IDFC FIRST Gaj Metal Credit Card
Fees
1st Year Fee: ₹12,500* Plus Applicable Taxes
Joining & annual
Reward Rate
33.33% value-back on travel spends (50 reward points per ₹150 spent on hotel bookings and 25 reward points per ₹150 spent on flight bookings via Travel & Shop); 3.33% value-back on regular spends (5 reward points per ₹150); 3 reward points per ₹150 spent internationally; 1 reward point per ₹150 spent on UPI, insurance, utilities, rent, government, wallet load, railways, Fastag, and education
Welcome Bonus
12,500 reward points (worth ₹12,500) upon payment of the joining or renewal fee; 25% off up to ₹5,000 on select 5-star hotel bookings via the IDFC FIRST mobile app on spending ₹1 Lakh within the first 60 days
Lounge
16/yr (Domestic + International)
Recent changes
Our Expert Take
IDFC FIRST Gaj Metal's headline number is a genuine standout: up to 33.33% value-back on travel bookings through the bank's Travel & Shop portal, plus 1:1 redemption value against flights and hotels. It also earns points on categories most travel cards exclude, like rent, utilities and insurance, which adds up if those are a big part of your spending.
Pros & Cons
Key Advantages
- Unmatched 33.33% value-back yield on travel bookings via Travel & Shop
- True 1:1 reward currency parity redemption ratio against flights and hotels
- Includes typically excluded routine categories (rent, utilities, insurance, UPI) for reward generation
- Absolute 0% cross-currency foreign exchange transaction markup penalty applied on international spends
- Trip cancellation insurance included at no extra cost
Limitations
- High upfront annual entry card fee barrier of ₹12,500
- Ongoing lounge benefits are limited to 16 complimentary domestic and international visits per year
- Reward redemptions against merchandise or vouchers carry a degraded parity ratio (4 points = ₹1)
Key Perks & Spending Milestones
50 reward points for every ₹150 spent on hotel bookings via Travel & Shop
25 reward points for every ₹150 spent on flight bookings via Travel & Shop
5 reward points for every ₹150 spent on other general standard retail purchases (3.33% value-back)
3 reward points for every ₹150 spent on international transactions
1 reward point for every ₹150 spent on insurance, utilities, rent, government, wallet load, railways, Fastag, and education
1 reward point for every ₹150 spent on UPI transactions via the companion digital RuPay card network option
True 1:1 reward currency parity redemption ratio on flight and hotel bookings via Travel & Shop (1 Reward Point = ₹1 value)
4 complimentary domestic airport lounge visits per quarter, including 1 free guest visit per quarter via Dream Folks
4 complimentary international airport lounge visits per quarter via the Dream Folks card infrastructure
4 complimentary domestic railway lounge visits per quarter
1 complimentary airport meet & greet service line per annum upon spending ₹91,000 on international PoS networks in a year
Flat 10% discount on global airport meet & greet concierge lines beyond the complimentary package
Dynamic discount privileges across airport transfer limousine services operating inside 3,000 global cities
Complimentary night stay on booking 2 consecutive nights at participating luxury ITC Hotels and Elivaas properties via Visa Infinite systems
Flat 50% discount on the second night of consecutive stays at ITC Hotels and Elivaas properties
Exclusive privileges (complimentary continental breakfast, VIP guest status, 3 PM late check-out) at 900+ luxury hotels worldwide
1 complimentary golf round every month upon spending ₹20,000 within that month
2 complimentary golf rounds every month upon spending ₹40,000 within that month
Exclusive premium dining benefits at high-end restaurants through Visa Infinite networks
24/7 dedicated personal concierge lifestyle service systems for dining, staycations, and flights
Complimentary built-in roadside assistance package protection worth ₹1,399
1% fuel surcharge exemption cover operating across all domestic petrol pumps (capped up to ₹300 saved per month)
Spend milestone
Annual maintenance renewal fee of ₹12,500 completely waived/reversed for the subsequent year upon reaching a cumulative ₹10,000,000 annual spend metric
Fees & Charges
Joining fee
1st Year Fee: ₹12,500* Plus Applicable Taxes
Annual fee
1st Year Fee: ₹12,500* Plus Applicable Taxes
Annual fee waived on reaching the milestone of ₹10 Lakh in annual spends
Interest rate
0.71% to 3.85% per month (8.5% to 46.2% per annum)
Insurance & Protection Benefits
air accident cover
Personal Air Accident protection shielding values up to ₹1 Crore
Eligibility Criteria
Credit score & income
Exclusive premium benchmark governed strictly by Invite-Only criteria
Frequently Asked Questions
What's the reward rate on IDFC FIRST Gaj Metal?
How many lounge visits does Gaj Metal offer?
Why is Gaj Metal's real value-back lower than the point multipliers suggest?
Compare IDFC FIRST Gaj Metal Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| IDFC FIRST Gaj Metal Credit Card This Card | 1st Year Fee: ₹12,500* Plus Applicable Taxes | 33.33% value-back on travel spends (50 reward points per ₹150... | 16/yr (Domestic + International) | 3.5/5 |
| HDFC Infinia Credit Card Metal Edition | ₹12,500 + Taxes | 5 reward points per ₹150; up to 10X on SmartBuy flight/hotel bookings | Unlimited Domestic + International | 4.9/5 |
| Axis Bank ATLAS Credit Card | ₹5,000 + Taxes | 5 EDGE Miles per ₹100 on travel; 2 EDGE Miles per ₹100 on general spends | 8 Domestic + 4 International/yr | 4.8/5 |
| Axis Bank Burgundy Private Credit Card | ₹50,000 + Taxes | 15 EDGE Reward points per ₹200 spent on retail and international... | Unlimited Domestic + International | 4.8/5 |