Metal credit cards are just like regular credit cards, but they are made of metal instead of plastic. Metal credit cards are a growing trend in India, offering a luxurious and premium feel to users, and are being targeted at high-net-worth individuals by the bank. They are generally heavier and sturdier than plastic cards, making them more durable and resistant to wear and tear. Some metal credit cards also offer additional benefits like higher reward points, exclusive access to airport lounges, and concierge services. However, metal credit cards often come with higher annual fees and stricter eligibility requirements than regular credit cards. Keep reading to know about all the top metal credit cards in India.

Top Metal Credit Card

Top Metal Credit Cards

HDFC Bank INFINIA Metal Credit Card

HDFC Bank INFINIA Metal Credit Card

The INFINIA is the most premium credit card issued by HDFC Bank which relaunched this card in a metal version. The card is invite-only and is targeted towards high-net-worth individuals who want a luxurious lifestyle. This card has an annual fee of Rs. 12,499 plus taxes and a welcome bonus of 12,500 reward points. Keeping in mind the international traveling needs of its premium customers, HDFC offers a lower foreign currency exchange rate of 2% and a complimentary membership to the Priority Pass program. With the Priority Pass membership, users can access over 1,000 airport lounges worldwide, making their travel experience more comfortable and convenient. The INFINIA Metal Credit Card also offers attractive dining benefits at some of the country’s most premium restaurant chains, including 1 + 1 complimentary buffet at ITC Hotels and 15% off with Swiggy Dineout. Users can also enjoy a 2+1 complimentary night stay at participating ITC hotels. One of the card’s most attractive features is its exclusive 24*7 concierge services that offer a wide range of services such as travel assistance, hotel reservations, and dining recommendations. Additionally, the card provides access to premium golf destinations, making it a great choice for avid golfers.

ICICI Bank Emeralde Private Metal Credit Card


The ICICI Bank introduced the Emeralde Private Metal credit card in its super premium category specially designed for high-net-worth individuals. The card is made of metal and has a sleek design that reflects its exclusivity. The card offers a range of benefits that are designed to meet the needs of its customers. With a joining and renewal fee of Rs. 12,499 plus taxes which can be waived on spending Rs. 10 lakhs or more in the anniversary year, this card offers a complimentary Taj Epicure membership, 12,500 reward points, and a complimentary EazyDiner membership. One of the key benefits of the ICICI Bank Emeralde Private Metal Credit Card is complimentary access to airport lounges across the world. Cardholders can enjoy access to over 1000 lounges in more than 300 cities globally. The card also offers concierge services that can assist customers with various tasks such as booking flights, hotels, and restaurants. Another unique benefit of the card is the golf privileges that it offers. Cardholders can enjoy complimentary access to some of the best golf courses in India and around the world. Additionally, the card offers reward points on every transaction that can be redeemed for various rewards such as airline tickets, hotel stays, and merchandise. The card also comes with insurance coverage for travel and purchase protection. Cardholders can enjoy coverage for lost luggage, flight delays, and medical emergencies while traveling.

HDFC Bank Diners Club Black Metal Edition Credit Card


The Diners Black Metal Edition Credit Card is the second metal card issued by the HDFC Bank. This metal card is loaded with features and is designed to outshine the HDFC Bank Diners Club Black Credit Card and compete with the INFINIA Credit Card. The Diners Club Black Metal Credit Card is best suited for travel, dining, and shopping, and offers various benefits and rewards to its users. The joining and renewal fee of this card is Rs. 10,000 plus taxes which can be waived on spending Rs. 8 lakh or more in the anniversary year. As a welcome benefit, this card offers complimentary Amazon Prime membership, Club Marriot membership, and Swiggy One membership. With the Diners Club Black Metal Credit Card, you can get great benefits with the Good Food Trail Program and up to 25% off on restaurant payments through Swiggy Dineout. Insurance coverage, Foreign Currency Markup, Interest Rates, and Fuel Surcharge waiver are also provided for cardholders.

SBI AURUM Credit Card

SBI AURUM Credit Card

The SBI Aurum Credit Card is a super-premium credit card offered by SBI Card. It comes with a metallic design and an elegant black finish adorned with golden stripes. With a joining and renewal fee of Rs. 9,999 plus taxes, this card offers a range of complimentary privileges, including free memberships to Club Marriott, Mint, and Wall Street Journal. Cardholders also receive complimentary gift vouchers worth Rs. 5,000 from Tata CliQ Luxury, Apple, and Taj upon spending Rs. 5 lakh. The SBI AURUM Credit Card offers 4 reward points per Rs. 100 spent, with a welcome benefit of 40,000 reward points and a reward rate of 1%. Cardholders can redeem their reward points for gift vouchers, hotel reservations, flight tickets, and more on the AURUM Rewards portal. The card also offers travel insurance, airport lounge access, and insurance coverage. The annual membership fee is waived on annual spending of Rs. 12,00,000.

OneCard Metal Credit Card

OneCard Metal Credit Card

OneCard Metal Credit Card is an entry-level credit card issued by FPL Technologies Pvt. Ltd. in partnership with various banks, including Federal Bank, BOB Financial, CSB Bank, Indian Bank, SBM Bank, and South Indian Bank. This metal credit card can be issued as both a secured and unsecured credit card. The unsecured card is issued based on your credit score and income, while the secured card can be obtained against a fixed deposit. With no joining or renewal fee, this credit card is lifetime-free. OneCard Metal Credit Card rewards you with 1 reward point per Rs. 50 spent and 5x reward points on the top two spend categories of the month. You can also earn fractional reward points against your spending, which is a unique feature of this card. The reward points are redeemable for cashback, with 1 reward point equal to Rs. 0.10. This credit card offers lower forex markup fees of just 1% of the transaction amount and a lower interest rate of 2.5% per month.

Bottom Line

Metal credit cards are a new trend in India. These cards are made of metal and offer a premium feel to users. They are usually offered by high-end credit card companies and come with a higher annual fee and strict eligibility requirements. However, they offer additional benefits like higher reward points, exclusive access to airport lounges, and concierge services. If you are looking for a luxurious credit card experience, metal credit cards are a great option. It is important to carefully evaluate your needs and preferences before choosing a metal credit card, as it can be a significant investment. With the right card, you can enjoy a range of privileges and perks that can make your life more comfortable and convenient.

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