5 RP per ₹150 on domestic spends; 3 RP per ₹150 on international spends; 1 RP per ₹150 on Insurance, Utilities, Rent, Government, Wallet Load, Railways, FASTag and Education spends
Bonus rewards on hotels/flights via IDFC FIRST Bank Mobile App (50 RP/₹150 on hotels, 25 RP/₹150 on flights)
Complimentary domestic & international airport lounge access, railway lounge access
Complimentary lifetime-free FIRST Digital Rupay Credit Card for UPI (earns 1 RP per ₹150 on UPI spends)
Fees
Joining Fee12,500 Reward Points worth up to ₹12,500 on payment of joining fees, Explore Gaj Credit Card, a premium metal credit card with exclusive travel benefits, unmatched reward points, airport lounge access, zero forex fees and premium lifestyle benefits. Apply now for a superior experience
₹14,750
₹12,500 + GST
Annual FeeThe annual fee is waived if you spend ₹10 lakh or more in a year on your card, as per bank policy.
₹14,750
₹12,500 + GST
Eligibility
Age
21-60 years
Salary
₹25K / Month
Credit Score
720+
Bank Fee Structure
Forex Markup0% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency
0%
Finance Charges (APR)Finance charges of 0.71% to 3.85% per month (8.5% to 46.2% per annum) apply on unpaid outstanding balances until the amount is fully repaid
3.85%
ATM Withdrawal₹199 + GST per transaction is charged on cash advances
₹199
Reward Redemption₹99 redemption fee per redemption
₹99
Railway SurchargeA surcharge of 1% is applied to transactions made for booking railway tickets, levied only when total railway spends in a statement cycle exceed ₹25,000
1%
Rent PaymentA surcharge fee of 1% of the transaction value (subject to a minimum of ₹249) applies
1%
Cheque PaymentA fee of 2% of the payment amount (subject to a minimum of ₹500) is levied for cheque return
2%
Cash PaymentNo fee is charged on cash payment
Not Applicable
Late Payment Charges
Amount due
Fee
₹0 - ₹100
₹0
₹500
₹100
₹5000
₹750
₹8000
₹1200
₹10,000
₹1300
₹10,000 & above
₹1300
Late payment charges are 15% of the Total Amount Due from the previous statement, minus any payments received before the due date (minimum ₹100, maximum ₹1,300).
The bank may offer a different card variant based on your eligibility; please carefully review the features and benefits of the card offered before submitting your application
A minimum transaction of ₹100 within 30 days of card issuance is required to activate the card, failing which you will not be eligible for rewards
