Most Exclusive Credit Cards in the World

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Credit cards, of course, are usually a dollar a million. But once in a while, on the other hand, you learn about cards: talked about in hushed voices, and never seen in person.

The condition for these unique credit cards is to have a high net worth. And in many instances, membership is prolonged only by invitation. However, if you can get one you can enjoy a generous credit cap, premium travel rewards, and tailor-made concierge service. And the card itself may be attractive, by its rare-metal structure, and commanding rank.

Centurion® Card from American Express

Centurion® Card from American Express

The Centurion® Credit Card from American Express is known as the Black Card and is an enigmatic and unique card issued only by invitation. You would have invested and paid off at least $250,000 on the Amex accounts in a single year in order to be invited. You need to pay a $7,500 membership fee to join this unique group of Centurion cardholders. And a $2,500 maintenance charge comes with the card itself. The card does not have a spending cap preset and allows you access to a private concierge who can satisfy any order you can think of. It also delivers luxury perks that Amex takes great pains not to advertise special service at the best-in-class Centurion airport lounges, world-class surprise packages, reservations at 1,000 of the best restaurants in the world, and a package of advantages for luxury travel.

J.P. Morgan Reserve Card

J.P. Morgan Reserve Card

This credit card is made of palladium, a silvery-white chemical element that rivals gold in quality, priced at $ 1,295 an ounce. It’s given only by invitation to J.P. Morgan’s biggest customers, who would have investments under J.P.’s management worth at least $10 million.  This card provides unrestricted admission to select airport lounges for a $595 annual charge, 3x travel, and dining points, a $300 annual travel credit, a credit for your application for Global Entry or TSA PreCheck, and a package of premium travel safeguards. You can get immediate access to a devoted expert in customer care 24/7. And when making extravagant transactions, you can breathe easily, as they are insured for 120 days for up to $10,000 per lawsuit against fraud or injury.

Dubai First Royale Mastercard

Dubai First Royale Mastercard

Embedded at its middle is a 0.235-carat diamond and is also trimmed with gold, this elaborate card is the exclusive offering of Dubai First to UAE royalty and high net worth individuals in the country. The credit card is by invitation only, and even though you are ultrawealthy, you might be disqualified. 7,000 UAE dirham, about $1,900, is the initiation fee. It offers a few of the regular rewards on most credit cards, which do not apply to those who are fortunate enough to earn it. Not hindered by a credit cap, if you’d like, you might allegedly purchase a yacht on a whim. And you can link to practically anything you want with 24/7 access to what the bank bills as Royale Lifestyle Management, along with a dedicated lifestyle planner.

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Coutts Silk Credit Card

Coutts Silk Credit Card

Managed by the Royal Bank of Scotland (RBS), Coutts primarily represents clients with high net worth. The prospective customer questionnaire gets straight to business: At one point, it asks if you can bring more than 1 million pounds of investable assets to Coutts. If your answers to this or other questions show that you are not wealthy enough or will not become wealthy imminently, Coutts will kindly recommend that you try another bank. You should qualify for the Coutts Silk Credit Card if you’re wealthy enough to become a Coutts consumer. The card has no monthly or international processing costs and allows you, via LoungeKey, to access airport lounges around the world. Plus, via the Coutts signature rewards app, as well as 24/7 services from Coutts Concierge, you get access to special activities and experiences.

Sberbank Visa Infinite Gold Credit Card

Sberbank Visa Infinite Gold Credit Card

This Visa Infinite card was originally issued by Kazakhstani outfit Sberbank to just 100 of its best customers and costs a nice $100,000 upfront. An unheard-of $65,000 of this money goes to minting the card. Your account is being directed to the other $35,000. On top of the initiation fee, with an annual fee, you’ll be out for another $2,000. You would have the privilege of possessing a solid-gold status symbol if you get the card. Enjoy life and health insurance for $250,000, 24/7 concierge operation, and a Sberbank personal trainer. Get VIP entry to luxurious holidays and the best golf courses in the country. And if, when jetting around the world, you fail to pay your card bill, rest assured knowing that the card has no late fees.

Eurasian Diamond Credit Card Visa Infinite

Eurasian Diamond Credit Card Visa Infinite

The Eurasian Bank Diamond Credit Card Visa Infinite, another Kazakhstani jewel, is an elite thing that you cannot apply for. This striking black card features an inlaid gold decoration with a 0.02-carat diamond centrepiece, and it can only be purchased through the executive board of the bank or two current cardholders by recommendation. Depending on the balance with Eurasian Bank, annual card fees vary from 150,000 to 450,000 Kazakhstani tenge — about $395 to $1185. Offering special hotel bookings, passport services, private plane plans, translation services, butler services and more, top concierge agencies ensure the world is at your fingertips.