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 - 28 May 2026
Best Metal Credit Cards in India 2026
The best metal credit cards available in India are mentioned below :
Card Name | Fees | Features |
OneCard |
|
|
|
Improve accuracy for strategy and analysis | |
Annual Membership fee: Rs.4,999 + applicable taxes |
| |
Annual fees: Nil |
| |
Joining and Annual fees: Rs.12,500 |
| |
Zero annual and joining fees |
| |
|
| |
|
| |
|
| |
|
| |
Joining or Renewal Membership Fee - Rs.12,500 + Applicable Taxes |
| |
Joining and renewal Fee: Rs.9,999 + GST |
| |
|
| |
|
|
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. |
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.
Credit cards make payments easy for all expenses online and offline while offering various benefits
FAQs on Metal Credit Card
- What is the purpose of a metal credit card?
Metal credit cards are considered to be more durable than plastic credit cards.
- Do metal credit cards operate differently from plastic credit cards?
No, metal credit cards operate just like plastic credit cards.
- Is it difficult to obtain metal credit cards?
Yes, as metal credit cards are offered to high-spenders with excellent credit card, it can be difficult for many to obtain a metal credit card.
- Do ATMs accept metal cards?
Yes, ATMs accept metal credit cards.
- Can I swipe a metal credit card?
Yes, you can swipe a metal credit card just like a plastic credit card.
Types of Credit Card
- Top 10 Credit Cards in India
- Fuel Credit Cards
- Lifetime Free Credit Cards
- Kisan Credit Card
- Student Credit Cards in India
- Shopping Credit Cards
- Contactless Credit Cards
- Travel Credit Cards
- Co-Branded Credit Cards
- Lifestyle Credit Cards
- Rewards Credit Cards
- Business Credit Cards
- NRI Credit Cards
- Cashback Credit Cards
- Lounge Access Credit Cards
Credit Card by Banks
- Axis Bank Credit Card
- HDFC Bank Credit Card
- Kotak Bank Credit Card
- Federal Bank Credit Card
- SBI Credit Cards
- HSBC Credit Card
- IndusInd Bank Credit Card
- RBL Bank Credit Card
- Standard Chartered Credit Card
- YES Bank Credit Card
- Canara Bank Credit Card
- Punjab National Bank Credit Card
- Bank of Baroda Credit Card
- IDBI Credit Card
- Union Bank of India Credit Card
- Bank of India Credit Card
Articles on Credit Card
- How to Check Credit Card Status
- How to Manage Multiple Credit Cards
- Best Credit Card for Poor Credit
- How to get Credit Card without Job
- Credit Card Insurance Benefits
- How to Apply for Lost Credit Card
- Reasons for Credit Card Rejection
- Advantages & Disadvantages of Credit Card
- Difference between Credit Card & Debit Card
Credit Card Customer Care
- SBI Credit Card Customer Care
- HDFC Bank Credit Card Customer Care
- Axis Bank Credit Card Customer Care
- Federal Bank Credit Card Customer Care
- IndusInd Bank Credit Card Customer Care
- PNB Credit Card Customer Care
- RBL Bank Credit Card Customer Care
- Kotak Credit Card Customer Care
- Yes Bank Credit Card Customer Care
- Standard Chartered Credit Card Customer Care
- Canara Bank Credit Card Customer Care
- HSBC Credit Card Customer Care
- Indian Bank Credit Card Customer Care
- Bank of Baroda Credit Card Customer Care
- Bank of India Credit Card Customer Care
- Union Bank of India Credit Card Customer Care
Credit Card Bill Payment
- Credit Card Bill Payment
- SBI Credit Card Bill Payment
- HDFC Credit Card Bill Payment
- Federal Bank Credit Card Bill Payment
- Axis Bank Credit Card Bill Payment
- IndusInd Credit Card Bill Payment
- Kotak Credit Card Bill Payment
- Standard Chartered Credit Card Bill Payment
- RBL Bank Credit Card Bill Payment
- HSBC Credit Card Bill Payment
- PNB Credit Card Bill Payment
- Canara Bank Credit Card Bill Payment
- Bank of Baroda Credit Card Bill Payment
- Bank of India Credit Card Bill Payment
- Union Bank Credit Card Bill Payment
Credit Card Eligibility
- Credit Card Eligibility
- SBI Credit Card Eligibility
- HDFC Credit Card Eligibility
- Federal Bank Credit Card Eligibility
- Axis Bank Credit Card Eligibility
- Yes Bank Credit Card Eligibility
- IndusInd Bank Credit Card Eligibility
- HSBC Credit Card Eligibility
- Kotak Credit Card Eligibility
- Canara Bank Credit Card Eligibility
- Standard Chartered Credit Card Eligibility
- RBL Bank Credit Card Eligibility
- Bank of Baroda Credit Card Eligibility
- Union Bank Credit Card Eligibility
Disclaimer
Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.
Credit Card:
Credit Score:
Personal Loan:
Home Loan:
Fixed Deposit:
Copyright © 2026 BankBazaar.com.