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Metal Credit Cards

Metal credit cards are gaining popularity in recent times, given their premium design, look, and feel. A lot of credit card issuers are now shifting from plastic credit cards to metal credit cards to attract more customers. These cards were initially introduced two decades ago by a premium credit card provider for high-end users. However, these credit cards are now available to all. Read on to know more about the best metal credit cards in India. 

Updated On - 06 Sep 2025
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Best Metal Credit Cards in India 2025

The best metal credit cards available in India are mentioned below -

Card Name

Fees

Features

OneCard

  1. No joining fees
  2. No annual fees
  3. No reward redemption fees
  1. Designed in a 16-gram metal credit card which can be controlled by the OneCard mobile application 
  2. Offers 5X reward points on top two spend categories
  3. Purchases can be converted to easy EMIs 
  4. Ensures seamless onboarding and activation in five minutes
  5. Never expiring reward points 
  6. Get 100% fuel surcharge waiver up to Rs.400 

IDFC First Private Credit Card

  1. Commencement fee (First year): Rs.50,000 + GST
  1. Annual Recurring fee (Second year onwards): Rs.50,000 + GST
  1. Get the Taj Experience Signature Dining Voucher on crossing Rs. 15 lakh spending limits within the first 6 months. 
  1. Forex markup is 0% 
  1. 0% interest on cash withdrawal around the world 
  1. Club ITC Culinaire Select Membership 
  1. Accor Plus Explorer Membership 
  1. Unlimited domestic and international lounge access 
  1. Unlimited railway lounge access 
  1. Cover up to Rs.50,000 on trip cancellation twice a year on flight and hotel bookings. 
  1. Travel and air accident insurance cover up to Rs. 1 crores 
  1. Never expiring 10x reward points 
  1. Club ITC Culinaire Select Membership 
  1. Accor Plus Explorer Membership 
  1. Complimentary 3rd night stay on booking 2 consecutive stays at select luxury hotels (e.g., ITC Hotels, Elivaas) 

Zenith+ Metal Credit Card

Annual Membership fee: Rs.4,999 + applicable taxes

  1. Reward points on various categories, such as travel, dining, international spends
  2. Offers complimentary Taj Epicure Membership
  3. Offers various travel benefits
  4. Offers fuel surcharge waiver
  5. Offers card renewal benefits
  6. Comprehensive protection cover
  1. Low forex markup fee  
  1. Complimentary BookMyShow tickets 
  1. Complimentary golf rounds or lessons 

Axis Bank Burgundy Private Credit Card

Annual fees: Nil

  1. For every Rs. 200 spent on your card, 15 EDGE REWARD points are offered
  2. Offers flexibility to increase credit limit
  3. No forex markup charges
  4. No interest or charges imposed on cash withdrawals
  5. Complimentary EazyDiner Prime membership
  6. Complimentary 50 golf rounds per year
  7. Offers on movie tickets
  8. Unlimited lounge access
  9. Complimentary hotel and dining memberships
  10. Travel insurance for loss or delay in baggage 
  11. During international travel, offers global travel and medical assistance
  12. Diagnoses at leading medical institutions Concessions on health and wellness coaching at Weljii

Kotak White Reserve Credit Card

Joining and Annual fees: Rs.12,500

  1. Enables users to earn White Pass value of up to Rs.2.50 lakh annually
  2. Offers gift voucher on premium brands, flights, hotels, etc.
  3. Offers Club Marriott membership including discounts on personal care, luxury stay, fine dining, etc.
  4. Offers complimentary lounge access
  5. Charges 2.00% forex markup charges on international spends
  6. Offers free golf rounds two per month
  7. 1% fuel surcharge waived off 

HSBC Premier Mastercard Credit Card

Zero annual and joining fees

  1. Offers reward points that do not expire
  2. Earn 3 reward points for every Rs.100 spent 
  3. Offers 26 complimentary airport lounge visit
  4. Foreign markup fees of 0.99%
  5. Get buy one get one offer on movie tickets 
  6. Ensures online fraud protection and lost card liability
  7. Provides five complimentary golf games per year
  8. Taj experience gift card worth Rs.12,000 
  9. Reward points for airline miles can be redeemed from InterMiles, British Airways & Etihad Airways and Club Vistara points
  10. Provides access to 850 airport lounge access in India and overseas

