Best Metal credit cards:Metal cards are a special type of payment card. These cards are more expensive and different than plastic credit cards. These cards are made of stainless steel or metal alloy, which increases their durability. Metal credit cards are usually designed for ultra-high net worth customers and come with a variety of perks like high reward points, premium travel benefits, and exclusive membership, lifestyle and other categories.
Metal cards have lower interest rates than normal credit cards. However, such cards come with higher annual charges. For your convenience, a list of metal credit cards issued by leading banks and others has been shared here. You can check the details about the features and charges of the cards included in the list here.
HDFC Infinia Metal Credit Card
This is a premium medal credit card issued by the largest private sector bank HDFC Bank. You can check the features of the card here.
Using this metal card at ITC hotels will give you access to free nights and buffet system. However, you may have to pay a nominal authority charge to avail this feature.
On this card, the user gets complimentary Marriott Club membership for 5 years for free. In this case, the services of Marriott hotels and restaurants in the country and Asia Pacific can be availed with concession.
On using this card, the user gets the benefit of unlimited access to the lounges of domestic and international airports. This benefit is for the cardholder and add-on members.
You get 5 reward points for every Rs 150 spent through the card.
Along with this, concierge service (Global Personal Concierge) is available 24 hours a day, 7 days a week.
Joining/Renewal Membership Fee: Rs 12,500 plus applicable taxes.
On activation of the card, 12,500 reward points are received as welcome and renewal benefit.
Renewal membership charges are waived if you spend Rs 10 lakh or more through the card in the last 12 months.
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HDFC Biz Black Metal
This card is also issued by HDFC Bank. Know about its specialties here
5X reward points are earned when the card is used for select expenses. It is important to note that 5X reward points can be earned by spending at least Rs 50,000 on the card in one statement cycle.
Using this card, you get unlimited access to lounges of more than 1000 global level airports. This benefit is for the primary user and add-on members of the card.
Unlimited access to airport lounges is valid only for active cardholders.
The joining and renewal membership charge for the card is Rs 10,000 plus applicable taxes. If you spend Rs 7.5 lakh or more on the card in the last 12 billing cycles i.e. in one year, the renewal charge for the card will be waived for the next year. If you spend Rs 1.5 lakh through this metal card within the first 90 days of card issuance, the joining fee for the first year will be waived. This benefit is applicable only for fresh card issuance.
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SBI Aurum Credit Card
The last card in the list is issued by SBI Card. Read about the special features of this metal card.
You can enjoy 16 rounds of golf for free in every calendar year.
Gain access to Master the Greens with golf lessons 12 times per calendar year
With this card, you will get free DreamFolks Membership. Along with this, you will get free access to the lounges of more than 1000 international airports. Also, you will be able to avail this facility for free for one guest once in a quarter.
You will get free access to domestic airport lounges 4 times every quarter.
For premium cards, the joining and renewal charges will be Rs 9999 plus applicable taxes. The renewal charges may also be waived if you spend Rs 12 lakh or more in a year through the card.
On joining, the card comes with a benefit of 40,000 reward points, which is worth Rs 10,000. The reward points can be redeemed on the rewards portal or for Club Vistara airmiles at a cost of 25 paise.
(Credit: paisabazaar)
