How it worksSecurityAbout
Get my audit
Cards · IDFC FIRST Bank

Gaj: Credit Card: rewards, caps and exclusions

The Gaj: Credit Card pays about 8.33% on Hotel bookings via Travel & Shop / FIRST Rewards Gallery in the IDFC FIRST Bank app, on the first ₹45,000 of spend a month, and 0.83% on everything else. Below is every rate, cap and exclusion in IDFC FIRST Bank's published terms, as we last checked them on 9 October 2026.

Visa, RuPay₹12,500 a yearPaid in points

What it earns

≈8.33%Hotel bookings via Travel & Shop / FIRST Rewards Gallery in the IDFC FIRST Bank appon the first ₹45,000 of spend a month
≈4.17%Flight bookings via Travel & Shop / FIRST Rewards Gallery in the IDFC FIRST Bank appon the first ₹90,000 of spend a month
≈0.5%International transactionsno cap stated
≈0.17%Bills, Rent, Education, Transportno cap stated
≈0.83%Everything elseno cap stated

≈ marks a rate paid in points, valued at ₹0.25 a point. That is Zenidhi's conservative valuation, the same one the audit uses: the cheap end of what the points can be redeemed for, never the best transfer. Redeemed well, they can be worth more.

What earns nothing

Spend in these categories earns no rewards on this card, however it is paid for:

  • Fuel
  • EMI conversions
  • Cash withdrawals and fees

What costs extra

Worse than earning nothing: IDFC FIRST Bank charges a fee for these.

  • 1% on Rent and Property Management Fee, at least ₹249, plus GST
  • 1% on Fair usage on Utility Spends, plus GST
  • 1% on Fuel Fee, plus GST
  • 1% on Passenger Railways Transaction Fee, plus GST
  • 1% on Tolls and Bridges Transaction Fee, plus GST
  • 1% on Education Payment Fee (third-party apps), at least ₹249, plus GST

Fees

  • Annual fee: ₹12,500, plus 18% GST
  • Joining fee: ₹12,500
  • Annual fee waived on ₹10,00,000 of spend in a card year

Welcome benefit: 12,500 RP on payment of the joining fee + 25% off up to ₹5,000 on a select 5-star hotel booking via the app (on ₹1L spend in 60 days) on paying the joining fee.

Where this comes from

Transcribed from IDFC FIRST Bank's own documents and checked against them on 9 October 2026:

Banks change these terms, sometimes with a month's notice. If a figure here disagrees with IDFC FIRST Bank's current document, the bank's document is right. Tell us at support@zenidhi.com and we'll fix the rule, here and in the app.

Hold this card?

Zenidhi reads your IDFC FIRST Bank statements and transaction alerts in Gmail, replays every swipe against the rules on this page, and shows you what you missed, and which card in your wallet to use next time. Get my audit · How the audit works

Other IDFC FIRST Bank cards

Ashva Credit Card

≈6.67% on Hotel bookings via idfc first mobile app

FIRST Power Credit Card (HPCL IDFC FIRST Bank)

≈3.5% on HPCL fuel: HPCL authorized fuel stations, HP Pay wallet upload, Pay by QR in HP Pay app

FIRST Power+ Credit Card (HPCL IDFC FIRST Bank)

≈5% on HPCL fuel: HPCL authorized fuel stations, HP Pay wallet upload, Pay by QR in HP Pay app

Hello Cashback Credit Card

1% on Rent, Bills, Education, Transport, Shopping

IDFC FIRST Classic Credit Card

≈1.25% on International purchases, Food, Transport, Spends done on your birthday

IDFC FIRST Millennia Credit Card

≈1.25% on International purchases, Food, Transport, Spends done on your birthday

IDFC FIRST Select Credit Card

≈1.25% on International purchases, Food, Transport, Spends done on your birthday

IDFC FIRST Wealth Credit Card

≈6.25% on Hotel bookings via Travel & Shop / FIRST Rewards Gallery in the IDFC FIRST Bank app

LIC IDFC FIRST Select Credit Card

≈2% on LIC insurance premium paid on licindia.in

Mayura Credit Card

≈6.67% on Hotel bookings via Travel & Shop / FIRST Rewards Gallery in the IDFC FIRST Bank app

Quantum+ Credit Card

0.5% on Rent, Bills, Shopping

Every card we have rules for