Credit Card Compare

Gaj: Credit Card

Data last updated 25 October 2026
43.80%
Purchase rate
₹12,500
Annual fee
45 days
Interest-free

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Application

CardIQ

60Good

Good

Overall score, out of 100 · How this works

  • Rewards60
  • Sign-up bonus45
  • Travel74

Customer reviews

No reviews yet. Be the first to review the Gaj: Credit Card.

Pros & cons

What's good

  • The 43.8% p.a. purchase rate is among the lowest ongoing purchase rates (the median card charges 45% p.a.).

Worth noting

  • Joining fee ₹12,500 + GST in year 1 (non-refundable, required for dispatch). Annual fee ₹12,500 + GST from year 2, waived on ₹10,00,000 annual spends. GST not included in stated amounts. Add-on card joining fee ₹4,000 + GST; add-on annual fee ₹2,000 + GST. The ₹12,500 annual fee is still toward the top of the market (the median is ₹749).
  • No balance transfer or introductory purchase offer.
  • Up to 45 interest-free days on purchases (below the 50-day median).

Card details

The basics

Additional cardholder fee
₹2,000 p.a.
Card tier
Black
Card type
Not published
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
IDFC FIRST Bank Reward Points

Eligibility

Instant approval
Not published
Joint application
Not published
Minimum age
Not published
Minimum income
Not specified
Residency
India
Temporary residents
Not published

Rates & fees

Ongoing interest rates

Cash advances
43.80% p.a.
Purchases
43.80% p.a.

Fees

Additional cardholder fee
₹2,000
Annual fee
₹12,500 p.a.
Annual fee (year 2+)
₹12,500 p.a.
Cash advance fee
—
Foreign transaction fee
0%
Late payment fee
₹1,300
Over limit fee
₹550

Repayments

Interest-free period
Up to 45 days on purchases
Minimum repayment
MAD is computed as the sum of EMI + Interest (Finance charges) + Fees, Other charges & taxes + amount utilised over the limit (if any) + 2% of the Principal balance outstanding

Balance transfers

This card has no promotional balance transfer offer.

Introductory purchase offer

This card has no introductory purchase rate offer.

Rewards

Earn rate

Everyday spend
None
Bonus categories
50 reward points per ₹150 in bonus categories
Other purchases
None
Overseas spend
None
Reduced rate above monthly cap
None
Points cap
Uncapped
Points expiry
—

Sign-up bonus

Bonus spend required
—
Sign-up bonus
—

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Overseas feeNo feeTied for best (1st of 91 cards)
Purchase rate43.80%Top 25% (11th of 91 cards)
Interest-free days45 daysNot as good as most cards (61st of 73 cards)
Annual fee₹12,500 a yearAmong the most expensive (86th of 91 cards)

Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Questions and answers

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Sources

Credit Card Compare
Australian credit card statisticsHow CardIQ scores cards
Issuer
IDFC FIRST Bank