If you live a luxurious lifestyle with millions in your accounts, you have the opportunity to become the owner of one of the most exclusive bank cards in the world. And along with this, you will have access to many privileges and benefits: unlimited credit limit, generous bonus programs, VIP access to private jets, etc. Most often, the bank itself will offer you such a card.
Whether you are a multimillionaire interested in an exclusive bank card, or just curious about the benefits of credit cards for VIPs, we've prepared a roundup of the 10 most exclusive bank cards in the world for you.
1. JP Morgan Palladium Card
JPMorgan Chase introduced its Palladium Card in 2009 to meet the needs of special customers. Bloomberg described the Palladium Card as "a 1% out of 1% card." The majority of JP Morgan clients who are offered this card have at least $ 10 million in assets under bank management and an average account balance of $ 100 million.
The JP Morgan Palladium Card was one of the first US credit cards to be equipped with EMV (chip) technology. The card has a metal construction and a palladium coating and weighs about 28 grams, which is five times the weight of a regular plastic card. In September 2016, the Palladium Card was renamed the JP Morgan Reserve Card, which does not look different from its predecessor, but now includes a number of additional benefits and privileges.
JP Morgan Palladium Card holders paid an annual fee of $ 595. After the rebranding, JP Morgan Reserve Card holders pay $ 450 per year. At the same time, there are no commissions for international payments, late payments, refunds, and the credit limit is unlimited.
2. Coutts World Silk Card
To become the owner of a "silk" card, it is enough to have a million US dollars on the account. And one more thing: this money must be in the accounts of Coutts Bank - the personal bank of Queen Elizabeth II. The annual interest rate is set individually for each client. As a bonus, he will get access to shops for real VIPs, special conditions from carriers, round-the-clock service and much more - what exactly is known only to 100 Coutts World Silk Card holders.
3. Dubai First Royale Mastercard
This card is precious in the truest sense of the word. It is framed with a gold border, and a diamond is embedded on the obverse. The card is issued by invitation only and is available to members of Dubai high society. Each of its 200 holders receives an unlimited credit line, luxury service and a personal manager. All conditions for servicing the card are provided only upon request.
4. American Express Black Card Centurion
Issuance of this card will cost $ 7,500, and further maintenance will cost $ 2,500 per year. The cardholder must spend at least $ 250,000 a year using it. All American Express Black Card Centurion cardholders get access to special Centurion lounges at American airports, book a table at any restaurant or room in a partner hotel, book flights, etc. any time of the day.
5. Stratus Rewards Visa
Whereas previous cards were issued in premium black, the Stratus Rewards Visa will appeal to white lovers. Of course, very rich people can arrange it by invitation. Annual service of the card will cost $ 1500. In return, the user receives a whole package of services: the opportunity to exchange accumulated bonuses for travel on private planes, to receive discounts on hotel reservations, consultations with the best stylists, as well as a personal concierge service.
6. Citigroup Black Chairman Card
Only members of the investment group and clients of the private bank Citigroup can apply for the card. The service costs $ 500 a year, and the credit limit reaches $ 300,000. Other benefits for Citigroup Black Chairman Card holders include bonuses, access to VIP lounges and much more.
7. NatWest Black Mastercard
It is also one of the most desirable credit cards in the world. And all because the credit limit on it has been increased to $ 1.5 million. And the annual service will cost "only" $ 395. Agree, a great deal compared to other premium cards from the list above. These are not all the benefits. Cardholders receive bonuses and discounts, access to VIP lounges and round-the-clock service anywhere in the world.
8. Merrill Accolades American Express Card
Another "black" card, and it is not so easy to get it. The fact is that its holder must be a client of Merrill Lynch, with a balance on the account of at least $ 250,000. But even after that he may be sent an invitation, or may not. Annual maintenance costs $ 295. A Merrill Accolades American Express Card holder can look forward to a credit limit of $ 500,000, and that's just to start. There are also discounts on flights on private superjets, discounts on exclusive hotels and a 24-hour concierge service.
9. Mastercard Black Card
The exclusive black card from Mastercard is made of stainless steel and carbon and features a patented design. Annual maintenance is $ 495. By paying such a cost, the holder of the Mastercard Black Card receives special "goodies", such as a luxury concierge service, gifts from well-known luxury brands. Also, cardholders by invitation only get the right to participate in the exclusive Mastercard Priceless loyalty program.
10. Citi Prestige Card
Designed for the active traveler, the Citi Prestige Card allows you to earn points for every dollar spent. Cardholders can also take advantage of travel benefits including a $ 250 annual travel bonus, free stays at a four-star hotel booked through the Citi Prestige Concierge program and access to VIP lounges. The annual service fee for the card is $ 450.
