Best Metal Credit Cards in India (2026)

Heavyweight metal design, ultra-luxury benefits, and VIP concierge services.

Best Metal Credit Cards Credit Cards in India 2026

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Kotak Solitaire Credit Card by Kotak Bank
Joining Fee Nil (1st Year Free)
Annual Fee ₹25,000 + Taxes
Best Suited For Frequent Travelers looking for Zero Forex Fees and Unlimited Lounge Access
Rewards Type Reward Points

Rewards Rate

10 Air Miles per ₹100 spent on flight and hotel bookings via the Kotak Unbox platform; 3 Air Miles per ₹100 spent on all other purchase categories

Welcome Benefits

No disclosed joining bonus; value comes primarily from ongoing travel benefits

Card Details +

Key Advantages

  • ✓ 10 Air Miles per ₹100 on flights and hotels booked via Kotak Unbox, roughly 10% back in miles
  • ✓ Zero forex markup on international transactions
  • ✓ Unlimited domestic lounge access via DreamFolks and unlimited international access via Priority Pass, for primary and add-on cardholders
  • ✓ Discounted stays and free nights at ITC Hotels, Elivaas Villas and Alaya Stays

Limitations

  • ✕ High standard annual maintenance fee barrier of ₹25,000 if not a Solitaire Program account holder
  • ✕ Extremely weak value across non-travel lifestyle verticals like shopping, dining, and movies
  • ✕ Accelerated rewards optimization and prime 1:1 reward redemptions are exclusively locked inside the Kotak Unbox platform
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PNB LUXURA Visa Credit Card by Punjab National Bank
Joining Fee Lifetime Free
Annual Fee Free
Best Suited For High-income Travelers, Unlimited Lounge Access, and Zero Forex Spends
Rewards Type Reward Points

Rewards Rate

4 reward points per ₹100 spent on regular transactions; accelerated 3X reward points (12 points per ₹100 spent) on dining and travel spends; 1 Reward Point = ₹0.25

Welcome Benefits

N/A

Card Details +

Key Advantages

  • ✓ 0% forex markup on international spends
  • ✓ Unlimited complimentary airport lounge access worldwide
  • ✓ 3X reward points on dining and travel
  • ✓ Issued as a metal card

Limitations

  • ✕ High minimum income requirement
  • ✕ Reward cash conversion ratio settles at a modest baseline floor of 4 points = ₹1 value
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IDFC FIRST Mayura Credit Card by IDFC FIRST Bank
Joining Fee ₹5,999* Plus Applicable Taxes
Annual Fee ₹5,999* Plus Applicable Taxes
Best Suited For High-Income Individuals, Frequent International Travel, and Airport Lounge Access
Rewards Type Reward Points

Rewards Rate

Up to 10X reward points on monthly spends above ₹20,000; 1 Reward Point = ₹0.25

Welcome Benefits

12,000 Reward Points (4,000 on joining + 4,000 each on ₹20,000 spend in statement cycles 2 & 3) + up to ₹4,000 cashback on first 4 transactions within 60 days

Card Details +

Key Advantages

  • ✓ Premium metal card design offering high status value
  • ✓ Zero foreign exchange markup fee applied on international spends
  • ✓ Generous international airport lounge policy providing 16 complimentary visits per year
  • ✓ Accelerated 10X reward point multiplier easily unlocked via a ₹20,000 monthly spend threshold

Limitations

  • ✕ Low cash conversion reward redemption parity threshold set at 1 point = ₹0.25
  • ✕ Low net effective value-back yield of just 1.66% even at the maximum 10X reward point accumulation rate
  • ✕ High upfront annual maintenance card fee barrier of ₹5,999 with an absolute absence of a spend-based fee waiver
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Lumiere Credit Card by RBL Bank
Joining Fee ₹50,000 + Taxes
Annual Fee ₹50,000 + Taxes
Best Suited For Golf Privileges & International Rewards
Rewards Type Reward Points

Rewards Rate

4 Reward Points per ₹200 spent (~2%); 20 points per ₹200 (10%) via the Lumiere rewards portal

Welcome Benefits

Welcome gift benefit on card activation & joining fee payment

Card Details +

Key Advantages

  • ✓ Unlimited domestic and international lounge access for cardholder and guests
  • ✓ Golf privileges for the primary cardholder
  • ✓ Complimentary airport meet-and-greet service, zero forex markup
  • ✓ Fee waiver threshold (Annual fee waived on ₹3 Lakh annual retail spends)

Limitations

  • ✕ ₹50,000 annual fee, waived only for ₹2 Crore+ Total Relationship Value clients
  • ✕ Invite-only; not available for direct public application
  • ✕ Golf privileges are limited to the primary cardholder only
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Nova Credit Card by RBL Bank
Joining Fee ₹12,500 + Taxes
Annual Fee ₹12,500 + Taxes
Best Suited For Entry-Level Rewards & Everyday Purchases
Rewards Type Reward Points

