Question 1

What is the annual fee for the Gaj Credit Card?

Accepted Answer

The Gaj Credit Card is a lifetime free credit card with no annual fee or joining fee.

Question 2

What rewards does the Gaj Credit Card offer?

Accepted Answer

The Gaj Credit Card offers 1% cashback as the base reward rate. Plus accelerated rates on specific merchants/categories: 50 RP/₹150 on hotel bookings via app (≈33.33% value-back); 25 RP/₹150 on flight bookings via app (≈16.67% value-back); 3 RP/₹150 on international transactions. All rates verified from IDFC FIRST Bank's official documents.

Question 3

Is the Gaj Credit Card worth it?

Accepted Answer

It depends on your spending pattern. The Gaj Credit Card is best for users who want a lifetime free (no annual fee) card with 1% cashback. Use the Reward Calculator on this page to estimate your annual earnings.

Question 4

How do I apply for the Gaj Credit Card?

Accepted Answer

You can apply for the Gaj Credit Card directly through IDFC FIRST Bank's official website. Click "Apply Now" on this page — Ri8Lane redirects you to the bank's secure application form. We never collect your card application details.

Question 5

When was the Gaj Credit Card data last verified?

Accepted Answer

Ri8Lane verified all reward rates, fees, and benefits for the Gaj Credit Card on 2026-05-26, directly from IDFC FIRST Bank's official website and product documents. We re-check every card monthly.

Gaj Credit Card

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