How to Apply for the IDFC FIRST Select Credit Card in 2026
Apply for the IDFC FIRST Select Credit Card with 5X reward points on every spend. Income thresholds, eligibility, and full application walkthrough.
Jay Dodiya
The IDFC FIRST Select Credit Card is a lifetime-free premium card with 5X reward points on every spend (no category restriction), 3X on EMI purchases, 1% fuel surcharge waiver, 4 free ATM cash withdrawals per month, and railway surcharge waiver on IRCTC bookings. The card is targeted at high spenders who want a no-fee card with premium benefits.
Why this matters
IDFC FIRST Select is the highest-reward lifetime-free card in India. The 5X on all categories with no restriction is unmatched in the no-fee segment. If you spend ₹50,000/month, the 5X gives you 2,500 points/month, redeemable for ₹2,500 in cashback. The 4 free ATM withdrawals and railway surcharge waiver are unique secondary benefits.
Related cards
Related card
IDFC First Select
How to Apply for the IDFC FIRST Select Credit Card in 2026
Common mistakes to avoid
The 5X is uncapped but excluded from fuel and cash advances. The 4 free ATM withdrawals are subject to a limit of ₹10,000 per withdrawal. The railway surcharge waiver is only on IRCTC direct bookings, not on third-party apps.
Pro tips
- Use Select as your default card for all retail spends to maximise 5X
- Use the card on IRCTC to save the 1.8% transaction fee
- Track the 4 free ATM withdrawals per month
- Pair with IDFC FIRST Wealth for premium benefits
Written by
Jay Dodiya
Editorial disclosure
Our editorial team provides independent, unbiased information about credit cards. We may receive compensation from partner links, but this does not influence our reviews or recommendations.