4.1 from 389 Users
Enjoy 4 Complimentary Domestic & International Airport Lounge Access
per quarter complimentary railway lounge access, free trip cancellation cover up to ₹50,000 twice a year, and airport meet & greet
Enjoy Complimentary 3rd Night for Every 2 paid Nights at ITC Hotels and Elivaas Luxury Villas
50% off on 2nd night, exclusive benefits at 900+ premium hotels worldwide, curated dining at handpicked restaurants via Visa Infinite, and personalized concierge service
Dining
Travel
UPI
Joining Fees
₹14,750 ( ₹12500 + GST )
12,500 Reward Points worth up to ₹12,500 on payment of joining fees, Explore Gaj Credit Card, a premium metal credit card with exclusive travel benefits, unmatched reward points, airport lounge access, zero forex fees and premium lifestyle benefits. Apply now for a superior experience
Annual Fees
₹14,750 ( ₹12500 + GST )
The annual fee is waived if you spend ₹10 lakh or more in a year on your card, as per bank policy.
Age Criteria
21-60 years
Salary Criteria
3 LPA
Credit Rating*
720+
See if you are eligible for this card
Rewards Conversion Rate
1 Reward Points = ₹1
Redemption Options
To check redemption catalogue
All Benefits
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Fuel
EMI
Balance Transfer
Cash withdrawal transactions
For Spends Waiver
Fuel
EMI
Balance Transfer
Cash withdrawal transactions
| Structure | Details |
|---|---|
Forex Markups   0% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency | 0% |
APR Fees Finance charges of 0.71% to 3.85% per month (8.5% to 46.2% per annum) apply on unpaid outstanding balances until the amount is fully repaid | 3.85% |
ATM Withdrawl ₹199 + GST per transaction is charged on cash advances | ₹199 |
Reward Redemption Fees ₹99 redemption fee per redemption | ₹99 |
Link for all T&Cs | Click Here |
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets, levied only when total railway spends in a statement cycle exceed ₹25,000 | 1% |
Rent Payment Fees A surcharge fee of 1% of the transaction value (subject to a minimum of ₹249) applies | 1% |
Cheque Payment Fees A fee of 2% of the payment amount (subject to a minimum of ₹500) is levied for cheque return | 2% |
Cash Payment Fees No fee is charged on cash payment | Not Applicable |
| Late Payment Fees Late payment charges are 15% of the Total Amount Due from the previous statement, minus any payments received before the due date (minimum ₹100, maximum ₹1,300). | Amount Due |
|---|---|
| ₹0 - ₹100 | ₹0 |
| ₹500 | ₹100 |
| ₹5000 | ₹750 |
| ₹8000 | ₹1200 |
| ₹10,000 | ₹1300 |
| ₹10,000 & above | ₹1300 |
TOP USPs
Enjoy 4 Complimentary Domestic & International Airport Lounge Access
per quarter complimentary railway lounge access, free trip cancellation cover up to ₹50,000 twice a year, and airport meet & greet
Enjoy Complimentary 3rd Night for Every 2 paid Nights at ITC Hotels and Elivaas Luxury Villas
50% off on 2nd night, exclusive benefits at 900+ premium hotels worldwide, curated dining at handpicked restaurants via Visa Infinite, and personalized concierge service
Apply Now