IDFC First Bank Unveils ‘Gaj: Invitation-only Metal Credit Card’
In December 2025, IDFC First Bank Limited launched ‘Gaj’, a premium metal credit card offered exclusively on an invitation-only basis, specifically designed to cater to High-Net-Worth Individuals (HNIs) with established relationships with the bank.
In December 2025, IDFC First Bank Limited launched ‘Gaj’, a premium metal credit card offered exclusively on an invitation-only basis, specifically designed to cater to High-Net-Worth Individuals (HNIs) with established relationships with the bank.
- It is the top tier of IDFC First Bank’s premium metal card series, called the Ashva–Mayura–Gaj trilogy.
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- What? Launch of Invitation-only premium metal credit card
- Name of Card: ‘Gaj’
- Launched by: IDFC First Bank Limited
- Available only for: HNIs
- Joining and Annual Fee: Rs 12,500 +GST
- Annual fee waived On: Annual Spends of Rs 10 lakh
- Key Features: Zero foreign exchange markup, interest-free global ATM withdrawals, airport lounge access.
About Gaj-Metal Premium Credit Card:
Design: This newly launched credit card, crafted on metal, features a twin-elephant motif. It is designed to be a silent ambassador of Indian excellence on the global platform.
Fees: The ‘Gaj’ metal credit card carries a joining fee and annual fee of Rs.12,500 with Goods and Services Tax (GST) each, with the annual fee waived on annual spends of Rs.10 lakh.
Key Benefits: Cardholders receive 12,500 Reward Points(RP) on joining (Rs.1 = 1 RP on travel), effectively offsetting the joining fee.
- The card offers zero foreign exchange markup, interest-free global Automated Teller Machine (ATM) cash withdrawals, accelerated rewards on hotel and flight bookings via the bank’s app, and travel perks including airport lounge access, trip cancellation cover up to Rs.50,000, and insurance benefits.
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