Top 3 Metal Credit Cards in India: Benefits, Features, and Reviews

Introduction

In India’s evolving credit card market, metal credit cards have become the ultimate badge of prestige. They’re more than just shiny; they pack powerful benefits for travel, lifestyle, and rewards. If you’re ready to upgrade your wallet, here’s everything you need to know about the top three metal credit cards available in India right now.

What Are Metal Credit Cards?

The Concept of Metal Cards in India

Metal credit cards in India cater to high-net-worth individuals and premium customers who demand more than just spending power. These cards combine luxury with functionality, giving cardholders exclusive travel perks, unmatched concierge services, and lifestyle privileges.

Metal vs Plastic Cards: Key Differences

Unlike standard plastic cards, metal cards are heavier, sturdier, and more sophisticated. Additionally, their design ensures a longer lifespan and a distinctive appearance when swiped.

Why Indians Love Metal Credit Cards

The Prestige Factor

For many Indians, having a metal card is a subtle yet powerful status symbol. It’s an unspoken sign that you’ve arrived.

Exclusive Lifestyle Benefits

From unlimited international lounge access to dedicated concierge services and luxury hotel privileges, metal cards are designed for people who want premium experiences.

Durability and Build Quality

While plastic cards bend or break, metal cards stay intact and feel premium in your hand. It’s a small detail that makes a big impact.

Top 3 Metal Credit Cards in India

Comparison Table

Card	Annual Fee	Best For	Unique Feature
HDFC INFINIA Metal	₹12,500 + GST	Unlimited lounge & luxury travel	Unlimited Priority Pass Lounges
Axis Magnus	₹12,500 + GST	Travel & dining	Complimentary domestic flight voucher
ICICI Emeralde	₹12,000 + GST	Health, travel, lifestyle	Domestic & International lounge access

1 HDFC Bank INFINIA Credit Card Metal Edition

Key Benefits

Unlimited Lounge Access

Enjoy unlimited international lounge access for primary and add-on members through Priority Pass—no cap, no hidden limits.

Premium Rewards & Concierge

Earn 5 reward points per ₹150 spent. The card also comes with a dedicated concierge for travel bookings, golf privileges, and luxury hotel stays.

Fees & Eligibility

The annual fee is ₹12,500 plus GST, but it’s waived for annual spending above ₹10 lakh. It’s invitation-only, so you’ll need an excellent credit profile.

User Reviews

Cardholders rave about the unmatched lounge benefits and redemption flexibility. What is the biggest draw? There is no limit on lounge visits, making it ideal for frequent travelers.

2 Axis Bank Magnus Credit Cards

Key Benefits

Premium Travel Privileges

The Magnus offers complimentary Priority Pass membership with unlimited visits and up to 8 guest visits per year.

Monthly Dining Delights

Get up to ₹2,500 worth of dining vouchers every month when you spend ₹1 lakh—a perk that practically covers the annual fee.

Fees & Eligibility

The annual fee is ₹12,500 plus taxes, waived if you spend ₹15 lakh in a year. It is highly recommended for high-income individuals with excellent credit.

User Reviews

Travelers love the complimentary domestic flight voucher. Many appreciate the 12 golf rounds and great dining offers.

3 ICICI Bank Emerald Credit Cards

Key Benefits

Domestic & International Lounges

Enjoy unlimited access to domestic airport lounges and international lounges with DreamFolks membership.

Health & Lifestyle Benefits

Get complimentary spa sessions, golf rounds, movie tickets, and 24x7 concierge services.

Fees & Eligibility

The annual fee is ₹12,000 plus taxes, waived for high annual expenditures. This card is ideal for individuals who travel frequently and seek a premium lifestyle.

User Reviews

Customers praise the Emerald for its wide lounge network and additional lifestyle perks like complimentary wellness packages.

How to Choose the Right Metal Card

Match Rewards to Spending

If you travel a lot, go for unlimited lounge access. Love fine dining? A card with dining vouchers or discounts will suit you better.

Annual Fee vs. Rewards Value

High annual fees should not intimidate you. If you make the most of the benefits, the rewards can easily outweigh the cost.

Check Acceptance & Network

Some premium cards run on Visa Infinite or Mastercard World Elite—ensure your favorite places accept your card network.

Pros & Cons of Metal Credit Cards in India

Advantages

• Access to premium airport lounges worldwide

• Exclusive concierge services

• Special lifestyle and dining offers

• Durable and impressive design

Limitations

• High annual fees

• Invitation-only eligibility for some cards

• Heavier than plastic cards—not ideal for slim wallets
  

Eligibility and How to Apply

Credit Score Requirements

Most issuers prefer applicants with excellent credit scores (750+). High annual income is also a plus.

Application Tips

Maintain a strong banking relationship with your bank, keep your credit utilization low, and ensure timely bill payments.

Maintaining Your Metal Card

Lost or damaged a metal card?

Replacement might take longer than plastic cards due to the custom metal fabrication. Always report loss immediately.

Safety Tips

Enable transaction alerts, set limits for online transactions, and always store your card safely.

Alternatives to Metal Credit Cards

High-End Plastic Cards

Cards like HDFC Diners Black or SBI Card ELITE offer many similar perks with lower annual fees.

Co-Branded Cards

Some airline and hotel co-branded cards also provide access to lounges and travel perks—often with more flexible eligibility.

Are Metal Cards Really Worth It in India?

If you frequently travel, dine out, and enjoy premium lifestyle experiences, the right metal credit card can pay for itself many times over. Just make sure you use the perks to the fullest.

Conclusion

Metal credit cards in India combine luxury, rewards, and prestige in one heavy, shiny package. Whether you choose HDFC INFINIA, Axis Magnus, or ICICI Emeralde, you’re unlocking exclusive privileges that go way beyond a swipe. Ready to take your spending game to the next level?

FAQs

Are metal cards heavy to carry daily?

They’re heavier than plastic cards but still fit easily in your wallet.

Do Indian metal cards offer global lounge access?

Yes! Most come with Priority Pass or Dream Folks membership for unlimited international lounges.

Can I get a metal card with average credit?

It’s unlikely. These cards usually require an excellent credit profile and high income.

Are metal cards more secure?

Not inherently, but they’re more durable and less prone to damage.

Are the joining fees for metal cards higher?

Yes, but they often waive fees if you meet the spending threshold.