💳 Metal Credit Cards offered In Indian Market

[1RC]

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

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	16G (Link)​	10k + GST​	Fee reversal after spending 8L in a year.
HDFC Biz Black Metal	16G (Link)​	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.

* 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)

• 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.

 

[1RC]

I have update the original post for the weights and annual charges of these metal cards.

 

[SPS]

You might want to search a thread where such cards were weight. Go to twitter and see all these cards being weighed.

Sbi Aurum is the heaviest followed by Amex Platinum

 

[BVCBVC is verified member.]

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.

Card Offered	Weight (in Gram; variance -1G +1G)​	Annual Fee (INR; LTF/FYF)​	Comment
American Express Centurion Charge Card	14G​	11L + GST​	-
American Express Platinum Charge Card / American Express Platinum Business Credit Card	17G​	60K + GST 45K + GST (legacy cards)​	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​	20K + GST FYF offered*​	Limited offering. Axis may offer Axis Select/Magnus
HDFC Infinia Credit Card	17G​	12.5K + GST LTF on PVC variant​	Card maybe off reach for many Indians. Reward:INR ratio of 1:1 is great!
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​	50K + GST FYF offered*​	I won't recommend this anymore.
Axis Bank Magnus Credit Card	12G​	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​	10K + GST​
IndusInd Bank Pioneer Heritage Credit Card	18G​
Kotak White Reserve Credit Card		12.5K + GST​
HSBC Premier Mastercard Credit Card	17G​	LTF​
ICICI Emeralde		12k + GST Pre-approved LTF*​	2023 Variant is issued as Metal. Don't expect to recoup the 12k.
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
One-Card Credit Card (Multiple Banking Partners)	​	LTF​	Unsecured metal variant is provided at a fee. If you are a HNI/soon to be HNI as per India, then ignore this card. Its a no harm card.

* 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)

• HDFC Cobranded Apple Credit Card
• ICICI Emeralde Private
• HDFC Infinia Reserve Credit Card

Thank you,
1RC

Citi Prestige -> Axis Select is not a great option I guess. And coming to Magnus also both have difference of 10K in joining fees also.

 

[MONEY]

Can someone tell which is the heaviest card out of all these? It seems all metal cards are not the same weight

For reference
Normal plastic cards are 5g, Axis Magnus is 12g, OneCard is 16g

I know Infinia is heavier than OneCard, but I'm curious which one is the heaviest and feels most premium

Kotak black is the most premium and beautiful card , but it's a debit card.

 

[ray8285]

Surprising no one here mentioned the Indusind “Vistara Explorer” Visa Signature !!! It is issued in “metal” as well !! …

 

[magneto]

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.

Card Offered	Weight (in Gram; variance -1G +1G)​	Annual Fee (INR; LTF/FYF)​	Comment
American Express Centurion Charge Card	14G​	11L + GST​	-
American Express Platinum Charge Card / American Express Platinum Business Credit Card	17G​	60K + GST 45K + GST (legacy cards)​	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​	20K + GST FYF offered*​	Limited offering. Axis may offer Axis Select/Magnus
HDFC Infinia Credit Card	17G​	12.5K + GST LTF on PVC variant​	Card maybe off reach for many Indians. Reward:INR ratio of 1:1 is great!
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​	50K + GST FYF offered*​	I won't recommend this anymore.
Axis Bank Magnus Credit Card	12G​	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​	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		12k + GST Pre-approved LTF*​	2023 Variant is issued as Metal. Don't expect to recoup the 12k.
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
One-Card Credit Card (Multiple Banking Partners)	​	LTF​	Unsecured metal variant is provided at a fee. If you are a HNI/soon to be HNI as per India, then ignore this card. Its a no harm card.

* 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)

• HDFC Cobranded Apple Credit Card
• ICICI Emeralde Private
• HDFC Infinia Reserve Credit Card

Thank you,
1RC

IndusInd Avios (Qatar & British Airways) and Vistara Explorer, both are in metal too!

 

[codenerd]

IndusInd Avios (Qatar & British Airways) and Vistara Explorer, both are in metal too!

