As Credit card enthusiast, we all have been fascinated to get hold of the best available cards in our respective countries or may be of the world itself. Credit card has been one of the essential part of our lives now. The rewards, the airmiles, the convenience it gives, makes our life easier. But there are some cards, which redefines EVERYTHING. Now talking about such cards the card which comes first in our mind is The Black Card, ofcourse the AMEX Centurion. But hey, that's the only card that should come to your mind from now on. Let's see what other banks has to offer. May be someday, we can hold one of them, or may be more?
1. AMEX Centurion: The list of the "rarest" credit cards in the world can not be starting without the American Express Centurion Charge card. The card every credit card enthusiast wants to have at some point in their life. The card comes with a 10,000$ initiation fee ( 8 lakhs in India ) and 5,000$ annual fee ( 3 lakhs in India ). This is an "invite only" card offered by AMEX to the UHNI people. May be the 0.001% of the population in the world may be having it. It comes with great perks like top tier membership programs of hotels and airlines such as Emirates Skywards Gold tier, Hilton Honors' Diamond status. In India, Centurion gives access to prestigious clubs, like Quorum Club, and the membership of this club will cost you as high as 3.5 lakh INR. Centurion comes with its famous "do anything concierge" which pulls off some really impossible things which can not be done in a normal way, such as booking some show/game's publicly sold out tickets, some restaurant's reservation. Centurion is a card to flaunt but it doesn't just act as a jewellery, rather it acts as a tool of convenience. To get the invitation one need to spend around 250k - 500k $ ( above 3 crore INR) for at least two consecutive years.
2. Coutts Silk Card: Coutts is owned by the Royal Bank of Scotland. Coutts Silk card comes as a form of Charge card. This card only gets provided to the UHNI clients of Coutts. If you're wondering how much this card will cost? Will it come with as high as Centurion, the answer is no. This card doesn't have any fee at all. But wait, there should some catch, right? Ofcourse there's. This card is another invitation only card which only gets provided to the UHNI individuals who've private banking relationship with Coutts and the business amount is at least 1 million £. This card's reward system comes as "crown rewards" which can be availed for the purchase of luxury items. This card runs on MasterCard World Elite Platform. Oh yes, did I forget to mention that Coutts has British Royal family as one of their clients?
3. Dubai First Royale Card: This card has been made for the super wealthy people of the residents of Dubai, by the Dubai First bank. This card is so exclusive that it doesn't even have its existence on the web to the normal people like you and me. This card has been designed with Gold and diamond, a 0.235 carat diamond to be precise. A card which has basically no preset limit. It comes with a fee of 7,000 Dirham. This card is getting issued on MasterCard World Elite platform.
4. JP Morgan Reserve Card: JP Morgan Reserve card which is also known as the Chase Palladium card, is a card targeted to the UHNI clients of Chase. This card gets provided to the private banking clients who've 10 million $ worth of assets being managed with Chase. This card is almost identical to the Chase Sapphire Reserve card but with the exclusivity it shines more than its twin. It comes with a fee of 595$ and yes, this card is made out of Palladium as its former name suggests.
5. Merrill Lynch Octave Black Card: Gets offered to the UHNI clients with at least 10 million $ assets being managed by Merrill Lynch. It comes with a fee of 950$ as well as no pre-set credit limit. This card get offered on AMEX platform.
6. Eurasian Diamond Card: Eurasian is a Kazakhstani Bank which offers its HNIs this invite only card. This card can be obtained by the people who're having 15 million Kazakhstani tenge, roughly around 40,000$ assets with them. This card is on Visa Infinite platform. This card is made of Gold as well as it has a 0.02 carat diamond at the centre of it. It has a joining fee of around 1,200$. The invitation of it is a bit different. Either the management board has to offer you this or one needs to collect 2 invitations from existing card holder.
7. Sberbank Gold Card: A card made out of pure Gold, Pearls and Diamonds which get offered by Kazakhstani Bank Sberbank to its top 100 clients. With an initiation fee of 100,000$ and annual fee of 2,000$ this card has no preset limit. This is not just the end, it also offers 250,000$ insurance as well as there's no late payment fee, if that's something the UHNIs are being worried of. It gets offered on Visa Infinite platform.
8. Stratus Rewards: Often known as the "White Card" this luxury lifestyle card can only be obtained by the referral from an existing card holder or a Stratus Reward partner company. With a 1,500$ fee, the card member needs to spend at least 200,000$ to keep holding this card. This card gets offered on Visa Infinite program.
9. Santander Unlimited Black Card: This card gets offered by Brazilian bank Santander to its UHNI individuals. This card is on MasterCard World Elite platform.
10. Citi Ultima: Citi Ultima from the features it's the only card that can give a neck to neck competition to AMEX Centurion. With a fee as high as 5,000$ ( used to get offered at a fee point of 1 lakh to 3 lakh in India to Citi Gold Private clients, has been discontinued from January 2022 ) this card can be considered one of the best out there in-terms of air-mile transfer. It's also having a feature which can offer a complete free ticket to the accompanying guest ( tax need to be paid separately ) one have bought flight ticket with it on Business Class or First Class. Citi also offers a co-branded Ultima with Emirates. It gets offered on MasterCard World Elite platform.
11. Citi Chairman: A card with only 500$ fee which comes with credit limit as high as 300,000$ can only be obtained by HNIs who has "significant" investment to Citi group brokerage account. This card gets offered on AMEX platform.
