In India’s evolving financial landscape, credit cards have become more than just a payment tool—they are a statement of lifestyle, convenience, and status. Among the various types of credit cards available, metal credit cards have emerged as a premium offering, capturing the attention of affluent consumers with their sleek design and exclusive benefits, unlike regular credit cards, which are typically made of plastic.
However, the differences between metal and regular credit cards go beyond aesthetics, encompassing features, costs, and suitability for different users. This article explores the key differences between metal and regular credit cards, helping consumers make informed choices based on their financial needs and lifestyle preferences.
Metal Credit Cards vs. Regular Credit Cards: Key Differences
Below are the main differences between metal credit cards and regular credit cards, focusing on their features and benefits.
1. Build and Design
Metal credit cards are made of stainless steel, titanium, or other such materials. This makes them look premium and feel heavy. On the other hand, regular cards are made of lightweight plastic. Metal cards stand out and show the owner’s status, but regular plastic cards are more common and affordable.
2. Fees and Eligibility
Metal cards have high yearly fees – from several thousand rupees to over a lakh. Only buyers from the very high-income class can afford them. However, regular cards have lower fees, even zero in some cases. So they are easier for average people to get.
3. Offers and Privileges
Metal cards offer more travel, dining, shopping points and deals, like airport lounge access, hotel stays, dining at top restaurants, etc. They suit affluent buyers. Regular cards have fewer lifestyle benefits and give basic rewards for expenses like groceries and fuel costs.
4. Ease with Travel
Metal cards improve travel by offering free airport lounge visits, hotel stays, flight upgrades, and travel insurance. Regular cards may offer some lounge access but not other privileges, making metal cards better for frequent flyers.
5. Strength and Life
Metal is strong and lasts many years without damage, compared to plastic. Metal cards remain looking new despite rough use. Regular plastic cards can get scratched or damaged at the edges over time.
6. Fees on International Use
When using the card abroad, metal cards charge lower or no foreign fees. This saves money for people who travel overseas for trips or to buy things. Regular cards have fees of 3-4% on international spending.
7. Status Symbol
Metal cards are seen as exclusive and a sign of luxury. Owning one brings prestige for successful professionals in India. Regular cards, even if applicable, do not give this elite tag.
Conclusion
People in India choose between metal and regular credit cards for various reasons, including their preference, lifestyle, and financial capacity. Customers who search for top-end experiences while willing to pay elevated yearly expenses choose metal credit cards for their premium design, combined with superior reward systems and exclusive travel advantages.
Regular credit cards offer benefits such as affordability and accessibility, along with practical rewards, making them a more suitable option for most people in India and customers with regular spending patterns. Before you apply for credit card, check your spending patterns, travel frequency, and budget to confirm that the card meets your requirements.
