Are you looking for a credit card that offers more than just a status symbol? A metal credit card might be the perfect choice for you. Metal credit cards are known for their luxurious and stylish design, but they also come with a range of benefits that can enhance your spending experience.
If you’re based in Singapore, you’re in luck. There are several metal credit cards available in Singapore that offer great perks and rewards. From cashback and rewards points to travel benefits and exclusive access to events, metal credit cards can help you get more out of your spending. In this article, we’ll take a closer look at some of the best metal credit cards available in Singapore and what they have to offer.
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Short on time? Here’s a quick rundown on the luxurious world of metal credit cards in Singapore.
- Metal cards offer a touch of prestige and style compared to regular plastic cards.
- But more importantly, they come with a range of benefits that can make spending more rewarding.
- These include travel perks like airport lounge access, travel insurance, and hotel privileges.
- You can also earn rewards points or cashback on your everyday spending.
- Some cards even offer exclusive services like concierge assistance.
Tempted? Consider your spending habits and income before applying. Metal cards typically have higher annual fees than regular cards.
Want to learn more? This article dives deeper into the different metal credit cards available in Singapore and what they offer.
Understanding Metal Credit Cards
If you’re looking for a credit card that’s a cut above the rest, you may want to consider a metal credit card. These cards are made from metal, usually stainless steel, and offer a range of benefits that set them apart from traditional plastic cards.
What Sets Metal Cards Apart
One of the main things that sets metal cards apart is their luxury and prestige factor. They’re often associated with exclusivity and are seen as a status symbol. This can be especially appealing if you’re looking for a credit card that makes a statement.
In addition to their prestige factor, metal cards often come with a range of benefits that can make them worth the higher annual fee. These benefits can include things like cashback, rewards points, travel perks, and exclusive access to events.
The Appeal of Metal Cardstock
Another thing that sets metal cards apart is the actual cardstock. Metal cards are often heavier and more durable than plastic cards, which can make them feel more substantial and valuable. They also tend to have a unique look and feel that can be appealing to those who appreciate design and aesthetics.
Top Metal Credit Cards in Singapore
If you’re looking for a credit card that offers more than just a status symbol, metal credit cards are worth considering. They come with a range of perks and benefits that can make your spending more rewarding. Here are some of the top metal credit cards in Singapore that you can consider:
OCBC Voyage Card
The OCBC Voyage Card is one of the best metal credit cards in Singapore. It offers flexible miles redemption and boosted rewards for overseas spend. With this card, you can earn 1.2 Voyage Miles for every S$1 spent locally and 2.3 Voyage Miles for every S$1 spent overseas. You can redeem your Voyage Miles for flights, hotels, and other travel-related expenses. The card also comes with exclusive travel privileges, such as complimentary access to airport lounges and travel insurance.
DBS Insignia Visa Infinite Card
The DBS Insignia Visa Infinite Card is a premium metal credit card that offers a range of exclusive benefits and privileges. With this card, you can enjoy personalized concierge services, complimentary airport limousine transfers, and access to exclusive events and experiences. The card also comes with a generous rewards programme that allows you to earn 1.6 miles for every S$1 spent locally and 2 miles for every S$1 spent overseas.
UOB Visa Infinite Metal Card
The UOB Visa Infinite Metal Card is another top metal credit card in Singapore. It offers a range of lifestyle and travel benefits, such as complimentary access to airport lounges, travel insurance, and hotel privileges. With this card, you can earn 1.4 miles for every S$1 spent locally and 2.4 miles for every S$1 spent overseas. You can also enjoy exclusive dining privileges and discounts at selected merchants.
Citi Prestige Card
The Citi Prestige Card is a premium metal credit card that offers a range of lifestyle and travel benefits. With this card, you can enjoy complimentary access to airport lounges, travel insurance, and hotel privileges. You can also earn 1.3 miles for every S$1 spent locally and 2 miles for every S$1 spent overseas. The card also comes with a range of dining and shopping privileges.
American Express Centurion Card
The American Express Centurion Card, also known as the Black Card, is one of the most exclusive metal credit cards in the world. It offers a range of exclusive benefits and privileges, such as personalized concierge services, access to exclusive events and experiences, and complimentary airport limousine transfers. The card also comes with a generous rewards programme that allows you to earn 1.5 points for every S$1 spent locally and 2.5 points for every S$1 spent overseas.
Standard Chartered Visa Infinite X Card
The Standard Chartered Visa Infinite X Card is a premium metal credit card that offers a range of lifestyle and travel benefits. With this card, you can enjoy complimentary access to airport lounges, travel insurance, and hotel privileges. You can also earn 1.4 miles for every S$1 spent locally and 3 miles for every S$1 spent overseas. The card also comes with a range of dining and shopping privileges.
