Gaj IDFC FIRST Bank
pending reviewLive since 29 Dec 2025 — invite-only
- What we know
- Invite-only metal flagship for IDFC FIRST Private Banking clients. ₹12,500 + GST joining and annual fee, offset by 12,500 reward points (1 RP = ₹1 on in-app travel), 0% forex markup, 1:1 earn rate.
- Why it matters
- IDFC chasing the Infinia/Reserve HNI segment right as those incumbents cut benefits. Invite-only cards sit awkwardly in a ranking you can act on, so Gaj only graduates if readers can realistically get it. It's on the bench, not in the game.