Pros of Metal Credit Cards
Aesthetic Appeal: Metal cards are sleek and stylish, catching attention whenever you pull them out.
Exclusive Perks: Many come with concierge services, lounge access, travel credits, and premium rewards programs—ideal for frequent travelers.
Enhanced Security: With advanced features like RFID-blocking and EMV chips, they offer better protection from fraud.
Durability: These cards are sturdier than plastic ones, lasting longer and minimizing the need for replacements.
Cons of Metal Credit Cards
High Annual Fees: Many metal cards come with steep fees, which may not be justified by the benefits for everyone.
Limited Acceptance: Not all merchants are equipped to handle the unique composition of metal cards.
Weight: While the heft might feel premium, it could be cumbersome for those who prefer a lighter wallet.
Environmental Impact: Producing and disposing of metal cards can be less eco-friendly compared to plastic ones.
Are They Really Worth It?
In India, whether you should get a metal credit card depends on your lifestyle. For instance, OneCard offers the luxury of a metal card without annual fees, making it a great option for those who want a premium feel without added costs. On the other hand, the Amex Platinum Card comes with a hefty ₹60,000 annual fee but provides top-tier benefits like travel credits, airport lounge access, and more—perfect for those who value high-end travel experiences.