IDFC FIRST Bank Gaj (Metal) credit card review: fees, rewards and eligibility
The IDFC FIRST Bank Gaj (Metal) has a recorded annual fee of ₹12,500 and a base earn of 5 RP/₹150 on eligible spends. CardMasters checked its issuer terms on 2026-07-16. Affiliate commission never changes ranking; confirm final terms and approval with IDFC FIRST Bank.
IDFC FIRST Bank Gaj (Metal): short answer
The IDFC FIRST Bank Gaj (Metal) is in the super-premium tier of IDFC FIRST Bank credit cards, with a joining fee of ₹12,500, an annual fee of ₹12,500, a base earn of 5 RP/₹150 on eligible spends and a 0% forex markup. Rewards are not earned on fuel, emi, fees, loan, balance transfer. It suits travel, premium, forex free spending; whether it beats a card you already hold depends on your own spend mix and redemption choices.
Source: CardMasters issuer-evidence catalogue, release 2026-07-16. Confirm final terms with the issuer.
Reward structure
5 RP/₹150 on eligible spends
- 33.3333 points per ₹100 on hotels via IDFC FIRST app (15,000 points monthly cap) — 50 RP/₹150 total earn; shared monthly bonus cap applies
- 16.6667 points per ₹100 on flights via IDFC FIRST app (15,000 points monthly cap) — 25 RP/₹150 total earn; shared monthly bonus cap applies
Eligibility and important limits
published monthly income floor ₹2,00,000 Approval remains solely at the issuer’s discretion.
Does not earn: fuel, emi, fees, loan, balance transfer, cash withdrawal.
Important limit: Insurance, utilities, rent, government, wallet load, railways, FASTag and education earn only 1 RP/₹150.
Frequently asked questions
What is the annual fee for the IDFC FIRST Bank Gaj (Metal)?
The published annual fee in our current record is ₹12,500.
How do rewards work on the IDFC FIRST Bank Gaj (Metal)?
5 RP/₹150 on eligible spends. Accelerated routes include 33.3333 points per ₹100 on hotels via IDFC FIRST app (15,000 points monthly cap); 16.6667 points per ₹100 on flights via IDFC FIRST app (15,000 points monthly cap). Reward value depends on the eligible transaction route and redemption method.
Which transactions do not earn rewards on the IDFC FIRST Bank Gaj (Metal)?
The current issuer-sourced exclusions recorded by CardMasters include fuel, emi, fees, loan, balance transfer, cash withdrawal. Merchant category coding and issuer terms determine final eligibility.
Who should consider the IDFC FIRST Bank Gaj (Metal)?
It is most relevant for people focused on travel, premium, forex free. Whether it improves your wallet still depends on your actual spending, existing cards, fees and redemption choices.
Is the IDFC FIRST Bank Gaj (Metal) worth it?
It is worth holding only when the rewards and benefits you will genuinely use exceed ₹12,500 each year. Value the rewards at a realistic redemption rate, not the issuer's best-case example.
What is the eligibility for the IDFC FIRST Bank Gaj (Metal)?
The published monthly income floor is ₹2,00,000. Approval, credit limit and final pricing are decided solely by the issuer.
What is the forex markup on the IDFC FIRST Bank Gaj (Metal)?
The recorded foreign-currency markup is 0% before GST. On ₹1,00,000 of international spend that is about ₹0 in markup, so compare it against any rewards earned on overseas transactions.
Does the IDFC FIRST Bank Gaj (Metal) offer airport lounge access?
Domestic lounge access: 4 visits/quarter. International lounge access: 4 visits/quarter. Spend conditions and guest charges are set by the issuer and can change.