Who Offers Metal Debit Cards and How to Get One

Metal debit cards are gaining traction as a premium payment method, offering a sense of luxury and exclusivity. Their distinct physical presence, aesthetics, and durability set them apart from traditional plastic cards, often signaling a higher tier of banking experience.

Characteristics of Metal Debit Cards

Metal debit cards are crafted from various metallic materials, including stainless steel, copper, or alloys, sometimes plated with gold or silver. This construction gives them a noticeable weight and robust feel, distinguishing them from plastic counterparts. Their durability makes them scratch-resistant and less prone to wear, offering a longer lifespan. The sleek design and metallic finish contribute to their aesthetic appeal.

Providers of Metal Debit Cards

Several financial institutions and fintech companies offer metal debit cards. United Heritage Credit Union provides a metal debit card option for all checking accounts. Revolut, a digital banking platform, offers a metal card as part of its paid “Metal” plan. Kotak811 in India also issues an Infinity Metal Debit Card, often associated with specific account types.

While some traditional banks have introduced premium debit cards, the physical metal card is more commonly found with fintech innovators. Companies like Vivid Money also offer metal debit cards, often integrated with unique reward structures. Some services even allow individuals to convert their existing plastic debit cards into metal versions by transferring the EMV chip and magnetic stripe data.

Requirements for Metal Debit Cards

Obtaining a metal debit card often involves meeting specific account or financial criteria. Many providers link them to higher-tier checking or savings accounts, which might require maintaining a minimum balance. For example, the Kotak811 Infinity Metal Debit Card may have an issuance fee, waived for customers who open a Super Savings Account with a substantial initial deposit, such as 81,100 Indian Rupees.

Some programs may also require specific monthly direct deposit amounts or enrollment in exclusive membership tiers. Eligibility varies between institutions, with some offering these cards as part of a premium banking package that includes an annual fee. They are often offered to new customers opening qualifying accounts or as an upgrade option for existing account holders with premium status.

Associated Account Features

Accounts offering metal debit cards typically come bundled with enhanced financial and lifestyle features. These often include:

Higher daily transaction limits for cash withdrawals and point-of-sale purchases, providing greater financial flexibility.
Increased cashback rewards or loyalty points on eligible transactions, sometimes with bonus categories for international spending or certain merchants.
Travel-related benefits, such as complimentary access to airport lounges, travel insurance, purchase protection, or extended warranty on eligible items.
Dedicated customer service or concierge services, providing personalized assistance.
Benefits like fee waivers, reduced foreign transaction fees, or discounts on entertainment and dining experiences.