What is a metal credit card?

A metal credit card is a premium credit card made partially or entirely of metal instead of plastic. These cards are known for their luxurious design, durability, and exclusive benefits such as airport lounge access, travel rewards, dining offers, concierge services, and golf privileges. .

What are the benefits of metal credit cards?

Metal credit cards offer premium lifestyle and travel benefits, including airport lounge access, reward points, hotel memberships, golf privileges, concierge services, dining discounts, and low forex markup fees. Many metal cards also provide milestone rewards and exclusive luxury experiences. .

Are metal credit cards better than plastic credit cards?

Metal credit cards are generally considered more premium than plastic credit cards due to their superior build quality and enhanced benefits. However, they usually come with higher annual fees and stricter eligibility criteria compared to regular credit cards. .

Which are the best metal credit cards in India?

Some of the best metal credit cards in India include the HDFC Bank Infinia Metal Edition Credit Card, Axis Bank Burgundy Private The One Card, Kotak White Reserve Credit Card, and DBS Vantage Credit Card. These cards are popular for their luxury travel, dining, and reward benefits. .

Who is eligible for a metal credit card?

Metal credit cards are usually offered to individuals with high income, strong credit scores, and substantial spending capacity. Some premium metal cards are invite-only, while others can be applied directly if the applicant meets the bank’s eligibility criteria. .

Do metal credit cards have high annual fees?

Yes, most metal credit cards come with higher joining and annual fees because of the premium benefits they offer. Depending on the card issuer and features, annual fees can range from a few thousand rupees to over Rs.1 lakh. .

Are metal credit cards invite-only?

Some premium metal credit cards are invite-only and are offered to select customers with high spending patterns or premium banking relationships. However, several banks now also offer metal credit cards through regular applications subject to eligibility requirements. .

Do metal credit cards offer airport lounge access?

Yes, most metal credit cards provide complimentary domestic and international airport lounge access. Premium cards may also offer unlimited lounge visits for both primary and add-on cardholders through Visa, Mastercard, or Priority Pass programs. .

Can metal credit cards improve travel and lifestyle experiences?

Metal credit cards are designed to enhance travel and lifestyle experiences through benefits such as hotel memberships, travel insurance, concierge services, golf access, dining discounts, and reward point programs that can be redeemed for flights and hotel stays. .

Is a metal credit card worth it?

A metal credit card can be worth it for frequent travellers and high spenders who regularly use premium benefits like lounge access, travel rewards, dining offers, and hotel memberships. Users should compare the annual fee with the value of the benefits before applying. .

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Metal Credit Cards

Metal credit cards are gaining much traction across India due to their high-end appearance, luxury perks, exclusive rewards, and premium services. Metal credit cards offer travel/lounge access, dining privileges, or golf benefits as standard features.

Updated On - 10 Jun 2026

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Best Metal Credit Cards in India 2026