Yes thats right!

https://www.indusind.com/content/dam/indusind-corporate/avios-visa-infinite-credit-card/avios-visa-infinite-cc-tnc.pdf

 

[Deleted member 11974]

vistara indus is metal didnt know that

 

[ray8285]

Can someone tell which is the heaviest card out of all these? It seems all metal cards are not the same weight

For reference
Normal plastic cards are 5g, Axis Magnus is 12g, OneCard is 16g

I know Infinia is heavier than OneCard, but I'm curious which one is the heaviest and feels most premium

I own a few from the list & have held few others in my hand, amongst all I have laid my hand on, I will say the IndusInd Vistara Explorer “feels” the heaviest ! I will get a scale and post the weight here !

 

[magneto]

I own a few from the list & have held few others in my hand, amongst all I have laid my hand on, I will say the IndusInd Vistara Explorer “feels” the heaviest ! I will get a scale and post the weight here !

Agreed! Explorer definitely feels heavier than most cards, especially magnus 😂

 

[Hisoka]

I own a few from the list & have held few others in my hand, amongst all I have laid my hand on, I will say the IndusInd Vistara Explorer “feels” the heaviest ! I will get a scale and post the weight here !

But why do you have that card? 🤔
Was it offered to you as LTF?

 

[ray8285]

Agreed! Explorer definitely feels heavier than most cards, especially magnus 😂

Yeah, people who say Sbi aurum, Amex plat charge, Citi prestige, Axis reserve is heavy should hold the IndusInd Vistara explorer to actually realise how heavy that card actually is ... It will easy "over" 18g !

 

[ray8285]

But why do you have that card? 🤔
Was it offered to you as LTF?

Nope it was not. However, I do a lot of spending on IndusInd cards.

Why I got the card :- (Welcome benfits)
I was offered an "upgrade" from the "LTF Pinnacle" to Vistara Explorer for 10K initiation fee + GST & I gladly accepted. I got the Welcome benefit of 1 business class ticket + the Vistara Gold class status F.Y + 2 upgrade vouchers as welcome benefit.

Milestone benefits :-
I, shifted some spends from all of my other card on to this card & achieved the 15L mile stone in 8 months. 5 more business class tickets already credited along with almost 12,725 CV points till date, all for 11.8K incl GST.

Other benefits:
BOGO upto 700 X 2 a month = 1,400 a month (Covers one of your Gold class tickets most times), 4 X International lounge access a quarter, NO Over limit Fee (though it is not advisable to go over limit on your card), 0% INTERNATIONAL MARK-UP & few others.

So, Of course it is not for everyone, but if you're a high roller & spending at least 15L a year, like to travel & have international spends, this card is rewards you handsomely. Though Indusind downgrade the Vistara Gold status second year onwards, but the rest of the perks & the % return outweighs this.

 

[ray8285]

Just to add, I'm try to negotiate with IndusInd to make it LTF / Waive off the second year fee, which they are refusing despite several negotiations over emails & calls.

So, I took the gamble & asked them to downgrade the card "saying it is useless to me", they came back to me saying they can give me Avios BA / Qatar FYF & I politely declined, then they "even" offered me the
"Indulge" (I have 4.32 Limit with InusInd & Not the 5L floor limit required for this card) with 45K Initiation fee & 50K vouchers against it, with LTF free card (NO annual fee), again I declined. I have asked them either for unconditional "LTF Indulge" (with 0 Joining fee) or SYF Vistara Explorer, awaiting a response now.

 

[Hisoka]

Nope it was not. However, I do a lot of spending on IndusInd cards.

Why I got the card :- (Welcome benfits)
I was offered an "upgrade" from the "LTF Pinnacle" to Vistara Explorer for 10K initiation fee + GST & I gladly accepted. I got the Welcome benefit of 1 business class ticket + the Vistara Gold class status F.Y + 2 upgrade vouchers as welcome benefit.

Milestone benefits :-
I, shifted some spends from all of my other card on to this card & achieved the 15L mile stone in 8 months. 5 more business class tickets already credited along with almost 12,725 CV points till date, all for 11.8K incl GST.

Other benefits:
BOGO upto 700 X 2 a month = 1,400 a month (Covers one of your Gold class tickets most times), 4 X International lounge access a quarter, NO Over limit Fee (though it is not advisable to go over limit on your card), 0% INTERNATIONAL MARK-UP & few others.

