cards / super_premium / idfc-first-metal
IDFC FIRSTUnknownsuper premium

IDFC FIRST Bank Metal Credit Card

For high spenders who maximise premium travel, lounges and lifestyle perks — and can justify the fee.

excellent shape
health 100/100
annual fee₹ 12,500/yr
joining fee₹ 12,500
fee waiver at₹ 10,00,000/yr
base earn rate3.33 / ₹100
rewards inReward Points
forex markup0%

✓ best for

Flights & Hotels

⚠ heads up

no major caveats we’re tracking.

earn rates

categoryratecap/mo
base · everything else3.33 / ₹100
Flights & Hotels16.67 / ₹100
International Spends2 / ₹100

benefits & perks

Complimentary Airport Lounge Access

Enjoy 4 Indian (incl. 1 guest) and 4 global airport lounges every quarter

Airport Transfer Discounts

Enjoy limousine services in over 3000 cities across 83 countries

Free Trip Cancellation Cover~₹ 50,000/yr

Recover up to ₹50,000 on hotel & flight non-refundable cancellations

Interest-free Global ATM Cash Withdrawal

On your credit card with a cash withdrawal fee of ₹199 + GST

Airport Meet & Greet

1 complimentary service a year on $1000 international spends and 10% discount for rest of the bookings

Complimentary Railway Lounge Access

Avail 4 visits every quarter at select Indian Railway Terminals

Five Star Hotel Stay Offer

Avail a complimentary 3rd night for every 2 paid nights at ITC Hotels

Luxury Villa Vacations

Enjoy a free 3rd night for every 2 paid nights at Elivaas Luxury Villas

Golfing Escapades

Access up to 24 complimentary golf rounds/lessons per year.

Fuel surcharge waiver

Save upto ₹300 per statement cycle with 1% Fuel Surcharge Waiver

run your spend profileto see this card's value for you.