IDFC FIRST Bank · Super-premium
Gaj
Where it ranks across all 187 cards
#6 Jewellery & watches
3.3%
direct
#6 Gaming
3.3%
direct
#8 Mobile / broadband
3.3%
direct
#9 Other
3.3%
direct
#10 Train tickets
3.3%
direct
#10 Health & pharmacy
3.3%
direct
#13 Dining out
3.3%
direct
#15 Hotels
3.3%
direct
portal reaches 33.0%
#15 Electronics
3.3%
direct
#16 Flights
3.3%
direct
portal reaches 16.5%
#17 Groceries
3.3%
direct
#20 Movies & events
3.3%
direct
#21 Online shopping
3.3%
direct
#22 Food delivery
3.3%
direct
#23 Fashion
3.3%
direct
#37 Wallet load
0.7%
direct
#52 Insurance
0.7%
direct
#53 Education
0.7%
direct
#61 Utility bills
0.7%
direct
#105 Cabs & transit
0.7%
direct
Get an email if this card changes - sign in.
Points valued at ₹1/pt - conservative, what rankings use
Reward rules3 direct
Base rate - everything not covered below
3.33%base rate
5 pts / ₹150
source
Source: IDFC FIRST Gaj Credit Card - idfcfirst.bank.in - read 30 Sep 2026
1 reward point per Rs 150 on Insurance, Utilities, Rent, Government, Wallet Load, Railways, FASTag and Education
0.67%this rule
1 pt / ₹150
source
Source: IDFC FIRST Gaj Credit Card - idfcfirst.bank.in - read 30 Sep 2026
3 pts / Rs 150 on international spends
2.00%this rule
3 pts / ₹150
source
Source: IDFC FIRST Gaj Credit Card - idfcfirst.bank.in - read 30 Sep 2026
Via portals & vouchersdisplay, never ranks
50 pts / Rs 150 on hotels via the IDFC FIRST app
via idfc app · 15,000 bonus points a month across hotels and flights
source & note
45 bonus points over the base 5; the cap applies to the bonus (modelled conservatively on the whole rate).
Source: IDFC FIRST Gaj: "50 reward points per rs150 spent on hotels via our mobile app"; bonus capped at 15,000 points per month - idfcfirst.bank.in - read 1 Oct 2026
33.3%
25 pts / Rs 150 on flights via the IDFC FIRST app
via idfc app · 15,000 bonus points a month across hotels and flights
source & note
20 bonus points over the base 5; shares the 15,000 bonus-point monthly cap with hotels.
Source: IDFC FIRST Gaj: "25 reward points per rs150 spent on flights via our mobile app" - idfcfirst.bank.in - read 1 Oct 2026
16.7%
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on1 exclusion
Fuel, EMI
earns nothing
No reward points on spends converted to EMI, cash withdrawal, fuel, fee/charges, loan on card, balance transfer, or transactions below Rs 150.
→ use IndianOil RBL XTra here (7.5%)
detail & source
categories: Fuel, EMI
Source: IDFC FIRST Gaj Credit Card - idfcfirst.bank.in - read 30 Sep 2026
Perks the card unlocks at these places, beyond its earn rate. They never change a ranking - check the bank page before you count on one.