Best Metal Credit Cards: Lower Interest Rates and Higher Rewards

Posted By MV Prakash
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Are you looking for a great credit card? Consider metal credit cards, which offer numerous advantages over regular ones.

Lower interest rates and higher reward points make them a smart choice for various financial needs, including emergencies.

While metal cards typically have higher annual fees, they provide exclusive perks such as increased rewards and special deals. The top seven metal credit cards offered by leading banks in the country are:

1. HDFC Infinia Metal Credit Card:

  • Stay for free at ITC hotels and enjoy buffet dining.
  • First-year complimentary Club Marriott membership.
  • Unlimited lounge access at international airports.
  • 5 reward points for every Rs.150 spent.
  • 24×7 Global Personal Concierge.
  • The joining fee is Rs.12,500, and additional taxes are charged.

2. HDFC Biz Black Metal Credit Card:

  • 5X reward points on business spending.
  • Unlimited access to 1000+ airport lounges worldwide.
  • Membership fee up to Rs.10,000 with applicable taxes.
  • Spend Rs.7.5 lakh in a year to waive the renewal fee for the following year.

3. IDFC First Private Credit Card:

  • Earn 6X reward points for monthly spending over Rs.30,000.
  • Complimentary golf rounds or lessons worth over Rs.40,000 twice a month.
  • 10X reward points on birthday spending.
  • Joining fees and benefits apply.

4. Amex Platinum Charge Card (American Express):

  • 3X Membership Rewards Points on foreign spending.
  • The joining fee is Rs.60,000, and taxes apply.

5. ICICI Emerald Private Metal Credit Card:

  • Complimentary, easy diner prime membership for 12 months.
  • 12,500 ICICI Rewards points as a bonus.
  • A joining fee of Rs.12,499 and recovery options are available.

6. Axis Bank Burgundy Private Credit Card:

  • 24×7 assistance for flight bookings, table reservations, and gift deliveries.
  • Discounts are available at fine dining restaurants and Book My Show tickets.
  • Fuel surcharge exemption and other benefits.

7. SBI Aurum Credit Card:

  • 16 complimentary rounds of golf and 12 lessons per year.
  • Unlimited international airport lounge access and domestic access perks.
  • Annual fee of Rs.9999 + Taxes.

These cards offer various welcome gifts, renewal benefits, and complementaries, making them worth considering based on your needs and spending habits.

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