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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.

Best Metal Credit Cards in India

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 2024, with a brief overview of their notable features and advantages:

Metal Credit Card Variants

Features and Benefits

YES Bank BYOC Credit Card

  • Customise the card with a material of your choice 

  • Get an Amazon voucher worth ₹500 when you spend ₹1,000 within the first 30 days

  • Enjoy 10% cashback on payments at select merchant stores

  • Get one complimentary visit to a domestic airport lounge per quarter

  • Enjoy 4 waivers on green fees and one golf lesson per year

  • Earn reward points and redeem them against an exclusive catalogue

  • Get insurance of up to ₹2.5 Lakhs in case of accidental death of the primary cardholder

  • Enjoy a waiver of 1% on fuel surcharge on transactions ranging from ₹400 to ₹5,000

AU Small Bank Zenith+ Credit Card

  • Get premium brand vouchers as a welcome benefit

  • Pay a low foreign exchange markup fee and spend freely across the globe

  • Enjoy complimentary movie tickets on BookMyShow

  • Get access to premium lounges at domestic and international airports and quick airport check-ins

  • Enjoy complimentary golf rounds and lessons 

  • Enjoy culinary benefits with exclusive dining offers with a one-year Taj Epicure membership 

  • Earn 2 reward points on every ₹100 spent

  • Get 1,000 reward points as a bonus each month

  • Get 24X7 concierge services

  • Withdraw cash with zero fees

IDFC First Bank Private Credit Card

  • Get access to an exclusive invitation-only credit card 

  • Earn reward points worth ₹50,000 with a curated Taj Epicure membership in the first year

  • Pay zero forex markup, no interest on cash withdrawal, and zero over-limit fee

  • Get comprehensive insurance coverage for trip cancellations, complimentary roadside assistance, and air accidents

  • Enjoy unlimited complimentary access to domestic airport spas and lounges

  • Get entertainment benefits worth ₹18,000 from BookMyShow

  • Earn 6X reward points and 3X reward points on online and offline transactions, respectively

  • Accumulate karma points on spending over ₹30,000, which you can donate to your preferred charity

HDFC Bank INFINIA Credit Card

  • Enjoy a complimentary one-night stay and buffet at partner ITC hotels on booking stays of two nights

  • Get a complimentary Club Marriot membership for the first year that provides a 20% discount on dining and stay

  • Earn 5 reward points on every ₹150 that you spend 

  • Enjoy unlimited airport lounge access across the globe

  • Get unlimited access to leading golf courses across the country

  • Enjoy a low forex markup fee of 2% on international transactions

  • Enjoy zero liability on any fraudulent transaction 

  • Enjoy an interest-free period of up to 50 days from the date of purchase

Axis Bank Reserve Credit Card

  • Earn 15,000 reward points on activating your credit card

  • Get a complimentary stay for the third night on booking a stay for two nights at ITC hotels

  • Enjoy 50% savings at All Day Dining restaurants with this credit card 

  • Enjoy 8 complimentary VIP assistance for a hassle-free experience across various airports

  • Enjoy unlimited complimentary visits to domestic and international airport lounges with a free Priority Pass membership

  • Get 20% off on partner Marriott hotels in India with a Club Marriott membership

  • Enjoy 50 complimentary golf rounds at courses across India

  • Get up to ₹1,000 off on the second non-movie ticket booked via BookMyShow

Axis Bank Burgundy Private Credit Card

  • Pay zero cash withdrawal charges or interest until the due date

  • Enjoy zero forex markup fee on international transactions

  • Increase your credit card limit hassle-free during a foreign trip

  • Earn 15 Edge Reward points every time you spend ₹200

  • Get a discount of 25% at fine dining restaurants with a complimentary EazyDiner Prime membership 

  • Enjoy 50 complimentary rounds of golf annually 

  • Get one complimentary ticket on booking 5 movie tickets and 5 tickets for non-movie shows per month

  • Enjoy a waiver of 1% on fuel surcharge for transactions of up to ₹4,000, starting at ₹400

  • Get unlimited complimentary visits to domestic and international airport lounges

  • Enjoy complimentary membership to programmes such as Taj Epicure, Club Marriott, and Accor Plus

  • Get a discount of up to 15% on international and domestic Trident and Oberoi Hotels

  • Get consultations for second opinions from world-class medical specialists

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.

Difference Between Plastic and Metal Credit Cards

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:


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


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


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 


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


Heavier than plastic cards due to their metal build 

These cards are lightweight as they are made of plastic

How to Apply for a Metal Credit Card in India

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:

  1. Visit the website or app of the issuing financial institution

  2. Go to the credit cards section and select the card you want to apply for

  3. Fill in the application form and upload the relevant documents

  4. Complete verification and submit your application

  5. 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.


The information provided by BFDL herein above is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial investment advice or endorsement of any sort.

The information including interest rates with regard to fixed deposit, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any investment or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.

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Frequently Asked Questions

What is the purpose of a metal credit card?

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.

Is it difficult to obtain metal credit cards?

Compared to plastic credit cards, metal cards may have stricter eligibility criteria. The minimum income requirement may also be higher.

Do ATMs accept metal cards?

Yes, you could withdraw cash at ATMs with metal credit cards, depending on its features.

Can I swipe a metal credit card?

Yes, you can swipe this credit card on a POS machine.

Who can apply for a metal credit card online?

If you meet the eligibility requirement set by the issuer, you can apply online for a metal card on the official website or app.

Which credit card is made of metal?

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.

What are the benefits of having a metal credit card in India?

A sophisticated design and premium perks are some of the benefits of a metal credit card.

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