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Metal vs. plastic: Why switch to IDFC FIRST Bank metal credit cards

17 Jan 2025 by Team FinFIRST
metal credit card
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Your lifestyle choices say a lot about you and your status. Premium brands in your closet, international trips, club memberships, etc., signify luxury. While you choose all things premium, why ignore the humble credit card?

Plastic credit cards are the most common in the market, owned by most card users. If you are looking for something more premium, choose metal credit cards.

Metal credit cards are the latest in the market, offering a premium look and feel. They are more durable and go a step beyond plastic credit cards in terms of rewards and benefits. Think of metal credit cards as being in the luxury niche both in terms of looks and benefits.

Metal credit cards score over plastic cards on other parameters, too. Let’s compare.

READ MORE

What sets metal credit cards apart as the ultimate status symbol?
Mumbai airport lounge access unlocked with a metal credit card

Metal cards vs. plastic cards: A comparative analysis
 

The following table shows the parameters for which metal credit cards differ from plastic ones.

Parameter

Metal credit cards

Plastic credit cards

Look and feel

Designer look and premium feel

The look can be designer, but the feel is normal

Durability

Very durable as they do not break easily

Less durable and can break with a little effort

Ownership pride

A symbol of luxury and prestige

A simple card which has limited cosmetic value

Rewards and benefits

Accelerated rewards, premium benefits, and luxurious perks. Common examples include –

  1. Golf programs
  2. Offers on premium stays and airlines
  3. Access to premium rewards and perks
  4. Added benefits on international spends

Accelerated rewards, good benefits and normal perks. Common examples include –

  1. Cashbacks and discounts across popular brands
  2. Lounge access
  3. Complimentary insurance
  4. Dining and lifestyle benefits

Joining fee

High

Low. Some cards are even free for their lifetime

Eligibility

Usually offered to High Net-Worth Individuals (HNIs) or people earning a high annual income

The minimum income requirement is low. Secured cards are also available for new-to-credit individuals

With enhanced privileges and a premium look, metal credit cards can be a good long-term investment that also enhances your living standard.

Ready to elevate your lifestyle to something more premium? Choose IDFC FIRST Bank metal credit cards and redefine luxury.

IDFC FIRST Bank metal credit cards: Your gateway to luxury
 

IDFC FIRST Bank offers two premium metal credit cards – Ashva and Mayura. Both these cards have a premium look that is rooted in India’s rich cultural background. Here’s a little bit more about these cards and what they offer.

1. Ashva Credit Card

The Ashva Credit Card features two regal horses and symbolises the durable bond between a rider and his steed. Weighing 12 grams with a solid metal body, the Ashva Credit Card has a regal look.

2. Mayura Credit Card

Featuring two peacocks and crafted with premium metal, the Mayura Credit Card weighs 17 grams. With a distinct shimmer in every angle, the card gives you an ultimate luxury experience on each swipe.

The features and benefits of the IDFC FIRST Bank Metal Credit Cards are as follows –

Category

Ashva

Mayura

Reward points
  1. Up to 10X reward points on incremental spends above ₹20,000 in a billing cycle and on your birthday
  2. Up to 5X reward points on spending up to ₹20,000 in a billing cycle
  3. 7,500 reward points, worth ₹1,875, upon payment of annual fee and spending a minimum of ₹8 lakhs in a year
  1. Up to 10X reward points on spending more than ₹20,000 in a billing cycle and on your birthday
  2. Up to 5X reward points on spending up to ₹20,000 in a billing cycle
  3. 7,500 reward points, worth ₹1,875, upon payment of annual fee and spending a minimum of ₹8 lakhs in a year or 15,000 reward points, worth ₹3,750, on spending a minimum of ₹15 lakhs

Welcome benefits

₹500 cashback on four transactions worth ₹500 or more within the first 60 days of card generation

₹1,000 cashback on four transactions worth ₹1,000 or more within the first 60 days of card generation

Travel perks
  1. 1% forex markup fee
  2. Four complimentary domestic lounge visits in a quarter
  3. Two complimentary international lounge visits in a quarter
  4. Free trip cancellation protection of up to ₹25,000 twice every year
  5. Four complimentary railway lounge visits every quarter
  1. Zero forex markup fee
  2. Four complimentary domestic lounge/spa visits in a quarter
  3. Four complimentary international lounge visits in a quarter
  4. One complimentary guest visit per quarter to the domestic airport lounges
  5. Free trip cancellation protection of up to ₹50,000 twice every year
  6. Four complimentary railway lounge visits every quarter

Lifestyle benefits
  1. Spend more than ₹20,000/month and get two complimentary golf rounds/lessons
  2. Buy-one-get-one movie tickets, up to ₹400, on BookMyShow
  3. 1% fuel surcharge waiver of up to ₹400
  1. 24 complimentary golf rounds/lessons annually
  2. Buy-one-get-one movie tickets, up to ₹500, on BookMyShow
  3. 1% fuel surcharge waiver of up to ₹500

Complimentary insurance
  1. Air accident cover of ₹1 crore
  2. Personal accident cover of ₹10 lakhs
  3. Lost card liability cover of ₹50,000
  4. Travel insurance cover worth $1200
  5. Roadside assistance worth ₹1,399
  1. Air accident cover of ₹1 crore
  2. Personal accident cover of ₹10 lakhs
  3. Lost card liability cover of ₹50,000
  4. Travel insurance cover worth $1200
  5. Roadside assistance worth ₹1,399

 

 

Choose luxury and redefine your lifestyle
 

Why compromise on grandeur when metal credit cards are at your disposal!?

Redefine your lifestyle with premium metal cards and enjoy all things luxury. Besides the regal look of these cards, enjoy high-end perks and accelerated rewards for an elevated lifestyle. IDFC FIRST Bank Metal Credit Cards can be the right status symbol, unlocking a world of premium benefits. Apply for a suitable card and live life king-size.

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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