RuPay Metal Card: 5 Features Worth Your ₹999 Fee?

A new prepaid metal card on the RuPay network lets anyone get premium travel and lifestyle perks without income eligibility — just KYC and a wallet top-up. Here's what that actually means for you.

Here's what happened: A new prepaid metal card has launched on India's RuPay network, offering travel perks and lifestyle benefits without any income or salary eligibility requirement.. The card works as a prepaid wallet — you load money first, then spend — so there is no credit risk or CIBIL score requirement for the issuer.. RuPay-powered metal cards are gaining traction as issuers target aspirational middle-class users who want premium perks without a traditional credit card application..

What you should do: Compare the annual fee against benefits you will actually use — airport lounge access, travel insurance, and cashback — before loading money onto the card.. Check whether the card's lounge access is complimentary per quarter or visit-based, since this single perk alone can justify a ₹999–₹1,499 yearly fee for frequent flyers.. Complete full KYC immediately after signup — a minimum-KYC prepaid wallet has a ₹10,000 monthly spend limit, while full KYC raises it to ₹2 lakh..

Prepaid cards don't build your CIBIL score — if credit history matters to you, pair this card with a secured credit card to get premium perks AND score growth simultaneously.