Steven A metal card can last far longer, if it’s 3x longer then it’s pretty much a wash
...which it simply wouldn't.
Notwithstanding the question if it's actually a "3 times" difference in (physical) durability, a bank card just won't be issued for 12 years. There are other technical and practical limits than just the core material of the physical card.
Many people are probably not even going to be using this bank account on premium subscription as long. And then, even if they did, a metal card would most probably be more scratched and dented than these fashion-conscious premium subscribers would be willing to put up with. Just google for experiences with N26's and Revolut's metal cards.
bunq's plastic cards are (if I'm not mistaken) issued for a validity of 4 yours. Which, in my experience, is more than the industry average already.
