Metal cards in India are often considered as the status of luxury and exclusivity as these cards offer premium and prestigious benefits to its card holders.
In India, where luxury and high-end services are increasingly making rounds, these cards are gaining popularity with time.
These cards offer more than just financial transactions, they provide an array of benefits and are designed in a very stylish yet attractive manner, and are a perfect choice for the heavy spenders.
Here are some of the metal cards in India which are equally beneficial and rewarding.
Metal Cards In India
| Card Name | Joining Fee |
| IndusInd Pioneer Heritage Credit Card | Rs.90,000+GST |
| IDFC First Bank Private Credit Card | Rs.50,000+GST |
| DBS Vantage Credit Card | Rs.50,000 |
| IndusInd Bank Avios Visa Infinite Credit Card | Rs.40,000 |
| HDFC Infinia Metal Credit Card | Rs,12,500+Applicable Taxes |
| Kotak White Reserve Credit Card | Rs.12,500 |
| SBI Aurum Credit Card | Rs.9,999+GST |
| AU Bank Zenith Plus Credit Card | Rs.4,999 (Excluding GST) |
| YES Bank BYOC Credit Card | Rs.3,499+Taxes |
1. IndusInd Pioneer Heritage Credit Card
This metal credit card by IndusInd bank requires a current account with an average balance of Rs.10,00,000 or more than that. This card opens the high rewarding as well as the luxury benefit path for the cardholders.
| Fees and charges | Joining fee charges are Rs.90,000+GST |
| Annual fee membership charges are Rs.25,000+GST | |
| Add-on card fee is NIL. | |
Rewards and other benefits | Provides 1 reward point on spending Rs.100 every time on domestic spends. |
| Offers 2.5x reward points on spending Rs.100 every time internationally. | |
| As a welcome gift get a Luxe gift card that provides access to products/services from premium brands which have over 360 stores across 30 cities in India. | |
| Get free 3 tickets in a month. | |
| Enjoy 2 complimentary international and domestic lounge visits per calendar quarter. | |
| Get personal air accident insurance cover upto Rs.2.5 crore. |
To avail this card, an individual needs to submit documents like
- Voter ID card,
- Aadhar card,
- Driving license,
- Salary slips,
- Passport, etc.
2. IDFC First Bank Private Credit Card
The card is specially designed for the current IDFC First bank customers. This card provides access to top lounges and also offers good exchange on foreign transactions.
| Fees and charges | Joining fee charges are Rs.50,000+GST. |
| Annual membership fee charges are Rs.50,000+GST. | |
| Minimum interest rate is 9%. | |
| Rewards and other benefits | For the first year get upto 2 lakh reward points on spending Rs.50,000. |
| While for the second year get 1 lakh reward points on spending worth Rs.25,000. | |
| Get discounted rates on forex transactions. | |
| Enjoy a complimentary Taj Epicure membership as the joining gift. | |
| 10x reward points on spending above Rs.30,000. | |
| Get free Amazon Prime membership and access to Visa Infinite Dining Program. |
3. DBS Vantage Credit Card
This one is a super premium metal card in India which offers prime benefits in form of hotel memberships, priority lounge access, and more of it to people who frequently travel.
| Fees and charges | For DBS non-treasure customers- Joining fee charges are Rs.50,000.Annual fee charges are Rs.50,000 from second year. |
| For treasure customers- Joining and Annual fee charges both are Rs.20,000. | |
| Rewards and other benefits | It charges zero as its forex markup fee in Singapore, and around 1.75% in other countries. |
| Get upto 4 vantage reward points on spending Rs.200 everytime in India. | |
| 8 vantage points on spending Rs.200 every time internationally. | |
| Get upto 10,000 bonus vantage points after making the first transaction within 30 days of the card purchase and activation. |
The card also has an overlimit penalty of Rs.600 and offers 1% waiver on fuel transactions.