DBS Vantage Card

  1. DBS non-Treasures customers:
    1. Joining fees: Rs.50,000 for first year
    2. Annual fees: Rs.50,000 from second year onwards
  1. DBS Elite customers:
    1. Joining and annual fees: Rs.10,000
  1. DBS Treasures customers:
    1. Joining and Annual fees: Rs.20,000
  1. Offers luxury hotel memberships
  2. Milestone rewards
  3. Offers duty-free deals
  4. Provides zero forex markup fees on transactions in Singapore and 1.75% elsewhere
  5. Unlimited airport lounge access
  6. Get 10% cashback up to Rs.1,500 on shopping at domestic and international duty-free stores

YES Bank BYOC Credit Card

  1. Eco-Friendly Card Fee: Rs.249 + taxes
  2. Metal Card Fee: Rs.3,499 + taxes
  1. Complimentary ET membership on first anniversary 
  2. Offers cashback of 10% on selected merchants
  3. Flexibility in choosing card materials
  4. Offers complimentary domestic airport lounge access
  1. Get Amazon voucher worth Rs.500 on transactions worth Rs.1000 within first 30 days 
  1. Get four reward plans to choose from as per your needs 

IndusInd Bank Avios Visa Infinite Credit Card

  1. Joining fees: Rs.40,000
  2. Annual fees: Rs.10,000
  1. Earn 20,000 Avios as welcome benefits 
  2. Complimentary Gold membership tier with Qatar Airways Privilege Club
  3. 18,000 bonus Avios after first spends of Rs.8 lakh in a year
  4. Renewal of Gold membership tier
  5. Get two complimentary meet and greet services at international airport 

IndusInd PIONEER HERITAGE Metal Credit Card

  1. Joining fee: Rs.90,000
  2. Annual fee: Rs.25,000
  1. Low foreign currency marks up of 1.80%
  2. Free cash withdrawal or advancement facility
  3. No over limit fees
  4. No late payment fees
  1. No cash advance fee  
  1. No withdrawal fee 

INFINIA Metal Credit Card

Joining or Renewal Membership Fee - Rs.12,500 + Applicable Taxes

  1. Global Personal Concierge
  2. For both Primary and Add-on member, the card offers unlimited airport lounge access across the globe
  3. Complimentary nights & buffet at participating ITC hotels
  4. For every Rs.150 spent, customers will earn five reward points
  5. Complimentary Club Marriott membership for first year
  6. Waiver on membership fee on spending Rs.10 lakh or more in the previous financial year. 

SBI Aurum Credit Card

Joining and renewal Fee: Rs.9,999 + GST

  1. A welcome bonus of 40,000 AURUM Reward Points (valued at Rs.10,000) will be credited upon successful payment of the joining fee. 
  2. Dedicated credit card service
  3. Unlimited international airport lounge access
  4. Four complimentary domestic airport lounge access per quarter
  5. Dining and movie benefits
  6. Welcome benefits, travel and milestone benefits
  1. Low forex markup fee of 1.99% on onshore transactions 
  1. Get up to four complimentary BookMyShow movie tickets worth Rs.1,000 every month 

IDFC First Bank Ashva Credit Card

  1. Joining Fee: Rs.2,999 plus GST
  1. Annual Fee: Rs.2,999 plus GST
  1. Get 2,500 bonus points as inaugural benefit 
  2. 1% Markup fee
  1. Earn 5x reward points on spendings up to Rs.20,000 and 10x rewards points on spendings above Rs.20,000 
  1. Get Rs.500 cashback on every transaction over Rs.500, up to four times, for the first 60 days after your virtual card is generated. 
  1. With 'Cancel for Any Reason' cover, you can get reimbursed up to Rs.25,000, twice a year, for the non-refundable portion of cancelled flight and hotel bookings. 
  1. Four complimentary domestic airport lounge access per quarter
  2. Two complimentary international airport lounge access per quarter
  3. Dining benefits
  4. Fuel surcharge waiver

