I am crowdsourcing this list and trying to create a single repository of all metal credit cards being offered in India. Please feel free to provide your suggestions in the comment and we can have this article up-to-date with the latest offerings in the market.
Last Updated: November 10, 2023
* On meeting certain banking needs such as TRV, RM/BM push etc. Simple business case to case.
** As long as banking status is maintained
Soon to launch (more than just speculation at this point)
Thank you,
1RC
This article would not be possible without the help of our members. So thank you everyone.
Last Updated: November 10, 2023
| Card Offered | Weight (in Gram; variance -1G +1G) | Annual Fee (INR; LTF/FYF) | Comment |
|---|---|---|---|
| American Express Centurion Charge Card | 14G (Link) | 11L + GST | - |
| American Express Platinum Charge Card / American Express Platinum Business Credit Card | 17G (link) | 60K + GST 45K + GST (legacy cards) | Amex Platinum is being offered for 60K+GST with 1.15L joining reward points. Amex Platinum Corporate Card is different from Business Credit Card. B'CC is for commercial expenses. Personally, this is the best offering from Amex. |
| Citibank Prestige Credit Card | 10G (Link) | 20K + GST FYF offered* | Limited offering. Axis may offer Axis Select/Magnus. Consider this card off reach now India after Axis takeover. |
| HDFC Infinia Credit Card | 17G (Link) | 12.5K + GST LTF on PVC variant | Travel spend-based card. If you prefer getting rewarded over flights / hotels. Reward to INR ratio of 1:1 is great! ONLY with Smartbuy. |
| HDFC DCB Metal Credit Card | 18G (Link) | 10k + GST | Fee reversal after spending 8L in a year. |
| HDFC Biz Black Metal | To be updated | 10k + GST | Fee waiver - spent Rs. 7.5L in a year. or spend Rs.1.5 Lakhs in first 90 days of card issuance to get First Year Joining Fee waived off (Applicable for fresh issuance only) |
| IDFC First Private Credit Card | 17G | 50k + GST FYF offered* | |
| Axis Bank Burgundy Private - One Card | 18G | LTF** | Sounds like One-Card but much cooler, much expensive & still holds 5:4 transfer ratio. Maintain a very high NRV with Axis. |
| Axis Bank Reserve Credit Card | 17G (link) | 50K + GST FYF offered* | I won't recommend this anymore. |
| Axis Bank Magnus for Burgundy Credit Card | 12G (link) | LTF* | Only issued to Axis Burgundy customers. You get the coveted 4:3 transfer ratio to transfer partners. No more 25k milestone bonus. Still has edge over Infinia. |
| Axis Bank Magnus Credit Card | 12G (link) | 10K + GST LTF & FYF offered* | Axis is giving this card out like candies. Anyone with 3-4L CC can apply. Keep it if you have it as LTF otherwise ignore. |
| SBI Aurum Credit Card | 17G (link) | 10K + GST | |
| IndusInd Bank Pioneer Heritage Credit Card | 18G | ||
| Kotak White Reserve Credit Card | 12.5K + GST | ||
| HSBC Premier Mastercard Credit Card | 17G | LTF | You can only get metal variant of this card after spending 20L in a year. |
| ICICI Emeralde Private Metal Credit Card | 17G (link) | 12k + GST | 2023 Variant is issued as Metal. You will get equal RP points; 1RP = 1Rs. |
| DSB Vantage | 50k + GST 20K + GST 10K + GST | The card has annual fee of Rs 50k. However, for DBS Bank’s Treasures Elite customers fee is Rs 10k & for the Treasures customers fee is Rs 20k. | |
| Yes Bank BYOC | 3,499 + GST | Additional fee for metal variant | |
| IndusInd Avios (Qatar & British Airways) | 40k Joining Fee 10k Annual Fee | ||
| IndusInd Vistara Explore | 40k Joining Fee 10k Annual Fee | ||
| AU Zenith+ Metal Credit Card | 4,999 + GST | Subsequent year fee reversal after spending 8L in a year. | |
| One-Card Credit Card (Multiple Banking Partners) | 18G (link) | LTF | Unsecured metal variant is provided at a fee (if one is upgrading from PVC). It's a decent card. Go for it! I'll say members who are new to CC game, get the metal. |
** As long as banking status is maintained
Soon to launch (more than just speculation at this point)
- HDFC Cobranded Apple Credit Card
- HDFC Infinia Reserve Credit Card
Thank you,
1RC
This article would not be possible without the help of our members. So thank you everyone.
Last edited:
