Key Features & Benefits
- ✦Up to 33% value back on travel bookings via IDFC FIRST App
- ✦Zero forex markup on all international transactions
- ✦Unlimited domestic and international airport lounge access
- ✦1 RP = ₹1 for travel bookings (vs ₹0.25 standard rate)
- ✦10X Reward Points on monthly spends above ₹30,000
- ✦Reward Points never expire
- ✦Trip cancellation cover up to ₹50,000
- ✦Visa privileges — Meet & Greet, concierge services
- ✦Golf privileges at premium courses
- ✦Premium metal card with distinct design
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Welcome & Joining Benefits
- ✦12,500 invitation Reward Points (1 RP = ₹1) — worth ₹12,500
- ✦Club ITC Culinaire membership on ₹15L spend in first 6 months
Milestone Benefits
- ✦₹15L in first 6 months → Club ITC Culinaire membership
Pros & Cons
✓ Advantages
- ✓Zero forex — great for frequent international travellers
- ✓33% on travel via app is exceptional — best travel return in IDFC portfolio
- ✓12,500 welcome points at ₹1/pt = full first-year fee recovery
- ✓Unlimited lounge access with no caps
- ✓Reward Points never expire
✗ Disadvantages
- ✗Invite-only — not publicly available
- ✗₹12,500 annual fee
- ✗No annual fee waiver option
Frequently Asked Questions
How is Gaj different from FIRST Private?
Gaj has a lower joining fee (₹12,500 vs ₹50,000) and is positioned one tier below FIRST Private. Both offer zero forex and unlimited lounge, but FIRST Private gives higher base rewards, Karma Points, and deeper private banking benefits.
What does 33% travel value back mean?
When booking hotels or flights via the IDFC FIRST App's Rewards Gallery using reward points, 1 RP = ₹1 on the Gaj card. Combined with 10X earning (10 RP per ₹150), the effective value back on travel is approximately 6.67% at standard, scaling much higher via the portal.
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