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The short version

Let me be the reviewer who says the quiet part out loud: most people who want Metal want the metal card, not the maths. And the metal card is the weakest reason to buy it. Revolut Metal stacks cashback and lounge access on top of Premium — genuinely nice perks — but whether they cover the ~€16.99/month fee depends entirely on how much you spend. This Revolut Metal review is about running that number honestly before the shiny card wins the argument for you.

What you get over Premium

  • A metal card — satisfying to hold, and (be honest with yourself) most of the emotional pull.
  • Cashback on spending: around 0.1% in Europe and 1% worldwide, capped each month.
  • Airport lounge access via an included SmartDelay benefit — limited free visits, not unlimited.
  • Higher ATM allowances and exclusive Metal Mastercard benefits.

Everything that makes Revolut a serious travel tool — unlimited real-rate exchange, travel insurance, multiple virtual cards — actually comes from the Premium tier underneath. Metal is the perks layer on top.

The maths, run honestly

Cashback at 0.1% in Europe means €1 back per €1,000 spent there; even the 1% worldwide rate is capped. For most people the monthly cashback lands around €15–20 at best, and only with heavy spending. Add a handful of lounge visits you’ll genuinely use, and Metal can clear its fee — but it’s a real calculation, not a given. If your cashback won’t cover the gap over Premium and you won’t use the lounges, you’re paying €84/year more for a nicer card.

The honest tradeoffs

Pros
  • Everything in Premium
  • Cashback that can offset part of the fee
  • Some airport lounge access
  • Higher ATM allowances
  • The metal card is nice
Cons
  • Cashback rarely beats €15–20/mo unless you spend heavily
  • Fee is ~€204/year
  • Lounge benefit is limited, not unlimited
  • The metal card is the weakest reason to buy it

Who should get it (and who shouldn’t)

Get Metal if you spend enough for the cashback to matter and will use the lounge visits. Skip it if you won’t — the Premium plan gives you the serious travel features for less. If lounge access is the real draw, also weigh an Amex Platinum , whose Global Lounge Collection is far broader (see Amex vs Revolut ).

Frequently Asked Questions

Is Revolut Metal worth it?

Only if cashback plus lounge use cover the ~€16.99/month fee for your spending. For most people cashback rarely exceeds €15–20/month, so the maths is tight. Otherwise, Premium is better value.

What does it include over Premium?

A metal card, cashback (~0.1% Europe, 1% worldwide, capped), lounge access via SmartDelay, and higher ATM allowances. The core travel features come from Premium underneath.

How much cashback does it give?

Around 0.1% in Europe and 1% worldwide, capped monthly — rarely more than €15–20/month unless you spend heavily.

Premium vs Metal — which?

Premium for the serious travel features at a lower fee; Metal only if cashback plus lounges clear the extra cost.

Verdict

Metal is a “want,” not a “need.” If you spend enough that the cashback and lounges genuinely cover the fee, enjoy it — sign up through my link below. If not, the Premium plan is the smarter buy, and there’s no shame in stopping there.

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