc-newcards-deval-2026)
- Improvement · 19 February 2024: Visa Infinite cards now fast-track to GHA DISCOVERY Titanium (to 31 Dec 2026) (https://getbrief.cards/changes#gha-visa-fasttrack-2026)

Every change, dated: https://getbrief.cards/changes

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Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page.

All cards: https://getbrief.cards/cards
Canonical: https://getbrief.cards/cards/idfc-first-gaj