Rewards Rate

12 points per ₹200 (6% value-back) on flights/hotels via the Nova booking portal; 4 points per ₹200 on other spends

Welcome Benefits

Taj/Luxe gift vouchers worth ₹12,500 on joining, fully offsetting the fee

Card Details +

Key Advantages

  • ✓ 12 domestic + 12 international lounge visits per year, plus 4 guest visits
  • ✓ Taj/Luxe gift vouchers worth ₹12,500 on joining, fully offsetting the fee
  • ✓ 6% value-back on flights & hotels via the dedicated Nova booking portal
  • ✓ Fee waiver threshold (Annual fee waived on ₹50,000 annual retail spends)

Limitations

  • ✕ ₹12,500 annual fee, high relative to most travel cards
  • ✕ Invite-only; not available for direct public application
  • ✕ Top travel rate only applies via the Nova-specific booking portal
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IDFC FIRST Diamond Reserve Credit Card by IDFC FIRST Bank
Joining Fee ₹3,000 + Taxes
Annual Fee ₹3,000 + Taxes
Best Suited For Ultra Premium Metal Card & Golf Privileges
Rewards Type Reward Points

Rewards Rate

Up to 60 points per ₹150 on hotel bookings (10% value-back) and 40 points per ₹150 on flights (6.6% value-back) via the IDFC FIRST app; 1 point = ₹0.25 elsewhere

Welcome Benefits

Welcome gift benefit on card activation & joining fee payment

Card Details +

Key Advantages

  • ✓ Up to 10% value-back on hotel bookings, 6.6% on flights via the IDFC FIRST app
  • ✓ 2 domestic + 2 international lounge visits per quarter, plus 4 railway lounge visits
  • ✓ Up to 2 complimentary golf rounds/lessons per month
  • ✓ Fee waiver threshold (Annual fee waived on ₹15 Lakh annual retail spends)

Limitations

  • ✕ Lounge and golf benefits require ₹20,000 spend in the preceding month
  • ✕ Reward points redeem at just ₹0.25 outside travel bookings
  • ✕ Best value depends on booking travel through the IDFC FIRST app specifically
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OneCard Metal Credit Card by Federal Bank
Joining Fee Lifetime Free
Annual Fee Free
Best Suited For Metal Card Experience & 5X Reward Categories
Rewards Type Reward Points

Rewards Rate

1% cashback on your top 2 auto-detected spend categories; 0.25% on other spends

Welcome Benefits

Welcome gift benefit on card activation & setup

Card Details +

Key Advantages

  • ✓ 1% cashback on your top 2 spend categories, auto-detected by the app
  • ✓ 4 domestic lounge visits/quarter via Visa Signature
  • ✓ Reward points never expire once earned
  • ✓ Fee waiver threshold (Lifetime free metal credit card)

Limitations

  • ✕ Base reward rate outside top categories is a low 0.25%
  • ✕ Lounge access reporting varies by source; confirm current terms with OneCard
  • ✕ Only 2 spend categories qualify for the 1% rate at a time
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Metal Credit Cards Cards at a Glance

Best Metal Credit Cards Credit Cards Comparison Table
Card Fee Rating
1. Kotak Solitaire Credit Card ₹25,000 + Taxes ★ 3.5 View →
2. PNB LUXURA Visa Credit Card Free ★ 4.0 View →
3. IDFC FIRST Mayura Credit Card ₹5,999* Plus Applicable Taxes ★ 3.0 View →
4. Lumiere Credit Card ₹50,000 + Taxes ★ 4.5 View →
5. Nova Credit Card ₹12,500 + Taxes ★ 4.1 View →
6. IDFC FIRST Diamond Reserve Credit Card ₹3,000 + Taxes ★ 4.9 View →
7. OneCard Metal Credit Card Free ★ 4.6 View →

Frequently Asked Questions

Are metal credit cards actually made of metal?

Yes, typically. Most metal cards use a stainless steel or similar metal core, giving them noticeably more heft than standard plastic cards, primarily for a premium look and feel.

Do metal cards offer better rewards than plastic cards?

Not inherently. The metal construction is cosmetic, and what matters is the specific card's fee, reward rate, and benefits, which vary by issuer regardless of card material.

Are metal credit cards more expensive to get?

Generally yes, since metal cards are usually positioned at the premium or super-premium tier with correspondingly higher annual fees and income eligibility requirements.

Explore Other Card Benefits

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Lounge Access
🌐
Zero Forex
⛽
Fuel Waiver
📱
UPI & RuPay

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