UOB Reserve Card
The UOB Reserve Card is a premium metal credit card that offers a range of lifestyle and travel benefits. With this card, you can enjoy complimentary access to airport lounges, travel insurance, and hotel privileges. You can also earn 1.4 miles for every S$1 spent locally and 2.4 miles for every S$1 spent overseas. The card also comes with a range of dining and shopping privileges.
DBS Vantage Card
The DBS Vantage Card is a metal credit card that offers a range of lifestyle and travel benefits. With this card, you can enjoy complimentary access to airport lounges, travel insurance, and hotel privileges. You can also earn 1.2 miles for every S$1 spent locally and 2 miles for every S$1 spent overseas. The card also comes with a range of dining and shopping privileges.
These are some of the top metal credit cards in Singapore that you can consider. Each card offers a range of benefits and privileges that can make your spending more rewarding.
Comparing Costs and Benefits
When choosing a metal credit card, it’s important to weigh the costs and benefits to determine if it’s the right card for you. Here are some factors to consider:
Annual Fees and Waivers
Metal credit cards tend to come with higher annual fees than their plastic counterparts. However, many issuers offer annual fee waivers for the first year or for customers who meet certain spending requirements. For example, the DBS Altitude Visa Signature Card has an annual fee of S$192.60, but it can be waived with a minimum spend of S$25,000 in a year.
Rewards and Cashback
One of the main benefits of metal credit cards is the rewards and cashback they offer. Some cards, like the Citi PremierMiles Card, offer miles that can be redeemed for flights or hotel stays. Others, like the HSBC Revolution Credit Card, offer cashback on dining, entertainment and online purchases.
Travel and Lifestyle Perks
Many metal credit cards come with travel and lifestyle perks such as airport lounge access, complimentary hotel stays, and travel insurance. For example, the American Express Platinum Credit Card offers access to over 1,200 airport lounges worldwide, as well as a complimentary night’s stay at selected hotels.
Exclusive Benefits and Services
Some metal credit cards offer exclusive benefits and services that are not available to regular cardholders. For example, the UOB Reserve Card offers a dedicated concierge service that can assist with travel arrangements, dining reservations, and event tickets.
When comparing metal credit cards, it’s important to consider the annual fees, rewards and cashback, travel and lifestyle perks, and exclusive benefits and services. By doing so, you can find the card that best suits your needs and lifestyle.
Tip: Unleash the Power of Metal!
Metal credit cards aren’t just about luxury. They unlock a world of hidden benefits! Maximize rewards with strategic spending, redeem points flexibly for dream vacations, and enjoy exclusive perks like airport lounges and concierge services. Transform your everyday purchases into extraordinary experiences! But remember, choose a card that aligns with your spending habits to get the most out of this powerful financial tool.
Eligibility and Income Requirements
To be eligible for a metal credit card in Singapore, you must meet certain income requirements. Generally, high net worth individuals with an annual income of at least SGD 120,000 are eligible for metal credit cards. However, some metal credit cards may have higher income requirements, so it’s important to check the specific requirements for each card.
If you meet the income requirements, you can apply for a metal credit card from a variety of banks in Singapore. Some of the most popular metal credit cards include the Standard Chartered Visa Infinite X Card, the UOB Reserve Card, and the American Express Platinum Card.
It’s important to note that metal credit cards often come with higher annual fees than traditional credit cards. For example, the Standard Chartered Visa Infinite X Card has an annual fee of SGD 695, while the UOB Reserve Card has an annual fee of SGD 1,926. However, these cards also come with a range of benefits and perks that can make them worth the cost if you use them frequently.
In addition to meeting the income requirements, you will also need to have a good credit score to be approved for a metal credit card. This means that you should have a history of responsible borrowing and repayment, and should not have any outstanding debts or delinquent payments.
Travel Benefits
When it comes to travel benefits, metal credit cards in Singapore offer a range of perks that can make your trips more comfortable and enjoyable. Here are some of the top travel benefits you can expect from the best metal credit cards:
Airport Lounge Access
One of the most sought-after benefits of metal credit cards is airport lounge access. With this perk, you can relax in a comfortable and quiet space before your flight, away from the hustle and bustle of the main terminal. Some metal credit cards offer unlimited airport lounge access, while others provide a certain number of visits per year.
For example, the UOB Reserve Card offers unlimited access to over 1,000 airport lounges worldwide with a complimentary Priority Pass membership. The American Express Platinum Card also provides unlimited access to over 1,200 airport lounges in more than 130 countries.