IDFC First Bank Mayura Credit Card

  1. Joining Fee: Rs.5,999 plus GST
  2. Annual Fee: Rs.5,999 plus GST
  1. No markup fee
  2. Four complimentary domestic airport lounge access per quarter
  3. Four complimentary international airport lounge access per quarter
  4. Dining benefits
  5. Fuel surcharge waiver
  6. Golfing benefits
  1. Free trip cancellations up Rs.50,000 on hotel and flight booking in a year 
  1. Four complimentary railway lounge access in a quarter 
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Difference Between Plastic and Metal Credit Cards

The following is list of differences between Plastic and Metal cards:

Parameters

Plastic Credit Cards

Metal Credit Cards

Appearance and design

  1. Made from durable PVC or other synthetic materials
  2. Offer flexibility in terms of design and customisation
  3. Feature detailed graphics, vibrant colours, and personalised information
  1. Made from stainless steel or a combination of metal alloys
  2. Feature a sleek and glossy finish
  3. Features intricate patterns and logos or cardholder’s details

Durability and longevity

  1. Not as resilient as their metal cards
  2. Offers adequate durability
  3. Can withstand typical wear and tear
  4. May be more prone to scratches and fading
  5. Card protectors or sleeves can be opted for to preserve the card’s condition
  1. Resistant to physical damage, such as bending or breaking
  2. Can withstand everyday use and remain intact due to robust metal
  3. Enhanced longevity

Benefits

  1. Caters to a broader customer base by offering various benefits
  2. Provide rewards such as:
    1. Cashback, travel miles
    2. Discounts on purchases
    3. Access to merchant offers
    4. Extended warranty protection
  3. More widely accepted than metal cards
  1. Offer remarkable rewards on making significant expenditures
  2. Also offers:
    1. Exclusive reward programs
    2. Higher cashback rates
    3. Complimentary airport lounge access
    4. Concierge services
    5. Dedicated customer support

Weight

  1. Lightweight and easy to handle
  2. Reduces the chances of fracturing or cracking due to its flexibility
  3. Remains functional for extended period
  1. Metal cards are heavier than plastic cards
  2. Provide a sense of luxury due to its weight

Drawbacks

  1. More susceptible to damage from bending or exposure to extreme heat
  2. May lack the perceived exclusivity
  1. Higher annual fees
  2. Can be problem in case of contactless payment functionality due to its metallic construction
  3. May cause portability issue
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How to Get a Metal Credit Card in India?

The following are the steps to obtain metal credit card in India:

  1. Income range: The income range to get metal cards is Rs.25 lakh, Rs.30 lakh or above.
  2. Minimum paperwork: Metal credit cards can be applied for through minimum paperwork as the no filling of forms required, which is taken care of by the bank.
  1. Identifying potential customers: Existing customers with good credit ratings and transaction history are identified by the bank who are eligible to get metal cards.

What are the Parameters to Rate a Card?

The following are the points that are considered before rating a card:

  1. Credit cards providing cashback to the users.
  2. Credit system is easily understandable for the users.
  1. Credit card services offered to all income groups.
  2. Services offered to multiple geographies and not just to the major cities.
  3. Credit cards offering zero annual and joining fees.
  4. Credit card offering welcome benefit.
  5. Easy usage of welcome gifts and intrinsic value of gift covering annual fee.
  1. Credit cards providing user-friendly additional benefits.
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FAQs on Metal Credit Card

  • What is the purpose of a metal credit card?

    Metal credit cards are considered to be more durable than plastic credit cards. 

  • Do metal credit cards operate differently from plastic credit cards?

    No, metal credit cards operate just like plastic credit cards. 

  • Is it difficult to obtain metal credit cards?

    Yes, as metal credit cards are offered to high-spenders with excellent credit card, it can be difficult for many to obtain a metal credit card. 

  • Do ATMs accept metal cards?

    Yes, ATMs accept metal credit cards. 

