Unlocking luxury: Prestige of Holding a Metal Card

In a world where luxury defines your lifestyle, metal credit cards have emerged as the ultimate symbol of prestige. The distinct weight and feel of a metal credit card signify more than just wealth; it is a tool for a lifestyle that offers unparalleled privileges.

With a range of  premium services, unlimited reward points, and access to elite experiences, metal credit cards such as IDFC FIRST Bank’s Ashva and Mayura offer much more than their plastic counterparts. The Ashva card, marking two regal horses reminiscent of ancient folklore, displays strength and durability and the Mayura card features two regal peacocks – a timeless motif that signifies luxury, elegance, and sophistication. These cards are designed to cater to the refined tastes and demands of individuals who expect nothing less than the best.     

Why do metal credit cards have higher annual charges compared to other cards?
 

The elevated annual fees associated with metal credit cards reflect the premium benefits and exclusive services they provide. Unlike standard credit cards, which may focus on everyday rewards, metal credit cards offer a suite of elite privileges tailored for those who lead a life of luxury.

The manufacturing of metal cards is an expensive process, given the materials and craftsmanship involved. But beyond the physical allure, the higher fees cover a range of services, including travel benefits, and exclusive access to premium lounges and spas. The elevated charges also ensure that the card remains a symbol of exclusivity, available only to those who appreciate and can afford such luxury.

What are the unique benefits of metal credit cards?
 

1. Exclusive access and privileges:

Metal credit cards like IDFC FIRST Bank’s Ashva and Mayura grant you access to a world of exclusive privileges along with a touch of rich Indian heritage. From lounges at domestic and international airports every quarter and exceptionally low forex markup fee, you are entitled to experiences that others can only dream of.

2. Luxury travel benefits:

With metal credit cards, your journeys are elevated to first-class experiences. IDFC FIRST Bank's metal credit cards offer complimentary travel insurance with air accident cover worth ₹1 crore and personal accident cover up to ₹10 lakhs, concierge services, a discounted or zero forex markup fee depending on the card, free trip cancellation for any reason (CFAR), and access to luxury stays, ensuring that your travels are as refined as your lifestyle.

3. Exclusive rewards and loyalty programs:

Metal credit cards offer superior reward points and loyalty programs tailored to your spending patterns. The IDFC FIRST Bank Mayura credit card, a timeless piece of rich Indian heritage, for instance, provides access to exclusive reward programs with up to 10X reward points on incremental spendings that let you indulge in luxury shopping, fine dining, and more, with points that truly matter.

Is the annual fee worth the benefits of a metal credit card?
 

For those who are accustomed to a life of luxury and exclusivity, the annual fee of a metal credit card is not merely a price tag but an investment in a lifestyle that aligns with their status. For instance, the Mayura credit card comes with an annual membership fee and joining fee of ₹5,999, however, the annual benefits you receive can be worth over ₹1,00,000. So, the annual fee on a metal credit card is a modest cost for the exceptional privileges and benefits it offers.

Conclusion
 

IDFC FIRST Bank’s metal credit cards are more than just financial instruments, they are a blend of rich Indian heritage showing elegance, luxury, and strength, as well as reflecting your achievements and success. For those who live by the credo that exclusivity is a lifestyle, the annual fee of a metal credit card is just a small price to pay for the unparalleled privileges and prestige it brings.