So, Of course it is not for everyone, but if you're a high roller & spending at least 15L a year, like to travel & have international spends, this card is rewards you handsomely. Though Indusind downgrade the Vistara Gold status second year onwards, but the rest of the perks & the % return outweighs this.

Wow. Just curious, for same amount on Magnus you could’ve got 4.2L points and fee waiver for next year. Even if just talk about Vistara business class, these points are equivalent to 20 business class tickets. And not forgetting miles are much more flexible than just business class from Vistara 😅

 

[ray8285]

Wow. Just curious, for same amount on Magnus you could’ve got 4.2L points and fee waiver for next year. Even if just talk about Vistara business class, these points are equivalent to 20 business class tickets. And not forgetting miles are much more flexible than just business class from Vistara 😅

Well that will only comes in to the equation if axis would approve me for a card, which they are not 🤣🤣

 

[D3V1L]

add the new metal card in the market from AU bank. AU Zenith+ metal card 😁

 

[anirban.choudhuryanirban.choudhury is verified member.]

Just to add, I'm try to negotiate with IndusInd to make it LTF / Waive off the second year fee, which they are refusing despite several negotiations over emails & calls.

So, I took the gamble & asked them to downgrade the card "saying it is useless to me", they came back to me saying they can give me Avios BA / Qatar FYF & I politely declined, then they "even" offered me the
"Indulge" (I have 4.32 Limit with InusInd & Not the 5L floor limit required for this card) with 45K Initiation fee & 50K vouchers against it, with LTF free card (NO annual fee), again I declined. I have asked them either for unconditional "LTF Indulge" (with 0 Joining fee) or SYF Vistara Explorer, awaiting a response now.

Just curious to know why you want to convert vistara card to LTF ?
11800 for a complementary Business class is not bad.
Converting a vistara card from any bank to LTF simply beats the purpose of having a vistara card in the first place.

 

[ray8285]

Just curious to know why you want to convert vistara card to LTF ?
11800 for a complementary Business class is not bad.
Converting a vistara card from any bank to LTF simply beats the purpose of having a vistara card in the first place.

Most of my travel is international, however; IndusInd did not have the QR Avios back then otherwise would have taken that.

The milestone benefits still got me 5 complementary J class for the first & that’s more than enough for me as I don’t travel domestic much but when I do, I like the J class experience.

Also, the 2X2 ₹3000 ED voucher code (1 primary + 1 add-on) half yearly along with ₹700 BOGO BMS seemed a good value, though CV gold tier downgrade from the S.Y was was a bummer.

However after Avios Infinite was launched, this seems the more obvious choice as it suits my lifestyle better, hence the pressure tactic to either convert Vistara to LTF or offer FYF Avios in lieu (I do not want to pay the 40K joining fee again). However, NO luck yet !

 

[beast_boy]

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.

Card Offered	Weight (in Gram; variance -1G +1G)​	Annual Fee (INR; LTF/FYF)​	Comment
American Express Centurion Charge Card	14G​	11L + GST​	-
American Express Platinum Charge Card / American Express Platinum Business Credit Card	17G​	60K + GST 45K + GST (legacy cards)​	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​	20K + GST FYF offered*​	Limited offering. Axis may offer Axis Select/Magnus
HDFC Infinia Credit Card	17G​	12.5K + GST LTF on PVC variant​	Card maybe off reach for many Indians. Reward:INR ratio of 1:1 is great!
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​	50K + GST FYF offered*​	I won't recommend this anymore.
Axis Bank Magnus Credit Card	12G​	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​	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		12k + GST Pre-approved LTF*​	2023 Variant is issued as Metal. Don't expect to recoup the 12k.
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​
One-Card Credit Card (Multiple Banking Partners)	​	LTF​	Unsecured metal variant is provided at a fee. If you are a HNI/soon to be HNI as per India, then ignore this card. Its a no harm card.

* 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)

• HDFC Cobranded Apple Credit Card
• ICICI Emeralde Private
• HDFC Infinia Reserve Credit Card

Thank you,
1RC

How to Get HDFC Infinia, Axis Burgundy Private, Axis Magnus, HSBC Premier, ICICI Emeralde as LTF bro.