  • Can I swipe a metal credit card?

    Yes, you can swipe a metal credit card just like a plastic credit card. 

Types of Credit Card
  1. Top 10 Credit Cards in India
  2. Fuel Credit Cards
  3. Lifetime Free Credit Cards
  4. Kisan Credit Card
  5. Student Credit Cards in India
  6. Shopping Credit Cards
  7. Contactless Credit Cards
  8. Travel Credit Cards
  9. Co-Branded Credit Cards
  10. Lifestyle Credit Cards
  11. Rewards Credit Cards
  12. Business Credit Cards
  13. NRI Credit Cards
  14. Cashback Credit Cards
  15. Lounge Access Credit Cards
Credit Card by Banks
  1. Axis Bank Credit Card
  2. HDFC Bank Credit Card
  3. Kotak Bank Credit Card
  4. Federal Bank Credit Card
  5. SBI Credit Cards
  6. HSBC Credit Card
  7. IndusInd Bank Credit Card
  8. RBL Bank Credit Card
  9. Standard Chartered Credit Card
  10. YES Bank Credit Card
  11. Canara Bank Credit Card
  12. Punjab National Bank Credit Card
  13. Bank of Baroda Credit Card
  14. IDBI Credit Card
  15. Union Bank of India Credit Card
  16. Bank of India Credit Card
Articles on Credit Card
  1. How to Check Credit Card Status
  2. How to Manage Multiple Credit Cards
  3. Best Credit Card for Poor Credit
  4. How to get Credit Card without Job
  5. Credit Card Insurance Benefits
  6. How to Apply for Lost Credit Card
  7. Reasons for Credit Card Rejection
  8. Advantages & Disadvantages of Credit Card
  9. Difference between Credit Card & Debit Card
Credit Card Customer Care
  1. SBI Credit Card Customer Care
  2. HDFC Bank Credit Card Customer Care
  3. Axis Bank Credit Card Customer Care
  4. Federal Bank Credit Card Customer Care
  5. IndusInd Bank Credit Card Customer Care
  6. PNB Credit Card Customer Care
  7. RBL Bank Credit Card Customer Care
  8. Kotak Credit Card Customer Care
  9. Yes Bank Credit Card Customer Care
  10. Standard Chartered Credit Card Customer Care
  11. Canara Bank Credit Card Customer Care
  12. HSBC Credit Card Customer Care
  13. Indian Bank Credit Card Customer Care
  14. Bank of Baroda Credit Card Customer Care
  15. Bank of India Credit Card Customer Care
  16. Union Bank of India Credit Card Customer Care
Credit Card Bill Payment
  1. Credit Card Bill Payment
  2. SBI Credit Card Bill Payment
  3. HDFC Credit Card Bill Payment
  4. Federal Bank Credit Card Bill Payment
  5. Axis Bank Credit Card Bill Payment
  6. IndusInd Credit Card Bill Payment
  7. Kotak Credit Card Bill Payment
  8. Standard Chartered Credit Card Bill Payment
  9. RBL Bank Credit Card Bill Payment
  10. HSBC Credit Card Bill Payment
  11. PNB Credit Card Bill Payment
  12. Canara Bank Credit Card Bill Payment
  13. Bank of Baroda Credit Card Bill Payment
  14. Bank of India Credit Card Bill Payment
  15. Union Bank Credit Card Bill Payment
Credit Card Eligibility
  1. Credit Card Eligibility
  2. SBI Credit Card Eligibility
  3. HDFC Credit Card Eligibility
  4. Federal Bank Credit Card Eligibility
  5. Axis Bank Credit Card Eligibility
  6. Yes Bank Credit Card Eligibility
  7. IndusInd Bank Credit Card Eligibility
  8. HSBC Credit Card Eligibility
  9. Kotak Credit Card Eligibility
  10. Canara Bank Credit Card Eligibility
  11. Standard Chartered Credit Card Eligibility
  12. RBL Bank Credit Card Eligibility
  13. Bank of Baroda Credit Card Eligibility
  14. Union Bank Credit Card Eligibility
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