Access to airport lounges all over the world is certainly a plus. Premium cards usually come with extra safety, such as international health, luggage or car rental insurance.Īnd of course, they make air travel more comfortable. Unlike with a debit card connected to your current account, the amount you spend is only billed at the end of the billing period – not directly charged from your account.įrequent travelers in particular will benefit from the extensive insurance packages. One advantage of a premium credit card is its high credit limit. Who is the premium credit card suitable for?īlack credit cards are best suited for private and business customers who want more flexibility to their finances and who travel a lot. Other credit card providers, on the other hand, offer the premium card by invitation only. With some card providers, you can apply for the card once you reach a minimum spending threshold. Instead, the black card requirements depend on the card provider.īut generally speaking, customers with a good credit rating and a high spending volume are usually eligible for a black credit card. There are no uniform qualification rules. This means that you can’t necessarily compare the cards very easily.īut a good rule of thumb: the card in the highest tier is usually the black credit card. The credit card tiers depend always on the card provider. These include a personal concierge service and access to airport lounges. This is the black Visa card and it comes with the most exclusive services. Customers with a high transaction volume have access to the Platinum card and benefit from even more extensive additional services. What’s more, customers often receive insurance benefits and discounts at selected retailers. The Gold card provides even more flexibility, for example, through a higher credit limit. It is accepted worldwide both online and in-store, as well as at ATMs.
High definition american express centurion card free#
Many customers receive this Visa card free of charge when they open a bank account. The exact terms and conditions are always determined by the card issuer, but here’s a general overview.Ĭlassic. Their names and availability may vary by country. In many European countries, Visa offers four different types of credit cards. In addition to black credit cards and the standard classic credit cards (without a specific color), you can usually find credit cards also in gold and platinum.
The black design is not protected and is now used by card issuers for regular cards as well. The diamond-encrusted card is made of gold and issued by the Kazakhstan branch of Sberbank.Īlthough the black color is associated with the most exclusive credit cards, it is not unique to them. Just to manufacture the card is said to cost $65,000. The most expensive credit card in the world, Sberbank’s Visa Infinite Card, costs a whopping $100,000. Because of their high-end additional services, they are popular among business customers and the wealthier private users.Ī black credit card is generally viewed as a sign of status and wealth. Premium cards offered by major credit card companies include American Express Centurion Card, Mastercard World Elite and Visa Infinite. The card design is always black and plain – exuding luxury. On top of the black credit cards designed for private customers, there are also premium business credit cards available.Ī black credit card is a premium credit card with special benefits, such as comprehensive insurance packages and access to airport lounges or concierge services. To qualify for a black credit card, a customer must have a good credit rating and a high spending volume.Īmerican Express Centurion® Card, World Elite Mastercard® and Visa Infinite® are the best-known black credit cards from the major credit card providers. Black credit cards are premium cards with high credit limits and exclusive benefits.
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