Metal Card
Partner Banking Consortium
Reward Multiplier
Up to5XPoints
Lounge Access Zero Annual Fee
Annual Fee₹ 1 Lakh
Grace PeriodUp to 50 Days
⚡ 48-Hour Disbursal · APR from 8.5% · Zero Portfolio Liquidation
Exclusive Metal Cards with Global Airport Lounges & Luxury Concierge
Elevate your travel and lifestyle with invitation-only and super-premium credit cards offering unlimited international airport lounge access, complimentary golf, low forex markup (1%–1.5%), and elite airline reward ratios.
Unlimited Lounge AccessDomestic & International Terminals
Complimentary GolfAccess to Championship Courses
Low Forex Markup (1%)Substantial Foreign Spend Savings
Bespoke Concierge24x7 Global Travel & Lifestyle Desk
Capital Facilities
Tailored Liquidity Spectrum
Leverage your financial net worth without triggering capital gains taxes or giving up long-term equity compounding.
⚡ FLAGSHIP FACILITY · UP TO 80% LTV
Loan Against Mutual Funds (LAMF)
Unlock immediate revolving credit line against approved equity and debt funds in 4 hours. Keep your SIPs active and preserve full equity compounding while paying interest only on the exact funds drawn down.
APR: From 8.5% p.a. • Tenure: 12–36M Revolving • Taxes: 0% Capital Gains Trigger
4 HoursDigital Disbursal to Bank Account
LAS Facility
Loan Against Securities & Bonds
Instant revolving overdraft against listed equity shares, sovereign gold bonds, and corporate debentures with flexible drawdowns.
LTV: Up to 50–70%Approval: Instant Online
Mortgage & LAP
Loan Against Property
High-ticket commercial and residential property leverage up to ₹25 Crores for working capital and business expansion.
Ticket: Up to ₹25 CrTenure: Up to 15 Years
Credit Privilege
Premium Institutional Cards
Curated elite credit cards offering low forex markups, complimentary airport lounge memberships, and reward multipliers.
Forex: Low MarkupLounge: Global Priority
Paperless Execution
4-Step Digital Disbursal Flow
From portfolio authorization to cash in your bank account in as little as 4 hours.
00:00
Portfolio Link
Connect your portfolio via CAMS/KFintech or NSDL/CDSL with secure OTP verification in 30 seconds.
00:15
Instant Limit Sanction
Automated credit risk assessment provides your pre-approved limit and interest rate bracket instantly.
00:45
Digital Lien Marking
Execute electronic lien marking with depositories 100% paperless without physical branch visit.
04:00
Direct Bank Credit
Draw down funds directly into your verified bank account. Pay interest only on what you withdraw.
Cost Analysis
Compounding vs Liquidation Arithmetic
Selling ₹10 Lakhs of MF costs ₹1.25 Lakhs in taxes + loss of 14% CAGR. Borrowing at 8.9% preserves ₹3.8 Lakhs net wealth.
Financial Metric
Liquidating / Selling Units
Borrowing via LAMF Overdraft
Tax Impact
Immediate 12.5% LTCG / 20% STCG Tax liability
0% Tax Event (Loan is not taxable income)
Compounding Power
Permanently lost. Zero equity upside on sold amount
Full 100% portfolio remains invested at ~14% CAGR
Interest Cost
Nil explicit interest, but high opportunity loss
Simple interest only on amount utilized (from 8.5% p.a.)
Re-investment Hurdle
Must time market re-entry and pay STT/charges
Instant repayment anytime with zero prepayment penalty
Active Credit Lines
Curated Premium Credit Cards Solutions
Explore verified offerings with indicative yields, institutional terms, and direct digital application portals.
Credit Intelligence
Leverage Arithmetic & Disbursal Tools
Model interest costs, compare liquidation versus borrowing, and check pre-approved portfolio limits.
Leverage Analytics⚡ Instant LTV Check
Loan Against MF (LAMF) Limit Calculator
Calculate your pre-approved credit line up to 80% LTV against approved equity and debt funds in 30 seconds.
Cost Comparison📊 Tax Arbitrage
Compounding vs Liquidation Arithmetic
Simulate tax savings and preserved 14% equity CAGR when borrowing at 8.9% instead of selling investments.
Instant Disbursal⚡ 4-Hour Disbursal
Digital Lien Marking & Sanction Desk
Execute 100% paperless depository lien marking through CAMS or KFintech with direct bank drawdown in 4 hours.
Clarity & Governance
Frequently Asked Questions
Clear, straightforward answers regarding process, safety, tax treatment, and liquidity.
What is the net reward rate of a super-premium credit card?
Super-premium credit cards (such as HDFC Infinia, Axis Magnus/Olympus, ICICI Emeralde Private) offer an effective reward return of 3.3% to 9.9%+ when points are transferred to airline miles or luxury hotel partners, compared to 0.5%–1% on basic retail cards.
How do airport lounge visits work with credit cards?
Super-premium cards provide direct QR-code access via DreamFolks or a physical Priority Pass card, giving you and often your add-on family members unlimited complimentary access to domestic and international terminal lounges.
Can the annual fee on a premium credit card be waived?
Yes. Almost all premium cards have annual spend-based waiver thresholds (typically ₹8 Lakhs to ₹12 Lakhs annual spend). Once you cross this spend threshold in a card anniversary year, the next year's fee is automatically reversed.
What is the advantage of a low forex markup card?
Standard credit cards charge a 3.5% foreign exchange fee plus 18% GST (total ~4.13%) on all international card swipes. Premium cards reduce this fee to 1.0% to 1.5% (or 0%), saving you ₹25,000 to ₹35,000 on every $10,000 spent abroad.
Regulatory Disclosure & Risk Notice: Credit cards are unsecured credit facilities issued at the sole discretion of partner banks based on credit score, income verification, and internal underwriting guidelines. KS Finoleg Services Pvt Ltd (MFeasy) provides financial comparison and referral facilitation services.