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IDFC First Gaj vs Union Bank Nexteria (RuPay Ekaa)

Compare IDFC First Gaj vs Union Bank Nexteria (RuPay Ekaa) across fees, rewards, cashback, lounge access, and eligibility to shortlist the best fit.

Comparison cockpit

Futuristic side-by-side card intelligence

IDFC First Gaj leads on reward rate, while Union Bank Nexteria (RuPay Ekaa) has the lowest annual fee.

Card 1

IDFC First Gaj

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.10.0

Card 2

Union Bank Nexteria (RuPay Ekaa)

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.10.0
IDFC First Gaj - IDFC credit card
Premium stack10.0

idfc / VISA

IDFC First Gaj

Annual

₹12,500

Return

5%

Lounges

Unlimited

Forex

0%

Card summary
  • IDFC First Gaj leans travel and lifestyle with ₹12,500 annual fee, 5% headline return potential, and Unlimited lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹12,500 annual fee.
  • 5% reward rate can outperform flat cashback for loyal users.
  • Unlimited lounge access adds travel utility.
Cons
  • Low forex markup matters mainly if you travel internationally.
  • Higher ₹50,00,000 income expectation narrows eligibility.
  • Travel value depends on actually using lounge and trip perks.
Best for

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.

Value profile

Best when annual benefits are actively redeemed.

Full card details
Union Bank Nexteria RuPay Ekaa
Premium stack10.0

union / RUPAY

Union Bank Nexteria (RuPay Ekaa)

Annual

₹12,499

Return

1%

Lounges

Unlimited

Forex

3.5%

Card summary
  • Union Bank Nexteria (RuPay Ekaa) leans travel and lifestyle with ₹12,499 annual fee, 1% headline return potential, and Unlimited lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹12,499 annual fee.
  • 1% cashback keeps value easy to understand.
  • Unlimited lounge access adds travel utility.
Cons
  • 3.5% forex markup can reduce overseas value.
  • Higher ₹25,00,000 income expectation narrows eligibility.
  • Travel value depends on actually using lounge and trip perks.
Best for

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.

Value profile

Best when annual benefits are actively redeemed.

Full card details
Metric
IDFC First Gaj
Union Bank Nexteria (RuPay Ekaa)
Fees
Annual fee
₹12,500
₹12,499
Joining fee
₹12,500
₹12,499
Rewards
Cashback rate
1%
1%
Reward rate
5%
1%
Travel
Forex markup
0%
3.5%
Domestic lounges
Unlimited
Unlimited
International lounges
Unlimited
Unlimited
Benefits
Fuel waiver
No
No
Dining
Yes
Yes
Movies
Yes
Yes
Eligibility
Minimum income
₹50,00,000
₹25,00,000

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