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Explore the key benefits of some of the best metal credit cards in India!
In a recent development, some credit card issuers have started offering metal cards. These metal credit cards are crafted from diverse materials, such as stainless steel and brass. As such, they are resistant to snapping or bending, making them more durable.
The look and feel of metal and its sleek design add to this card’s aesthetics. Many metal cards have advanced security features and offer premium perks.
You could choose from various metallic credit cards in India, each offering unique features and reward structures.
Here are some of the best metal credit cards in India in 2025, with a brief overview of their notable features and advantages:
Metal Credit Card Variants |
Features and Benefits |
|---|---|
YES Bank BYOC Credit Card |
|
AU Small Bank Zenith+ Credit Card |
|
IDFC First Bank Private Credit Card |
|
HDFC Bank INFINIA Credit Card |
|
Axis Bank Reserve Credit Card |
|
Axis Bank Burgundy Private Credit Card |
|
Disclaimer: The benefits and rewards mentioned above are subject to change at the issuer’s discretion. These credit card variants are from non-partnered issuers. Visit the issuer’s website to get more details.
Both plastic and metal credit cards in India have their own advantages and drawbacks. The following are some of the distinguishing features of these credit cards:
Parameter |
Metal Credit Cards |
Plastic Credit Cards |
|---|---|---|
Joining/Renewal Fees |
These are generally premium credit cards and come with higher joining and renewal charges |
Annual charges depend on the type of card you opt for and can vary from zero to several thousands |
Rewards |
These cards provide exclusive benefits to cardholders who spend significantly Perks include higher cashback, bonus rewards, complimentary airport lounge access, and other luxury benefits |
These cards provide rewards that cater to broader spending patterns Depending on the card, you can earn reward points, get cashback, travel benefits, and more |
Appearance |
These cards are crafted from premium metals and have a sleek and elegant design |
Plastic cards are made from PVC and other synthetic materials Some also offer customisation to suit your style |
Durability |
Since they are made of durable material, they are resistant to bending and breaking |
They provide adequate durability but are not as resilient as metal cards |
Weight |
Heavier than plastic cards due to their metal build |
These cards are lightweight as they are made of plastic |
While there are several top metal credit cards to choose from, the application process differs across issuers. Here is a general overview of how you could apply:
Visit the website or app of the issuing financial institution
Go to the credit cards section and select the card you want to apply for
Fill in the application form and upload the relevant documents
Complete verification and submit your application
If the issuer approves your request, you will receive the credit card
In some cases, you can only apply if you are invited to do so by the issuer. This is based on a number of factors, such as your net income, credit score, and spending patterns.
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While they perform the same functions as plastic credit cards, metal cards are crafted from premium materials. They may cost more than plastic cards and offer exclusive benefits.
Compared to plastic credit cards, metal cards may have stricter eligibility criteria. The minimum income requirement may also be higher.
Yes, you could withdraw cash at ATMs with metal credit cards, depending on its features.
Yes, you can swipe this credit card on a POS machine.
If you meet the eligibility requirement set by the issuer, you can apply online for a metal card on the official website or app.
Some metal credit cards available in India include the YES Bank BYOC credit card, AU Small Bank Zenith+ Credit Card, and HDFC Bank INFINIA Credit Card.
A sophisticated design and premium perks are some of the benefits of a metal credit card.
