Even multimillionaires can hardly get hold of these credit cards

tankist276 / ShutterstockThose who pay with a gold or platinum credit card expect appreciative looks. The super rich of this world have only a weary smile left for gold and platinum.

Because if you really make it, you pay with a black card. However, they are only available by invitation – and bring a very special service.

Whoever receives an invitation for these cards has done it

At American Express it is called Centurion, at Visa Infinite and at Citibank Ultima: almost all credit card institutes have a black card in their portfolio. As the name suggests, it is black, more valuable than gold and platinum, and in extreme cases even entitles you to transfer eight-digit amounts.

These cards are highly exclusive. Because the black piece of plastic is only given to customers who meet certain requirements.

By far the noblest credit card in the world is the Centurion from American Express. In order to be a first-time black card candidate, you have to make at least half a million euros a year and generate a six-figure annual turnover with a gold or platinum credit card. Impeccable payment behavior is of course a matter of honor.

But this is also no guarantee for the black credit card. Because there is no one-size-fits-all recipe to become a Centurion member. If you choose American Express, you will receive an invitation. And if not? Then you were just unlucky. If the institute offers you the precious card, you should access it despite the high annual fee (which is in the four-digit range). Because as soon as you have the black card, you have an incredible service at your disposal.

Selected events and all-round service

Black Card holders have the option of using the Centurion customer hotline to provide a concierge with their requests 24 hours a day. Among other things, American Express organizes trips, interpreters and parking assistants. You also benefit from exclusive offers, such as free overnight stays in luxury hotels, upgrades for flights, insurance benefits and shopping discounts. Boredom does not arise either. Because as a Black Card owner you can look forward to invitations to special events, such as cooking classes with star chefs.

Unlimited credit limit

While you can usually only charge a certain maximum amount to credit cards for ordinary people, with the Black Card upwards everything is open. So if you spontaneously decide to buy a house, all you have to do is pull out your card. Chinese businessman Liu Yigian made the most expensive known transaction with a black credit card. With his black card, he spent a whopping $ 36 million in one fell swoop – for a tea cup from the Ming dynasty.

UBS Excellence and Citi Ultima

Black credit card
Black credit card

Other credit card institutions also woo the super-rich of the world with special offers.

For example, those who raise at least five million euros qualify for UBS Excellence. With it you can throw around 60,000 euros a month out of the window. There is also a concierge service that reserves tables for you in exclusive restaurants, makes travel reservations and can find rare wine.

You will get a similar service if you manage to get an Ultima from Citibank. For that you have to have at least 75,000 euros on the high edge.

Pure gold credit card

The Centurion Card from American Express is also the absolute highlight among credit cards for the super-rich. Because the black card is not made of plastic, but of metal. Sberbank’s VISA Infinite is even more luxurious. The card is made of pure gold and is decorated with 26 diamonds with a total weight of 0.17 carats. Unfortunately, the premium card is limited and reserved for the bank’s 100 best customers.

This article was published by in August 2019. It has now been checked and updated again.


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