Travel Insurance and Credits
Another common travel benefit of metal credit cards is travel insurance and credits. Some cards offer comprehensive travel insurance coverage, including medical expenses, trip cancellations, and lost luggage. Others provide travel credits that you can use to offset the cost of flights, hotels, and other travel expenses.
For instance, the Citi Prestige Card offers up to S$1,000,000 in travel accident insurance and up to S$12,000 in trip cancellation and curtailment coverage. It also gives you an annual travel credit of S$200, which you can use to offset the cost of flights, hotels, and other travel expenses.
Concierge and Transfer Services
Finally, metal credit cards often come with concierge and transfer services that can make your travel experience more convenient and hassle-free. Some cards provide dedicated travel concierge services that can help you plan your itinerary, book flights and hotels, and make restaurant reservations. Others offer complimentary limo transfers to and from the airport.
For example, the Standard Chartered Visa Infinite Metal Card X offers a 24-hour concierge service that can help you with travel arrangements, dining reservations, and more. It also provides complimentary limousine transfers to and from Changi Airport for cardholders and their guests.
Lifestyle and Leisure Privileges
If you’re looking for a metal credit card in Singapore that offers lifestyle and leisure privileges, you’re in luck. Many of the top metal credit cards come with a range of benefits that cater to your leisure needs. Here are some of the top benefits you can enjoy with a metal credit card in Singapore:
Dining and Hotel Partnerships
With a metal credit card, you can enjoy exclusive dining and hotel partnerships that offer you discounts, upgrades, and other perks. For example, you can enjoy up to 50% off your dining bill at selected restaurants with the Accor Plus Explorer membership. You can also enjoy exclusive dining privileges at over 1,000 restaurants worldwide with your Hilton Honors membership.
If you’re a frequent traveler, you can enjoy hotel benefits such as room upgrades, late check-out, and free breakfast with your Marriott Bonvoy or Radisson Rewards membership. With these benefits, you can make the most out of your stay and enjoy a luxurious experience.
Golf and Resort Benefits
If you’re a golf enthusiast, you can enjoy exclusive golfing privileges with your metal credit card. For example, with your Citi Ultima card, you can enjoy complimentary green fees at some of the best golf courses in Singapore and around the world. You can also enjoy exclusive access to private clubs and resorts with your UOB Visa Infinite Metal Card.
Exclusive Memberships
With a metal credit card, you can also enjoy exclusive memberships that offer you a range of lifestyle benefits. For example, with your UOB Visa Infinite Metal Card, you can enjoy exclusive access to luxury events, private clubs, and restaurants. You can also enjoy complimentary airport lounge access with your DBS Insignia Visa Infinite Card.
Additional Cardholder Advantages
As a metal credit cardholder, you get access to a range of additional benefits beyond just earning rewards and points. These benefits can help you save money, protect your purchases, and provide peace of mind when travelling or shopping. Here are some of the additional cardholder advantages you can enjoy with metal credit cards in Singapore:
E-commerce Protection
With the rise of online shopping, it’s important to have protection against fraud and unauthorised transactions. Many metal credit cards offer e-commerce purchase protection, which means you’re covered if your online purchase is lost, stolen, or damaged during delivery. This protection can also extend to unauthorised transactions made on your card, so you can shop online with confidence.
Medical and Retail Services
Some metal credit cards, such as the UOB Lady’s Solitaire Metal Card, offer medical and retail services to cardholders. For example, the UOB Medical Concierge provides 24/7 access to medical advice, referrals, and emergency assistance when you’re travelling overseas. Additionally, the card offers exclusive retail privileges and discounts at over 3,000 merchants in Singapore and around the world.
Understanding the Fine Print
When it comes to metal credit cards, it is important to understand the fine print to avoid any surprises. Here are some key factors to consider before signing up for a metal credit card in Singapore.
Terms and Fees
Metal credit cards come with higher annual fees than their plastic counterparts. You should carefully review the terms and fees associated with any metal credit card you are considering. Some cards may offer perks such as airport lounge access or cashback rewards, but it is important to weigh these benefits against the annual fee to determine if the card is worth it for you.
In addition to the annual fee, you should also be aware of any other fees associated with the card. For example, some metal credit cards may charge foreign transaction fees or late payment fees. Make sure you understand all of the fees associated with the card before signing up.
Credit History and Spending Habits
Metal credit cards are typically only available to those with excellent credit histories and high incomes. Before applying for a metal credit card, you should review your credit history and make sure it is in good standing. If you have a history of late payments or missed payments, you may not be eligible for a metal credit card.
You should also consider your spending habits before signing up for a metal credit card. Metal credit cards often come with high credit limits, which can be tempting to use. However, if you are not able to pay off your balance in full each month, you may end up paying high interest charges.
