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Metal credit cards: Redefining luxury for sophisticated minimalists

31 Jan 2025 by Team FinFIRST

how to live a luxury lifestyle

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Living and maintaining a luxury lifestyle often means balancing elegance with functionality. This is why metal credit cards have emerged as a perfect blend of these two values for the sophisticated minimalist. These cards symbolise status, exude simplicity, and align seamlessly with a minimalist's approach to life—making them a must-have for anyone who appreciates functional luxury.

Find out why metal credit cards are perfect for the sophisticated minimalist and the benefits of choosing the Ashva and Mayura Credit Cards offered by IDFC FIRST Bank.

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Mumbai airport lounge access unlocked with a metal credit card

What sets metal credit cards apart as the ultimate status symbol?

Why metal credit cards are a growing trend

Metal credit cards are more than just a payment tool; they represent an evolution in lifestyle management and money-spending habits. Here’s why –

Exclusivity and status
1. Metal credit cards are often reserved for high-net-worth individuals, adding a sense of exclusivity due to their limited availability
2. They are perceived as a statement piece, enhancing the owner’s social stature
Durability and design
1. Made from premium metals, these cards last longer than traditional plastic cards
2. Their sleek, sophisticated design resonates with those who value aesthetics and quality
Practical benefits
1. Metal credit cards offer premium perks like airport lounge access, zero forex markup and high rewards on expenditures
2. They simplify lifestyle management with elite benefits tailored for affluent users

Aligning metal credit cards with minimalism

Minimalism is about quality over quantity—owning fewer things that offer more value. Metal credit cards fit this ethos perfectly –

Streamlined transactions – Metal credit cards offer all-in-one solutions for travel, dining, and shopping, reducing the need for multiple tools.
Functional elegance – Their understated yet premium look complements the refined tastes of minimalists.
Smart money spending – High reward rates and exclusive privileges ensure every transaction is rewarding.

Benefits of metal credit cards at a glance

Feature	Benefit
Premium materials	Long-lasting, sleek design
Exclusive perks	Access to international airport lounges, exceptionally low forex markup, enhanced travel-related benefits
High reward rates	Greater returns on spending

Metal credit cards by IDFC FIRST Bank: The Ashva and Mayura Credit Cards

IDFC FIRST Bank offers two remarkable options in the metal credit card space: the Ashva and Mayura Credit Cards. These premium metal credit cards are made for high-end lifestyles and offer a fine blend of luxury, rewards, and monetary benefits, setting them apart in the credit card segment.

Here’s what makes these metal credit cards stand out –

Sophisticated design – Both cards are crafted with an emphasis on minimalism and elegance.
Elite benefits – These cards provide complimentary lounge access, zero forex markup, golf rounds and lessons, and other benefits.
Rewarding lifestyle – High reward points on travel, dining, and shopping, ensuring every expense adds value.

Comparing the features and benefits of the Mayura and Ashva Credit Cards

Feature	Mayura Credit Card	Ashva Credit Card
Forex markup	0%	1%
Airport lounge access	● 4 complimentary domestic airport lounge visits per quarter ● 4 complimentary international airport lounge visits per quarter ● 1 complimentary guest access to a domestic airport lounge per quarter included in the overall domestic lounge benefit	● 4 complimentary domestic airport lounge visits per quarter ● 2 complimentary international airport lounge visits per quarter
UPI payments	Yes, with the FIRST Digital RuPay Add-On Credit Card	Yes, with the FIRST Digital RuPay Add-On Credit Card
Joining benefit	Up to ₹4,000 in cashback: ₹1,000 cashback on any four transactions of ₹1,000 or above made within 60 days of card generation	Up to ₹2,000 in cashback: ₹500 cashback on any four transactions of ₹500 or above made within 60 days of card generation
Rewards	● Up to 5X reward points on spending up to ₹20,000 in a statement cycle ● Up to 10X reward points on spending above ₹20,000 and on your birthday	● Up to 5X reward points on spending up to ₹20,000 in a statement cycle ● Up to 10X reward points on spending above ₹20,000 and on your birthday
Trip cancellation coverage	Reimbursement up to ₹50,000 twice a year for non-refundable flight and hotel cancellation	Reimbursement up to ₹25,000 twice a year for non-refundable flight and hotel cancellation
Annual fee payment benefit	Spend a minimum ₹8 lakhs in the previous card anniversary year and get 7,500 reward points, or spend a minimum of ₹15 lakhs and get 15,000 reward points	Spend a minimum ₹8 lakhs in the previous card anniversary year and get 7,500 reward points
Joining fee	₹5,999 + GST	₹2,999 + GST

Why choose metal credit cards from IDFC FIRST Bank?

For those wondering how to live a lifestyle of quiet luxury and minimalism, the Ashva and Mayura Credit Cards by IDFC FIRST Bank provide the perfect solution. They combine –

Minimalist appeal – Their simple, streamlined design embodies a clutter-free ethos.
Practical luxury – From exclusive privileges to premium services, these cards enhance your everyday experiences.

Conclusion

Metal credit cards have become indispensable to a sophisticated, minimalist lifestyle. Their exclusivity, functionality, and impeccable design make them a smart choice for individuals who value luxury and simplicity. IDFC FIRST Bank offers the Ashva and Mayura Credit Cards to elevate this experience further, making every transaction a step towards a refined, rewarding life.

For those exploring how to live a luxury lifestyle, the Mayura and Ashva Credit Cards are ideal partners if you want to enjoy refinement and functionality while expanding your financial journey.

Disclaimer

The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject IDFC FIRST Bank or its affiliates to any licensing or registration requirements. IDFC FIRST Bank shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.

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credit card
luxury
lifestyle