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

Card Name	Fees	Features
OneCard	No joining fees No annual fees No reward redemption fees	Designed in a 16-gram metal credit card which can be controlled by the OneCard mobile application Offers 5X reward points on top two spend categories Purchases can be converted to easy EMIs Ensures seamless onboarding and activation in five minutes Never expiring reward points Get 100% fuel surcharge waiver up to Rs.400
IDFC First Private Credit Card	Commencement fee (First year): Rs.50,000 + GST Annual Recurring fee (Second year onwards): Rs.50,000 + GST	Invitation-only metal credit card Get 50,000 reward points and Club ITC Culinaire membership on fee payment Earn 25,000 reward points on annual renewal Receive a Taj Experiences Signature Dining Voucher on crossing ₹15 lakh cumulative spends within the first 6 months of card issuance and renewal Club ITC Culinaire membership renewed on spends above ₹40 lakh in the previous anniversary year 0% forex markup with 0% interest on cash withdrawals across the globe Unlimited complimentary domestic and international airport lounge access Unlimited railway lounge access Complimentary airport spa access in India Visa meet-and-greet services at airports Complimentary golf privileges with 2 golf rounds or golf lessons every month 1 complimentary international golf round per quarter at select destinations Travel and air accident insurance cover up to ₹2.5 crore Trip cancellation cover up to ₹50,000 twice a year on eligible bookings ITC Hotels offer powered by Visa: complimentary 3rd night stay on booking 2 consecutive nights Flat ₹7,500 discount at The Postcard Hotel & Resorts on minimum booking of ₹25,000 Up to ₹1,500 off every month on movie and event bookings via BookMyShow Earn 10X reward points on incremental monthly spends above ₹30,000 and birthday spends Earn 6X reward points on online spends Earn 3X reward points on offline spends, rent, and education payments Improve accuracy for strategy and analysis
Zenith+ Metal Credit Card	Annual Membership fee: Rs.4,999 + applicable taxes	Earn accelerated reward points on travel, dining, international spends, and other eligible retail transactions Redeem reward points across travel bookings, vouchers, merchandise, and cashback options Complimentary Taj Epicure membership with dining and stay privileges at Taj Hotels Low forex markup fee of 0.99% on international transactions Complimentary airport meet-and-assist services through Visa privileges Complimentary domestic and international airport lounge access Complimentary railway lounge access in India Complimentary golf rounds or golf lessons at participating golf courses Complimentary BookMyShow movie ticket benefits on eligible spends Fuel surcharge waiver on eligible fuel transactions, subject to applicable monthly caps and conditions Card renewal benefits on achieving eligible annual spend milestones Comprehensive protection cover including air accident insurance, purchase protection, and lost card liability cover Complimentary concierge, dining, travel, and luxury lifestyle privileges through Visa Infinite benefits Complimentary add-on cards for family members EMI conversion facility on eligible purchases Contactless metal credit card design
Axis Bank Burgundy Private Credit Card	Annual fees: Nil	For every Rs. 200 spent on your card, 15 EDGE REWARD points are offered Offers flexibility to increase credit limit No forex markup charges No interest or charges imposed on cash withdrawals Complimentary EazyDiner Prime membership Complimentary 50 golf rounds per year Offers on movie tickets Unlimited lounge access Complimentary hotel and dining memberships Travel insurance for loss or delay in baggage During international travel, offers global travel and medical assistance 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	Enables users to earn White Pass value of up to Rs.2.50 lakh annually Offers gift voucher on premium brands, flights, hotels, etc. Offers Club Marriott membership including discounts on personal care, luxury stay, fine dining, etc. Offers complimentary lounge access Charges 2.00% forex markup charges on international spends Offers free golf rounds two per month 1% fuel surcharge waived off
HSBC Premier Mastercard Credit Card	Zero annual and joining fees	Offers reward points that do not expire Earn 3 reward points for every Rs.100 spent Offers 26 complimentary airport lounge visit Foreign markup fees of 0.99% Get buy one get one offer on movie tickets Ensures online fraud protection and lost card liability Provides five complimentary golf games per year Taj experience gift card worth Rs.12,000 Reward points for airline miles can be redeemed from InterMiles, British Airways & Etihad Airways and Club Vistara points Provides access to 850 airport lounge access in India and overseas
DBS Vantage Card	DBS non-Treasures customers: Joining fees: Rs.50,000 for first year Annual fees: Rs.50,000 from second year onwards DBS Elite customers: Joining and annual fees: Rs.10,000 DBS Treasures customers: Joining and Annual fees: Rs.20,000	Offers luxury hotel memberships Milestone rewards Offers duty-free deals Provides zero forex markup fees on transactions in Singapore and 1.75% elsewhere Unlimited airport lounge access Get 10% cashback up to Rs.1,500 on shopping at domestic and international duty-free stores
YES Bank BYOC Credit Card	Eco-Friendly Card Fee: Rs.249 + taxes Metal Card Fee: Rs.3,499 + taxes	Complimentary ET membership on first anniversary Offers cashback of 10% on selected merchants Flexibility in choosing card materials Offers complimentary domestic airport lounge access Get Amazon voucher worth Rs.500 on transactions worth Rs.1000 within first 30 days Get four reward plans to choose from as per your needs
IndusInd Bank Avios Visa Infinite Credit Card	Joining fees: Rs.40,000 Annual fees: Rs.10,000	Earn 20,000 Avios as welcome benefits Complimentary Gold membership tier with Qatar Airways Privilege Club 18,000 bonus Avios after first spends of Rs.8 lakh in a year Renewal of Gold membership tier Get two complimentary meet and greet services at international airport The card is specifically the IndusInd Bank Avios Visa Infinite Credit Card in partnership with Qatar Airways and Avios rewards are linked to Qatar Airways Privilege Club.
IndusInd PIONEER HERITAGE Metal Credit Card	Joining fee: Rs.90,000 Annual fee: Rs.25,000	Free cash withdrawal or advancement facility No over limit fees No late payment fees No cash advance fee No withdrawal fee
INFINIA Metal Credit Card	Joining or Renewal Membership Fee - Rs.12,500 + Applicable Taxes	Global Personal Concierge For both Primary and Add-on member, the card offers unlimited airport lounge access across the globe Complimentary nights & buffet at participating ITC hotels For every Rs.150 spent, customers will earn five reward points Complimentary Club Marriott membership for first year 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	A welcome bonus of 40,000 AURUM Reward Points (valued at Rs.10,000) will be credited upon successful payment of the joining fee. Dedicated credit card service Unlimited international airport lounge access Four complimentary domestic airport lounge access per quarter Dining and movie benefits Welcome benefits, travel and milestone benefits Low forex markup fee of 1.99% on onshore transactions Get up to four complimentary BookMyShow movie tickets worth Rs.1,000 every month
IDFC First Bank Ashva Credit Card	Joining Fee: Rs.2,999 plus GST Annual Fee: Rs.2,999 plus GST	Get 2,500 bonus points as inaugural benefit 1% Markup fee Earn 5x reward points on spendings up to Rs.20,000 and 10x rewards points on spendings above Rs.20,000 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. 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. Four complimentary domestic airport lounge access per quarter Two complimentary international airport lounge access per quarter Dining benefits Fuel surcharge waiver
IDFC First Bank Mayura Credit Card	Joining Fee: Rs.5,999 plus GST Annual Fee: Rs.5,999 plus GST	No markup fee Four complimentary domestic airport lounge access per quarter Four complimentary international airport lounge access per quarter Dining benefits Fuel surcharge waiver Golfing benefits Free trip cancellations up Rs.50,000 on hotel and flight booking in a year Four complimentary railway lounge access in a quarter Lounge and railway lounge benefits activate only after spending Rs.20,000 in the previous calendar month. International lounge access uses DreamFolks. The card also includes movie BOGO offers and reward milestones, which were not listed.

