IDFC FIRST Gaj
IDFC FIRST Bank · Checked 2026-10-09
IDFC FIRST Gaj is a premium card built around travel benefits, flights and reward points, with a ₹12,500 annual fee before GST.
CardIQ editorial view
Our take
IDFC FIRST Gaj is a premium card built around travel benefits, flights and reward points, with a ₹12,500 annual fee before GST.
Who it suits
- People who prioritise travel benefits.
- People who prioritise flights.
- People whose normal usage can recover the annual fee through relevant benefits.
Key strengths
- 50 points per ₹150 on eligible bank-app hotel bookings.
- 1 reward point has ₹1 redemption value; annual fee waiver at ₹10 lakh eligible spend.
Trade-offs to understand
- 25 points per ₹150 on eligible bank-app flights; booking and reward limits apply.
- Up to 5 points per ₹150 on eligible domestic everyday purchases.
- 1 reward point has ₹1 redemption value; annual fee waiver at ₹10 lakh eligible spend.
CardIQ verdict
Shortlist it only if you can repeatedly use the premium benefits and comfortably recover the fee. Pay particular attention to this condition: 25 points per ₹150 on eligible bank-app flights; booking and reward limits apply.
Compare before deciding
- Axis Bank MAGNUS — A similarly priced alternative for comparing reward points and flights.
- Emirates Skywards ICICI Bank Emeralde — A lower-fee way to compare similar strengths in reward points and flights.
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Benefits, limits and conditions
- 25 points per ₹150 on eligible bank-app flights; booking and reward limits apply.
- Up to 5 points per ₹150 on eligible domestic everyday purchases.
- 1 reward point has ₹1 redemption value; annual fee waiver at ₹10 lakh eligible spend.