In recent years, metal credit cards have become popular as a fancy status item. People like metal cards because they seem more durable and high-end than regular plastic cards.

What gives metal cards their appeal? For one, they offer a premium feel in your hand. They also come with fancy perks like better travel rewards or access to VIP events.

But metal cards aren’t the only option now. New UPI credit cards are becoming digital payment options in places like India. These focus more on convenience for online and phone payments rather than luxury perks. Let us Explore.

What are Metal Credit Cards?

Metal credit cards are made from metal instead of plastic. They are more durable and often come with features that appeal to high-spending individuals. From luxury travel benefits to higher reward rates on everyday spending, metal credit cards cater to premium users. For example, popular cards like the American Express Platinum or the Chase Sapphire Reserve are some of the best metal credit cards in the market.

Why Metal Credit Cards are Popular?

Many people prefer metal credit cards for several reasons. Here are some of the key factors behind their popularity:

1. Durability and Design

Metal credit cards last longer than plastic ones. They don’t wear out or break easily, making them a long-term investment in physical durability. Their sleek design and weight give them a luxurious feel.

2. Exclusive Perks

Most metal credit cards have exclusive benefits like complimentary airport lounge access, travel insurance, higher cashback rates, and more. These perks justify their often-high annual fees.

3. Status Symbol

There’s no denying the allure of owning a metal card. It’s often seen as a status symbol, representing financial stability and a taste for premium products.

Popular Metal Credit Cards in 2024

Here are some of the popular and the best metal credit cards you can own:

Ashva Credit Card

• What makes it different from other metal credit cards are its excellent rewards – you earn 5 times the points on everyday purchases and 10 times on purchases over ₹20,000.
• Plus, you can travel without stress thanks to full travel insurance, low fees for using money abroad, and money back if you cancel your flight or hotel bookings.

Mayura Credit Card

• Make International transactions without paing any extra fees.
• Make cash withdrawals from ATM using yur credit card without incurring any interest up to 45 days.
• Free lounge access in India and overseas.

Infinia Credit Card

• Infinia Cardholders can enjoy complimentary nights and buffet dining at participating ITC hotels.
• A complimentary Club Marriott membership is provided for the first year.
• Unlimited airport lounge access is available worldwide for both primary and add-on card members.

Metal Credit Cards vs. Other Credit Card Types

When choosing the right credit card, you need to consider several options. Metal credit cards, plastic credit cards, and UPI credit cards each offer unique features and benefits.

Metal Credit Cards vs. Plastic Credit Cards

Plastic credit cards are the most common type on the market. This is mainly due to their low production cost and wide availability, which makes them very accessible to consumers. Plastic cards serve the essential functions of a credit card—allowing people to make purchases on credit that they can pay back later.

Metal Credit Cards vs. UPI Credit Cards

UPI credit cards are a new digital payment type in India. They work like credit cards but use UPI instead of card networks. UPI is popular for digital payments in India. UPI credit cards focus on easy mobile payments rather than the luxury perks and travel benefits you get with metal cards. But UPI cards can be used in mobile wallets and don’t need a card swipe machine.

So, UPI credit cards trade fancy benefits for convenience. They link to your bank account and make fast online and phone payments, making them easier to spend daily than metal cards.

Final Thoughts

The type of credit card you choose depends on what is most important to you.

Metal credit cards are the most durable, have premium branding and come with more rewards. If you want those things, a metal card is sound. UPI credit cards focus more on convenience for digital payments. A UPI card makes sense if you want something easy to use, especially where UPI payments are standard.

Standard plastic cards are the most widely accepted. Plastic is reliable if you need a basic card that will work everywhere. Look at the specific benefits that matter most to your financial situation.