Gaj Credit Card (Metal)

Rewards, as stated by the issuer

• Up to 33.33% Value Back
• with up to 50 reward points per ₹150 spent
• for detailed Reward points information
• 33.33% Value back
• with 50 reward points per ₹150 spent on hotels via our mobile app.
• 16.67% Value back
• with 25 reward points per ₹150 spent on flights via our mobile app.
• Up to 3.33% Value back
• with up to 5 reward points per ₹150 spent on the credit card.
• 2% Value back
• on international spends with 3 reward points per ₹150.
• 1 Reward Point = ₹1
• Earned reward points
• 1 Reward point = ₹1 on Tripstacc
• 1 Reward point = ₹0.25 otherwise
• Receive 45 Bonus Reward Points per ₹150 on hotel bookings via the IDFC FIRST Bank Mobile App, over and above the base 5 Reward Points per ₹150.
• Receive 20 Bonus Reward Points per ₹150 on flight bookings via the IDFC FIRST Bank Mobile App, over and above the base 5 Reward Points per ₹150.
• Reward Points on Spends

Other benefits

• ITC Hotel Offer
• Complimentary 3 rd night for every 2 paid nights
• for detailed terms & conditions for Zero Forex & ITC hotel offer
• Airport Transfer Discounts
• Free Trip Cancellation Cover
• Recover up to ₹50,000 on hotel & flight non-refundable cancellations
• Interest-free Global ATM Cash Withdrawal
• 1 complimentary service a year on $1000 international spends and 10% discount for rest of the bookings
• Five Star Hotel Stay Offer
• Avail a complimentary 3rd night for every 2 paid nights at ITC Hotels
• Enjoy a free 3rd night for every 2 paid nights at Elivaas Luxury Villas
• Premium Hotel Offers
• Enjoy exclusive benefits and discounts at 900+ luxury hotels around the world
• Concierge Services
• Golfing Escapades
• Offered on 1 st application. Not applicable on re-application of Gaj: Credit Card.
• Comprehensive Insurance Cover
• Air accident cover, personal accident cover, travel insurances and more

Welcome & milestones

Lounge access

Domestic: Enjoy 4 Indian (incl. 1 guest) and 4 global airport lounges every quarter · • 4 complimentary visits per quarter to airport lounges at airport terminals in India. Also, 1 guest visit per quarter to Indian airport lounges is included in the overall benefit. Use your credit card to access Indian airport lounges. · • Travellers can enjoy 4 complimentary visits to domestic airport lounges per quarter, including 1 guest visit. For international trips, the card offers 4 complimentary lounge visits per quarter, providing comfort and luxury between flights.

International: Enjoy 4 Indian (incl. 1 guest) and 4 global airport lounges every quarter · • 4 complimentary visits per quarter to global airport lounges. Use the DreamFolks card to access global airport lounges. Some global lounges require prebooking via the link · • Travellers can enjoy 4 complimentary visits to domestic airport lounges per quarter, including 1 guest visit. For international trips, the card offers 4 complimentary lounge visits per quarter, providing comfort and luxury between flights.

Railway: Complimentary Railway Lounge Access

Programme: DreamFolks

Every fee line found on the page

• *Annual Fee will be waived off on ₹10,00,000 annual spends
• 0% Forex Mark-up
• Save upto ₹300 per statement cycle with 1% Fuel Surcharge Waiver
• Joining fees: ₹2,999 + GST
• Annual Fee: ₹2,999 (2nd year onwards)
• Only 1% Forex Markup
• Joining fees: ₹5,999 + GST
• Annual Fee: ₹5,999 (2nd year onwards)
• The Gaj: Credit Card comes with a Joining Fee of ₹12,500 + GST and an Annual Fee (applicable from second card anniversary year) of ₹12,500 + GST. The Joining Fee will be levied on credit card application approval.
• • You can also pay the Joining Fee of ₹12,500 + GST by clicking here
• Yes, you can! All ATM cash withdrawals are interest-free for up to 45 days – in India or abroad. Please keep in mind that a Cash Advance Fee of ₹199/- + GST is applicable per transaction, irrespective of your location or the withdrawal amount. The maximum cash withdrawal limit per transaction is ₹10,000.
• • 0% Forex Markup Fee: Unlike most forex and multi-currency cards that may include hidden charges or unfavourable exchange rates, the Gaj: Credit Card offers a true 0% forex markup fee, ensuring cost-effective international transactions.
• o Annual redemption capping: 3,00,000 Reward Points (₹3,00,000 value)
• You can enjoy an annual fee waiver of ₹12,500 + GST by spending ₹10 lakhs in the previous card anniversary year.
• If you do not meet the ₹10 lakh spend criteria, you will need to pay the annual fee for the next year. Upon successful payment, you will receive 12,500 Reward Points (worth up to ₹12,500) credited to your account.