4. IndusInd Bank Avios Visa Infinite Credit Card
Another metal card by IndusInd bank. This card is a multi co branded card, which is associated with two popular airlines, called Qatar Airways and British Airways.
| Fees and charges | Joining fee charges are Rs.40,000. |
| Annual fee charges are Rs.10,000. | |
| Reward and other benefits | Get 1.5% discounted as foreign exchange markup fee. |
| Enjoy upto 55,000 bonus Avios points while choosing the British Airways Executive Club. | |
| Get 25,000 bonus Avios points on first annual spending of Rs.8 lakh. | |
| Get upto 25% off on retail rates on Airport Fast Track immigration. |
5. HDFC Infinia Metal Credit Card
This card is being referred to as one of the oldest premium cards by HDFC bank in the market. This is an invite-only card and no one can avail it directly.
| Fees and charges | Joining fee charges are Rs,12,500+Applicable Taxes. |
| Annual fee charges are Rs,12,500 along with taxes. | |
| Rewards and other benefits | Offers 24×7 global concierge services. |
| Around 12,500 reward points are given to each cardholder every year, once the annual fee is paid off. | |
| A complimentary club Marriott membership. | |
| Enjoy buffets at participating ITC hotels (1+1 free). | |
| Charges a low foreign makeup fee of 2%. |
The card also offers zero liability for lost cards and an interest free credit period.
6. Kotak White Reserve Credit Card
This metal card by Kotak Mahindra offers its cardholders to earn white pass values that would also include cash back depending on the spending type.
| Fees and charges | Joining fee charges are Rs.12,500. |
| Annual fee charges are Rs.12,500 too. | |
| Rewards and other benefits | Get a membership from Club Marriott. |
| A user can earn white pass value on spending Rs.2.25 lakh annually. | |
| Get vouchers from premium brands, flights, and hotels. | |
| Enjoy unlimited airport lounge access across 1,000+ airport lounges in the world. |
The card also offers two free golfing rounds every month at selected golf courses, which are worth Rs.10,000.
7. SBI Aurum Credit Card
This one is also an invite only credit card, which also offers digital membership for platforms like Mint and WSJ. With that it offers reward points on reaching some exclusive milestones.
| Fees and charges | Joining fee charges are Rs.9,999+GST. |
| Its renewal fee charges are Rs.9,999+GST. | |
| Reward and other benefits | Reward rate from 1% to 3%. |
| Get upto 4 reward points on spending Rs.100 every time. | |
| Enjoy unlimited airport lounge access. | |
| Enjoy four complimentary domestic airport lounge access per quarter. | |
| Enjoy movie and dining benefits. |
8. AU Bank Zenith Plus Credit Card
This metal card offers an interest free grace period, which offers flexibility to the cardholders to settle the outstanding balance without including interest charges.
| Fees and charges | Joining charges of the card are Rs.4,999 (Excluding GST). |
| Annual membership fee is Rs.4,999 (Excluding GST). | |
| Reward and travel benefits | Earn upto 2 reward points on per Rs.100 spent on travel, dining and on international spends. |
| 1 reward point on spending Rs.100 every time on retail stores. | |
| Get complimentary Taj Epicure Membership. | |
| As a welcome bonus get luxury brand vouchers or Rs.5,000 in reward points on card activation. | |
| Get access upto 16 international airport lounges using Priority Pass, and 4 free visits per quarter. |
Apart from this, the card also offers complimentary discounts on movie tickets, reward points upto 1,000 on reaching some spending milestones.
9. YES Bank BYOC Credit Card
The card comes in two forms, i.e. Eco-friendly card and metal card. The BYOC in the name indicates Build Your Own Card. This card allows cardholders to customize their card’s features and design.
| Fees and charges | Joining fee charges for Metal card is Rs.3,499+Taxes. |
| Joining fee charges for Eco-Friendly card is Rs.249+taxes. | |
| Reward and other benefits | One of the prime features of this card is BYOC. |
| Enjoy 15% off on dining at partner restaurants with YES Bank BYOC card. | |
| Offers exclusive discounts and benefits on shopping, wellness, travel, etc. along with the YES bank privileges. | |
| As a primary cardholder, get one complimentary visit to domestic airport lounge each quarter along with the additional visit through the MasterCard Lounge Program. |
Along with that get instant EMI services and quick loan services along with the card protection covers.
At last, these metal cards in India go beyond mere financial transactions, as they offer a world of exclusive features and benefits along with the personalized services according to the lifestyle and preferences of each cardholder. Be it looking for luxury travel, shopping experience, premium dining benefits, these cards are the perfect choice for the heavy spenders.
Never knew that kotak has kotak offers this appealing designed card, and has charged less joining fee as compared to the first ones listed.
Yeah these cards are amazing, but although has high joining charges!