IDFC FIRST Bank has unveiled its latest premium offering with the launch of the 'Gaj' credit card, an invitation-only metal credit card exclusively available to select private banking customers. This new addition represents the culmination of the bank's premium metal credit card series, following the successful introduction of its Ashva and Mayura editions.

Card Features and Pricing Structure

The 'Gaj' credit card targets high-net-worth individuals who maintain established relationships with the bank. The card's pricing and fee structure reflects its premium positioning:

International Transaction Benefits

The card offers significant advantages for international users, particularly frequent travelers and those conducting overseas transactions. Key international benefits include:

• Zero foreign exchange markup on all international transactions
• Interest-free ATM cash access globally (subject to a flat fee per withdrawal)

Rewards and Digital Integration

The 'Gaj' credit card provides reward points on both domestic and international spending. The bank has enhanced the rewards experience by offering accelerated rewards specifically for bookings made through the IDFC FIRST Bank mobile application, encouraging digital engagement and platform loyalty.

Travel and Lifestyle Privileges

The card comes with comprehensive travel and lifestyle benefits designed for affluent customers:

• Airport lounge access
• Trip cancellation coverage up to ₹50,000
• Golf privileges
• Exclusive hotel offers and partnerships
• Travel insurance
• Purchase insurance

Strategic Positioning

Shirish Bhandari, Head of Credit Cards, FASTag & Loyalty at IDFC FIRST Bank, emphasized that the card "combines feature depth with an Indian-inspired design" and represents the final stage of the bank's Ashva–Mayura–Gaj trilogy. This strategic approach demonstrates the bank's commitment to serving different segments within the premium banking market through specialized product offerings.

The 'Gaj' credit card maintains its exclusivity as a premium offering designed specifically for private banking clients and remains unavailable for general public issuance, reinforcing its positioning as an elite financial product.

IDFC First Bank has announced a board meeting scheduled for January 31, 2026, to review and approve its financial performance for the third quarter of fiscal year 2026. The meeting represents a key milestone in the bank's quarterly reporting cycle as it prepares to disclose its financial results to stakeholders.

Board Meeting Details

The Board of Directors will convene on Saturday, January 31, 2026, with a comprehensive agenda focused on financial performance review. The primary objective involves consideration and approval of both standalone and consolidated financial results covering specific reporting periods.

Financial Results Coverage

The board will evaluate the bank's performance across two distinct timeframes during the meeting. The financial results encompass both quarterly and nine-month performance metrics, providing stakeholders with comprehensive insights into the bank's operational and financial health.

The unaudited financial statements will cover:

• Quarter ended December 31, 2025
• Nine months ended December 31, 2025
• Both standalone and consolidated results

Trading Window Restrictions

IDFC First Bank has implemented mandatory trading window closure in accordance with insider trading regulations. The restriction affects designated persons and their immediate relatives, ensuring compliance with securities regulations during the sensitive period surrounding financial results disclosure.

Regulatory Compliance

The announcement adheres to Securities and Exchange Board of India regulations, specifically Regulation 29 and 50 of the SEBI Listing Regulations, 2015. The bank has also implemented its Code of Conduct for Prohibition of Insider Trading, formulated under SEBI Prohibition of Insider Trading Regulations, 2015.

The financial results will undergo limited review by the bank's joint statutory auditors before final approval and public disclosure. This process ensures accuracy and compliance with accounting standards and regulatory requirements, providing stakeholders with reliable financial information for informed decision-making.