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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
Material, appearance, and feel	Made using PVC or synthetic plastic materials with flexible design options, colourful graphics, and printed finishes. Lightweight and easy to carry.	Made using stainless steel or metal alloys with a premium metallic finish, engraved details, and a heavier luxury feel.
Durability and lifespan	Durable for regular use but may bend, crack, fade, or wear out over time.	More resistant to bending and physical damage, offering better long-term durability.
Rewards and benefits	Available across entry-level to premium categories with cashback, reward points, discounts, EMI options, and merchant offers.	Usually linked to premium card categories offering airport lounge access, concierge services, golf privileges, travel perks, and luxury lifestyle benefits.
Fees and accessibility	Generally lower annual fees, widely accessible, and suitable for most users.	Usually come with higher joining and annual fees and are targeted at premium or high-income customers.
Usage and limitations	Widely accepted across ATMs and payment terminals with easy portability and flexibility.	Accepted at most terminals, though some older machines may face compatibility issues due to thicker metal construction.

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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:

Income range: The income range to get metal cards is Rs.25 lakh, Rs.30 lakh or above.
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.

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:

Credit cards providing cashback to the users.
Credit system is easily understandable for the users.

Credit card services offered to all income groups.
Services offered to multiple geographies and not just to the major cities.
Credit cards offering zero annual and joining fees.
Credit card offering welcome benefit.
Easy usage of welcome gifts and intrinsic value of gift covering annual fee.

Credit cards providing user-friendly additional benefits.

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Credit cards make payments easy for all expenses online and offline while offering various benefits

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FAQs on Metal Credit Card

What is a metal credit card?
A metal credit card is a premium credit card made partially or entirely of metal instead of plastic. These cards are known for their luxurious design, durability, and exclusive benefits such as airport lounge access, travel rewards, dining offers, concierge services, and golf privileges.
What are the benefits of metal credit cards?
Metal credit cards offer premium lifestyle and travel benefits, including airport lounge access, reward points, hotel memberships, golf privileges, concierge services, dining discounts, and low forex markup fees. Many metal cards also provide milestone rewards and exclusive luxury experiences.
Are metal credit cards better than plastic credit cards?
Metal credit cards are generally considered more premium than plastic credit cards due to their superior build quality and enhanced benefits. However, they usually come with higher annual fees and stricter eligibility criteria compared to regular credit cards.
Which are the best metal credit cards in India?
Some of the best metal credit cards in India include the HDFC Bank Infinia Metal Edition Credit Card, Axis Bank Burgundy Private The One Card, Kotak White Reserve Credit Card, and DBS Vantage Credit Card. These cards are popular for their luxury travel, dining, and reward benefits.
Who is eligible for a metal credit card?
Metal credit cards are usually offered to individuals with high income, strong credit scores, and substantial spending capacity. Some premium metal cards are invite-only, while others can be applied directly if the applicant meets the bank’s eligibility criteria.
Do metal credit cards have high annual fees?
Yes, most metal credit cards come with higher joining and annual fees because of the premium benefits they offer. Depending on the card issuer and features, annual fees can range from a few thousand rupees to over Rs.1 lakh.
Are metal credit cards invite-only?
Some premium metal credit cards are invite-only and are offered to select customers with high spending patterns or premium banking relationships. However, several banks now also offer metal credit cards through regular applications subject to eligibility requirements.
Do metal credit cards offer airport lounge access?
Yes, most metal credit cards provide complimentary domestic and international airport lounge access. Premium cards may also offer unlimited lounge visits for both primary and add-on cardholders through Visa, Mastercard, or Priority Pass programs.
Can metal credit cards improve travel and lifestyle experiences?
Metal credit cards are designed to enhance travel and lifestyle experiences through benefits such as hotel memberships, travel insurance, concierge services, golf access, dining discounts, and reward point programs that can be redeemed for flights and hotel stays.
Is a metal credit card worth it?
A metal credit card can be worth it for frequent travellers and high spenders who regularly use premium benefits like lounge access, travel rewards, dining offers, and hotel memberships. Users should compare the annual fee with the value of the benefits before applying.

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