IDFC FIRST Gaj Metal Credit Card

To apply for IDFC FIRST Gaj Credit Card, you need to meet the bank’s income and age requirements. Typically, applicants should be at least 25 years old with a stable source of income. Since it’s an invite-only premium card, eligibility may also depend on your banking relationship and credit history.

Yes, you can earn reward points on UPI transactions made using IDFC FIRST Gaj Credit Card. This card comes with a complimentary Digital FIRST RuPay Credit Card, allowing you to earn 1 reward point for every Rs. 150 spent on UPI.

The credit limit on IDFC FIRST Gaj Credit Card is personalized and varies based on your income, credit score, and banking relationship with IDFC FIRST Bank. Premium cardholders usually receive a higher limit compared to standard credit cards.

Upon renewal, IDFC FIRST Gaj Credit Card offers either 12,500 reward points worth Rs. 12,500 on payment of the annual fee, or an annual fee waiver on spending Rs. 10 Lakh in a year.

IDFC FIRST Gaj Credit Card comes with zero forex markup fee, making it a suitable option for international spends.

Yes, you can use IDFC FIRST Gaj Credit Card to withdraw cash at ATMs, but it’s considered a cash advance. Cash withdrawals attract interest from the day of the transaction and may also incur additional fees, so it’s advisable to use this feature only in emergencies.