Ultra-HNW Handcrafted Metal Credit Card with 10X Rewards & Elite Wealth Privileges
Ultra-high-net-worth individuals and private wealth clients seeking a prestigious metal card with unlimited global lounge access and zero-interest cash liquidity.
₹12,500
One-time upfront₹12,500
Waived on ₹10 lakh annual spend5 Reward Points per ₹150 on general retail (3.33% travel return; 1 RP = ₹1.00 on travel)
On eligible spends4 Domestic visits/quarter + 16 International visits/year · ₹20k monthly spend required (Domestic)
Complimentary visitsLast verified 3 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The IDFC FIRST Gaj Credit Card represents the absolute apex of IDFC FIRST Bank's credit card hierarchy. Available strictly by invitation to private banking luminaries, corporate leaders, and ultra-high-net-worth families, the card is precision-machined in dark engraved metal. It commands an upfront joining fee of ₹12,500 plus GST, which is compensated by premium welcome benefits including bespoke luxury vouchers, complimentary hotel loyalty tier upgrades, and 12,500 bonus reward points. The economic return structure follows IDFC FIRST Bank's signature customer-centric model: cardholders earn 3X reward points on offline spends, 6X on online purchases, and a staggering 10X reward points on incremental spending exceeding ₹30,000 per monthly billing cycle. Crucially, reward points never expire and carry a 1:1 redemption ratio of ₹0.25 per point with zero redemption handling fees. For international jet-setters, the card delivers unlimited complimentary domestic and international airport lounge access for primary cardholders and accompanying guests, complemented by a low 1.50% forex markup. With interest-free ATM cash withdrawals for up to 48 days, complimentary rounds of golf, and a dedicated 24/7 Gaj Concierge, the IDFC FIRST Gaj card delivers an uncompromising balance of financial liquidity and bespoke status.
5 Reward Points/₹150 on Regular Spends (3.33%) | 3 Reward Points/₹150 on International Spends (2%) | 1 Reward Point/₹150 on Insurance, Utilities, Rent, Government, Wallet Loads, Railways, FASTag & Education (0.67%)
12,500 Reward Points and 25% Off On 5-Star Stays
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| General Retail Purchases | 5 Reward Points per ₹150 on general retail purchases (3.33% travel return) | No Cap | Standard terms apply |
| Spends Above ₹20,000 | 10X Reward Points on incremental monthly spends above ₹20,000 (1 RP = ₹0.25) | No Cap | Standard terms apply |
| International Spends | 3 Reward Points per ₹150 on international retail transactions (2.00% travel return) | No Cap | Standard terms apply |
| Spends Up to ₹20,000 | 5X Reward Points on all retail spends up to ₹20,000 | 20,000 INR (₹)/mo | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| General Retail Purchases | ₹18,000 | 5 Reward Points per ₹150 on general retail purchases (3.33% travel return) | — | None | Calculating... | Under cap |
| Spends Above ₹20,000 | ₹4,000 | 10X Reward Points on incremental monthly spends above ₹20,000 (1 RP = ₹0.25) | — | None | Calculating... | Under cap |
| International Spends | ₹4,000 | 3 Reward Points per ₹150 on international retail transactions (2.00% travel return) | — | None | Calculating... | Under cap |
| Spends Up to ₹20,000 | ₹4,000 | 5X Reward Points on all retail spends up to ₹20,000 | — | ₹20,000/monthly | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹12,500
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Eligibility: Strictly by-invitation only for IDFC FIRST Private Banking and Ultra-HNW clients. • Joining & Annual Fee: ₹12,500 + GST; renewal fee waived on annual spends of ₹10,00,000 or more. • Rewards Accrual: 3X points on offline spends, 6X points on online spends, 10X points on monthly spends above ₹30,000 (never expiring). • Airport Lounge Access: Unlimited complimentary domestic and international airport lounge visits with guest passes via DreamFolks. • Preferential Forex Markup: Highly competitive 1.50% + GST foreign currency markup. • Cash Advance Feature: Zero interest on domestic and international ATM cash withdrawals until the payment due date (nominal fee only). • Golf Privileges: Complimentary golf rounds and lessons every month at top golf destinations worldwide. • Concierge: Dedicated 24/7 Gaj Personal Concierge and lifestyle assistance.
Evaluate whether this card's perks and waiver threshold justify its ₹12,500 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding IDFC FIRST Gaj Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official IDFC FIRST Bank portal with paperless verification.
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Best for: Ultra-high-net-worth individuals, conglomerate chairpersons, family office principals, and top executives demanding bespoke global lifestyle privileges.
Rewards: 1 EDGE Mile/₹100 Spent on All Transactions
Lounge access: Unlimited Domestic & International
Forex markup: 1.5% Low Forex
Last verified 3 Oct 2026
Best for: High-spending professionals, executive travelers, and golf enthusiasts looking for non-expiring reward points and international lounge visits.
Rewards: 10X on spends above ₹20,000/month; 5X on retail below ₹20,000
Lounge access: 2 Domestic visits/quarter + 8 International visits/year · ₹20k monthly spend required (Domestic)
Forex markup: 0% (Zero Forex)
Renewal fee waived on ₹3,00,000 annual spend
Last verified 3 Oct 2026
Best for: International travelers, overseas online shoppers, and affluent consumers seeking a luxury metal card with guaranteed approval and zero forex markup.
Rewards: 4X points on online, offline, and international spends; 1X on utilities/insurance
Lounge access: 1 Domestic visits/quarter · ₹20k monthly spend required
Forex markup: 0% (Zero Forex)
Renewal fee waived on ₹1,00,000 annual spend
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Best for: Ultra-high-net-worth individuals, luxury frequent flyers, and high spenders seeking the highest reward return on travel bookings in India.
Rewards: 5 Reward Points per ₹150 spent
Lounge access: Unlimited Domestic & International
Forex markup: 2% Low Forex
Renewal fee waived on ₹10,00,000 annual spend
Last verified 27 Oct 2026
Best for: Utility Bill Payers, Google Pay Users & Everyday Dining, Grocery and Cab Spenders
Rewards: 5% on Google Pay bills, 4% on Swiggy/Zomato/Ola, 1.5% elsewhere
Lounge access: 1 Domestic visits/quarter · ₹50k quarterly spend required
Renewal fee waived on ₹2,00,000 annual spend
Last verified 2 Oct 2026
Best for: Global family offices, private wealth patrons, and multinational business leaders seeking bespoke international banking privileges and global airport convenience.
Rewards: Bespoke high-yield rewards on global luxury spends
Lounge access: Unlimited Domestic & International
Forex markup: 1.5% Low Forex
Last verified 3 Oct 2026
