Delhi–NCR: IDFC FIRST Bank has unveiled its latest premium credit card, Gaj:, designed exclusively for its Private Banking customers. Crafted for high-net-worth individuals (HNIs), the card is strictly invitation-only and represents the most prestigious offering in the bank’s premium metal card series—the Ashva–Mayur–Gaj: trilogy.
Rooted deeply in Indian heritage, the name Gaj: is derived from Sanskrit, meaning elephant—a timeless symbol of strength, wisdom, stability, and royalty. In ancient Indian thought, the elephant was seen as the true marker of a king’s stature, embodying dignity, protection, and measured power rather than impulsiveness or excess. Drawing from this philosophy, Gaj: reflects understated luxury and enduring value.
In terms of design, the Gaj: credit card sets itself apart from conventional global aesthetics. Crafted entirely in metal, it features a signature twin-elephant motif inspired by Indian art and regal symbolism, presenting a refined statement of India’s cultural excellence on a global stage.
The Gaj: credit card is available only via invitation to select IDFC FIRST Bank Private Banking customers with strong and established banking relationships. The card carries a joining and annual fee of ₹12,500 plus GST. Customers receive 12,500 invitation reward points (1 RP = ₹1), which can be redeemed on the IDFC FIRST Bank app for travel bookings, effectively offsetting the joining fee. The annual fee is waived on spends of ₹10 lakh or more in a year.
Beyond its striking metal design, Gaj: offers zero foreign exchange markup, a simple and transparent 1:1 reward structure, and a host of premium travel and lifestyle privileges. Cardholders earn one reward point for every rupee spent, redeemable directly for flights and hotel bookings—one of the most straightforward value propositions in the super-premium card segment.
Designed for global travellers, the card provides 0% forex charges, complimentary access to international ATM cash withdrawals, and eliminates the need for carrying separate travel cards or foreign currency. It also includes full travel protection with a trip cancellation cover of up to ₹50,000.
Rewards are further accelerated through the IDFC FIRST Bank app, with up to 50X rewards on hotel bookings and 25X rewards on flight bookings, offering a total value-back of up to 33.33%. Additional benefits include complimentary domestic and international airport lounge access, along with entry for one guest, ensuring a seamless travel experience.
Commenting on the launch, Shirish Bhandari, Head – Credit Cards, FASTag and Loyalty, IDFC FIRST Bank, said, “The Gaj: Credit Card reflects our deep respect for India’s heritage and its timeless symbols of greatness. By combining inspiring Indian design with a comprehensive suite of benefits, we have endeavoured to create a truly complete offering. As the crown jewel of our Ashva–Mayur–Gaj: trilogy, Gaj: represents the strength, wisdom, and confidence of the modern Indian.”
With Gaj:, IDFC FIRST Bank reinforces its commitment to delivering thoughtfully designed, culturally rooted, and globally relevant premium financial products for India’s most discerning customers.