The provided informations has been collected from various sources, the authenticity may differ from the actual product being offered or some offering may have changed. Feel free to give your input and also let me know if I'e missed any
1. AMEX Centurion: The list of the "rarest" credit cards in the world can not be starting without the American Express Centurion Charge card. The card every credit card enthusiast wants to have at some point in their life. The card comes with a 10,000$ initiation fee ( 8 lakhs in India ) and 5,000$ annual fee ( 3 lakhs in India ). This is an "invite only" card offered by AMEX to the UHNI people. May be the 0.001% of the population in the world may be having it. It comes with great perks like top tier membership programs of hotels and airlines such as Emirates Skywards Gold tier, Hilton Honors' Diamond status. In India, Centurion gives access to prestigious clubs, like Quorum Club, and the membership of this club will cost you as high as 3.5 lakh INR. Centurion comes with its famous "do anything concierge" which pulls off some really impossible things which can not be done in a normal way, such as booking some show/game's publicly sold out tickets, some restaurant's reservation. Centurion is a card to flaunt but it doesn't just act as a jewellery, rather it acts as a tool of convenience. To get the invitation one need to spend around 250k - 500k $ ( above 3 crore INR) for at least two consecutive years.
2. Coutts Silk Card: Coutts is owned by the Royal Bank of Scotland. Coutts Silk card comes as a form of Charge card. This card only gets provided to the UHNI clients of Coutts. If you're wondering how much this card will cost? Will it come with as high as Centurion, the answer is no. This card doesn't have any fee at all. But wait, there should some catch, right? Ofcourse there's. This card is another invitation only card which only gets provided to the UHNI individuals who've private banking relationship with Coutts and the business amount is at least 1 million £. This card's reward system comes as "crown rewards" which can be availed for the purchase of luxury items. This card runs on MasterCard World Elite Platform. Oh yes, did I forget to mention that Coutts has British Royal family as one of their clients?
3. Dubai First Royale Card: This card has been made for the super wealthy people of the residents of Dubai, by the Dubai First bank. This card is so exclusive that it doesn't even have its existence on the web to the normal people like you and me. This card has been designed with Gold and diamond, a 0.235 carat diamond to be precise. A card which has basically no preset limit. It comes with a fee of 7,000 Dirham. This card is getting issued on MasterCard World Elite platform.
4. JP Morgan Reserve Card: JP Morgan Reserve card which is also known as the Chase Palladium card, is a card targeted to the UHNI clients of Chase. This card gets provided to the private banking clients who've 10 million $ worth of assets being managed with Chase. This card is almost identical to the Chase Sapphire Reserve card but with the exclusivity it shines more than its twin. It comes with a fee of 595$ and yes, this card is made out of Palladium as its former name suggests.
5. Merrill Lynch Octave Black Card: Gets offered to the UHNI clients with at least 10 million $ assets being managed by Merrill Lynch. It comes with a fee of 950$ as well as no pre-set credit limit. This card get offered on AMEX platform.
6. Eurasian Diamond Card: Eurasian is a Kazakhstani Bank which offers its HNIs this invite only card. This card can be obtained by the people who're having 15 million Kazakhstani tenge, roughly around 40,000$ assets with them. This card is on Visa Infinite platform. This card is made of Gold as well as it has a 0.02 carat diamond at the centre of it. It has a joining fee of around 1,200$. The invitation of it is a bit different. Either the management board has to offer you this or one needs to collect 2 invitations from existing card holder.
7. Sberbank Gold Card: A card made out of pure Gold, Pearls and Diamonds which get offered by Kazakhstani Bank Sberbank to its top 100 clients. With an initiation fee of 100,000$ and annual fee of 2,000$ this card has no preset limit. This is not just the end, it also offers 250,000$ insurance as well as there's no late payment fee, if that's something the UHNIs are being worried of. It gets offered on Visa Infinite platform.
8. Stratus Rewards: Often known as the "White Card" this luxury lifestyle card can only be obtained by the referral from an existing card holder or a Stratus Reward partner company. With a 1,500$ fee, the card member needs to spend at least 200,000$ to keep holding this card. This card gets offered on Visa Infinite program.
9. Santander Unlimited Black Card: This card gets offered by Brazilian bank Santander to its UHNI individuals. This card is on MasterCard World Elite platform.
10. Citi Ultima: Citi Ultima from the features it's the only card that can give a neck to neck competition to AMEX Centurion. With a fee as high as 5,000$ ( used to get offered at a fee point of 1 lakh to 3 lakh in India to Citi Gold Private clients, has been discontinued from January 2022 ) this card can be considered one of the best out there in-terms of air-mile transfer. It's also having a feature which can offer a complete free ticket to the accompanying guest ( tax need to be paid separately ) one have bought flight ticket with it on Business Class or First Class. Citi also offers a co-branded Ultima with Emirates. It gets offered on MasterCard World Elite platform.
11. Citi Chairman: A card with only 500$ fee which comes with credit limit as high as 300,000$ can only be obtained by HNIs who has "significant" investment to Citi group brokerage account. This card gets offered on AMEX platform.
The provided informations has been collected from various sources, the authenticity may differ from the actual product being offered or some offering may have changed. Feel free to give your input and also let me know if I'e missed any
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