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IDFC FIRSTVisasuper premiuminvite-only

IDFC First Gaj Credit Card

For high spenders who maximise premium travel, lounges and lifestyle perks — and can justify the fee.

excellent shape
health 100/100
annual fee₹ 12,500/yr
joining fee₹ 12,500
base earn rate3.33 / ₹100
rewards inReward Points
forex markup0%
welcome benefit₹ 12,500
apply on IDFC FIRST →value it for my spends

✓ best for

International SpendsInsurance PremiumsUtilities & Bills

⚠ heads up

no major caveats we’re tracking.

earn rates

categoryratecap/mo
base · everything else3.33 / ₹100—
International Spends2 / ₹100—
Insurance Premiums0.67 / ₹100—
Utilities & Bills0.67 / ₹100—
Rent0.67 / ₹100—
Education / Fees0.67 / ₹100—

benefits & perks

★ Domestic Lounge Access

4 Visits Each Quarter, Including 1 Guest Visit

★ International Lounge Access

4 Visits Each Quarter

★ Golf

Up to 24 Golf Rounds/Lessons Per Year

★ Insurance Benefits

Free Trip Cancellation Cover Up to ₹50,000, Air Accident Cover, Personal Accident Cover, and More

★ Fuel Surcharge Waiver

1% Fuel Surcharge Waiver Up to ₹300 Each Statement Cycle

★ Welcome Benefit~₹ 12,500/yr

12,500 Reward Points

eligibility

  • · invite-only — needs an existing relationship

run your spend profileto see this card's value for you.