Pros and Cons
While metal credit cards offer a variety of perks and benefits, they also come with some drawbacks. Here are some pros and cons to consider before signing up for a metal credit card:
Pros:
- Metal credit cards offer a unique and stylish look that can be a status symbol.
- Many metal credit cards offer perks such as airport lounge access, cashback rewards, and concierge services.
- Metal credit cards are often made of more durable materials than plastic cards, which can make them last longer.
Cons:
- Metal credit cards come with higher annual fees than plastic cards.
- Metal credit cards may require excellent credit histories and high incomes, making them inaccessible to some consumers.
- Metal credit cards may come with higher interest rates than plastic cards, which can lead to high interest charges if you carry a balance.
Maximising Card Potential
So, you’ve decided to get a metal credit card in Singapore. Congratulations! With the right strategy, you can maximise the potential of your card and enjoy the benefits that come with it.
Strategic Reward Maximisation
One of the key benefits of metal credit cards is the rewards they offer. To maximise your rewards, it’s essential to understand the rewards program of your card. Some metal credit cards in Singapore offer KrisFlyer miles, ThankYou points, Voyage miles, Membership Rewards points, bonus miles, rebates, and more.
To maximise your rewards, you should consider the following:
- Use your card for everyday expenses: The more you use your card, the more rewards you’ll earn. Use your card for groceries, dining, and other everyday expenses to earn the most rewards.
- Look for bonus categories: Many metal credit cards offer bonus rewards for specific categories, such as dining, travel, or online shopping. Make sure you know what categories your card offers bonus rewards for and use your card accordingly.
- Redeem your rewards: Don’t let your rewards go to waste. Redeem them for flights, hotel stays, or other rewards that you’ll actually use.
Flexible Miles and Point Redemption
Flexible miles and point redemption is another benefit of metal credit cards in Singapore. This allows you to redeem your rewards for a variety of options, including flights, hotel stays, car rentals, and more.
To maximise your flexible miles and point redemption, you should consider the following:
- Know your redemption options: Make sure you understand all of your redemption options and choose the one that offers the best value for your rewards.
- Be flexible with your travel dates: If you’re redeeming your rewards for travel, be flexible with your travel dates to get the best value for your rewards.
- Look for promotions: Many metal credit cards offer promotions for specific redemption options. Keep an eye out for these promotions and take advantage of them when they’re available.
Frequently Asked Questions
What are the most prestigious metal credit cards available in Singapore?
If you’re looking for a prestigious metal credit card in Singapore, the AMEX Platinum Charge Card and UOB Visa Infinite Metal Card are two of the most popular options. Both cards offer exclusive benefits such as airport lounge access, concierge services, and travel insurance. However, they also come with high annual fees and strict eligibility requirements.
Which metal credit cards cater to high-income individuals with no annual fees?
While most metal credit cards in Singapore come with high annual fees, some banks offer metal cards with no annual fees for high-income individuals. For example, the DBS Visa Debit Metal Card is available to DBS Treasures customers with a minimum income of SGD 30,000 per month and no annual fees. This card offers exclusive lifestyle perks and rewards, as well as contactless payments and unlimited cashback.
How can one obtain a bespoke metal credit card in Singapore?
If you’re looking for a bespoke metal credit card in Singapore, you can contact a private bank or a luxury credit card provider such as Metal-CreditCard.com. These providers offer custom-made metal credit cards with unique designs and exclusive benefits, such as 24/7 concierge services, travel rewards, and cashback.
What are the benefits of owning a metal credit card over a traditional plastic one?
Owning a metal credit card in Singapore comes with several benefits over a traditional plastic credit card. For one, metal cards are more durable and resistant to wear and tear, making them a long-term investment. They also offer a higher level of exclusivity and prestige, as well as a unique design that sets them apart from other credit cards. Additionally, metal cards often come with exclusive benefits such as airport lounge access, concierge services, and travel insurance.
Are there any exclusive perks associated with the DBS Metal Card?
The DBS Visa Debit Metal Card offers several exclusive perks and rewards for DBS Treasures customers. These include unlimited cashback on all purchases, contactless payments, and exclusive lifestyle perks such as dining and entertainment privileges. Additionally, the card comes with a complimentary travel insurance plan and access to over 1,000 airport lounges worldwide.
Which banks in Singapore offer the elite AMEX metal credit cards?
The AMEX Platinum Charge Card is offered by American Express in Singapore and is available to high-income individuals with a minimum income of SGD 200,000 per annum. This card offers exclusive benefits such as airport lounge access, travel insurance, and concierge services. Other banks in Singapore that offer elite AMEX metal credit cards include Citibank and Standard Chartered Bank.
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