What is a metal card?

Credit cards have become essential financial tools, offering more than just a payment solution. Over the years, credit cards have evolved into symbols of status and luxury, especially with the introduction of premium options like metal credit cards. While plastic cards dominate the market, metal credit cards are designed for elite customers, providing them with exclusive privileges, unmatched durability, and an elevated sense of prestige. IDFC FIRST Bank’s Ashva and Mayura Metal Credit Cards stand out as exceptional examples of this luxury.

What are metal credit cards?
 

Metal credit cards are a premium form of credit cards, typically crafted from materials like stainless steel. Unlike plastic cards, metal credit cards are heavier and more durable, making them not just financial tools but also status symbols. With unique designs, customisable features, and exclusive benefits, metal credit cards — like IDFC FIRST Bank’s Ashva and Mayura — are designed for those who value both luxury and sophistication and are admirers of fine artforms of ancient India.

History of metal credit cards
 

Metal credit cards have a relatively modern history compared to traditional plastic cards. They are known for their durability, premium feel, aesthetic appeal, exclusive benefits, and status symbol. Moreover, the metal cards offered by IDFC FIRST Bank metal cards offering premium perks such as travel rewards and access to premium airport lounge.  Metal Cards were first introduced in the early 2000s seeking to cater to a selective privileged clientele. IDFC FIRST Bank followed the same suit, offering metal cards with exclusive benefits tailored for affluent customers IDFC FIRST Bank has since introduced its own premium offerings, the Ashva and Mayura Metal Credit Cards, which not only provide top-tier financial benefits but also embrace the elegance of ancient Indian art.

Features & benefits of metal credit cards from IDFC FIRST Bank
 

IDFC FIRST Bank Ashva Credit Card

• Welcome Offer: Up to ₹2000 cashback
• Exclusive travel Privileges: 4 complimentary domestic airport lounge and spa visits, 2 international airport lounge visits, and free trip cancellation cover of up to ₹25,000 in a year.
• Rewards Program: Up to 10X reward points on spends above ₹20,000 and 5X reward points on spends up to ₹20,000 in a statement cycle.
• Low Forex Markup Fee: Save on international transactions with a low 1% forex markup fee.
• Exclusive Lifestyle Privileges: Complimentary golf rounds, Buy1Get1 movie offers on BookMyShow, and a 1% fuel surcharge waiver.
• Comprehensive Insurance: ₹1 crore air accident cover, ₹10 lakh personal accident insurance, and lost card liability protection.

IDFC FIRST Bank Mayura Credit Card

• Welcome Benefit: Up to ₹4000 cashback
• No Forex Markup Fee: Zero forex markup fee on international transactions.
• Exclusive travel Privileges: 4 complimentary domestic airport lounge and spa visits including 1 guest visit to domestic airport lounges and 4 international airport lounge visits.
• Rewards & Cashback: Up to 10X reward points on spends above ₹20,000 and 5X rewards on lower spends.
• Lifestyle & Travel Benefits: Up to 24 complimentary golf rounds or lessons per year, Buy1Get1 movie offers on BookMyShow.
• Comprehensive Insurance: ₹1 crore air accident cover, ₹10 lakh personal accident insurance with a comprehensive travel protection of USD 1200.

How to select the right metal card
 

Choosing the right metal card depends on your lifestyle and spending habits. If international travel and luxury rewards are a priority, the Mayura card’s zero forex markup and high rewards make it a top choice. The Ashva card, with its exclusive travel and lifestyle benefits, is perfect for domestic frequent flyers

How metal credit cards elevate the customer lifestyle
 

1. Prestige and status
   Metal credit cards instantly elevate your status. The sleek, durable design, combined with the weight of the card, makes every transaction feel premium. The Ashva and Mayura cards reflect this, with their intricate designs inspired by Indian art, making them more than just a financial tool—they're a symbol of luxury.
   
   
2. Exclusive access
   With complimentary airport lounge access, both domestically and internationally, Ashva and Mayura cardholders enjoy exclusive spaces reserved for the elite. These cards ensure that your travels are comfortable, even in transit.
   
   
3. Exceptional travel benefits
   From free trip cancellations to comprehensive insurance coverage, these metal cards are designed to protect you wherever you go. With air accident cover of ₹1 crore and personal accident insurance of ₹10 lakhs, you can travel worry-free, knowing you’re covered.
   
   
4. Reward programs
   Ashva and Mayura’s reward structures are tailored for elite users. Whether you’re earning 10X rewards on incremental monthly spending or enjoying cashback on initial transactions, these cards make every purchase more rewarding.
   
   
5. Luxury Golf & Entertainment
   With complimentary golf rounds and exclusive movie offers, Ashva and Mayura cardholders enjoy a well-rounded lifestyle. These privileges cater to your leisure, offering a touch of indulgence.

Conclusion

Metal credit cards, like IDFC FIRST Bank’s Ashva and Mayura, go beyond functionality, offering a combination of luxury, durability, and exclusive privileges. Designed for the elite, these cards embody modern financial benefits with a touch of ancient Indian heritage, making them the ideal choice for those who seek not only utility but also prestige. Whether you are looking for international rewards, travel benefits, or lifestyle upgrades, these cards offer an unparalleled experience.