Almost everyone has heard of \u201cThe Black Card\u201d, the most popular exclusive card out there. It all started with a rumour of a super-exclusive and secret high-end American Express \u201cblack card\u201d, back in the early 1980s.<\/p>\n Eventually, American Express decided to cash in on the rumour, introducing the Centurion Card in 1999 for only its richest customers. The card is made of anodised titanium, making the card black in colour.<\/p>\n How do you get a Centurion Card? Well, you can\u2019t apply for one. The Wall Street Journal<\/em> reported that it\u2019s only available to customers who charge more than US$250,000 (RM940,063) a year. The initiation fee alone is US$7,500 (RM28,203), while the yearly fee is US$2,500 (RM 9,410). Yikes!<\/p>\n But what are the perks? Almost anything you could think of. There\u2019s no limit on the card, so you can charge, as one customer did in 2014, HK$281 million (RM 136 million) to buy an ancient Chinese ceramic cup from Sotheby\u2019s Hong Kong. For this purchase, Liu Yiqian won 422 million American Express points, which he can exchange for \u201c28 million frequent flyer miles or about US$180,000 (RM677,512) worth of vouchers at Hong Kong retailer ParknShop,\u201d according to Bloomberg Business<\/em>.<\/p>\n Cardholders also get access to a whole host of luxurious things, most of which American Express keeps secret, but some details are leaked out. Some of these \u201csecretive\u201d things include renting a Formula One car, and concierge services. Benefits differ from country to country, but it\u2019s safe to say that almost everything is within your reach with the Centurion Card.<\/p>\n If you think titanium cards are too mainstream, you will change you mind with the JP Morgan Palladium Card. Launched in 2009, it\u2019s made of palladium and 23K gold. A Bloomberg<\/em> report estimates that the materials of the card alone cost US$1,000 (RM3,764). Your name and signature are laser-etched onto the card. Classy.<\/p>\n However, this may be further out of your reach than the Centurion Card. In order to qualify for the Palladium Card, you need to have a private banker with JP Morgan, and the minimum for that is US$1 million (RM3,764,030), although Chase Private Clients can also qualify, lowering the minimum to US$250,000 (RM941,007). The annual fee, according to Dr Credit Card, is a whopping US$595 (RM2,239)!<\/p>\n What are the benefits? For every dollar spent, you get one point, or two points if you spend on travel. And once you hit US$100,000 (RM376,355) in spending, you get a bonus 35,000 points.<\/p>\n There are no foreign exchange fees, late fees, cash advance fees, or overdraft fees. This is perfect for those who want to travel like a queen, as you also get access to more than 600 airport lounges worldwide, and you can also use MarquisJet, the world\u2019s largest fleet of private jets.<\/p>\n There are many other benefits to holding this card, and you can cash in your points for skydiving lessons, free golf lessons with a pro, and other exclusive rewards. Also, did we mention it\u2019s made of gold?<\/p>\n [interaction id=”558b9698ab9dc6b44931c890″]<\/p>\n If you are not the precious metals kind of guy or girl, you will surely be impressed with precious gems. This one of a kind card, the Dubai First Royale Card, is not only trimmed with gold, but it also come with a white .235-carat diamond smack dab in the middle of it.<\/p>\n Ibrahim al Ansari, chief executive of Dubai First, told The National<\/em> that this is “the most exclusive credit card in the world\u201d. It\u2019s available to members of the royal family and people who are obviously rolling in money. Not everyone can apply for these cards. You have to be invited, and the bank scouts clients from all over the world.<\/p>\n To offer world-class privileges and benefits, the bank has partnered with Quintessentially, a luxury services company, to provide dedicated concierge services for the cardholders.<\/p>\n “What are their needs? It’s not money – it’s service,\u201d al Ansari said. The concierge services can provide almost anything your heart\u2019s desire. Want tickets to the Oscars? Not a problem. The concierge service once flew a customer to Stuttgart, Germany just because he wanted to test-drive the latest Porsche.<\/p>\n On top of all that luxuries, cardholders can also get 4% cash back on all purchases, with no annual fees. However, there is an AED7,000 (RM7,171) joining fee (as of 2011). Of course, there\u2019s no spending limit, because if you\u2019re the kind of guy who has a diamond in his credit card, you don\u2019t need one.<\/p>\n The card prides itself on its top-notch service. \u201cYou ask for the moon and we try and get it,\u201d al Ansari said. And you can probably charge the price of the actual moon to this card.<\/p>\n Known as the \u201cmost prestigious and sought-after card\u201d, it was first introduced by the private bank Coutts & Co. in 2013. A charge card, the Silk Card gives access to a world-class concierge service, to help make your life easier in every possible way. From event management to flight reservations to recommending gifts that will blow away the recipient \u2013 you can count on the card. They\u2019ll even help you hire the best tutors for your kid.<\/p>\n Cardholders don\u2019t need keep track of their rewards points. The bank sends you a letter requesting for you to choose the reward you want everytime you pass a spending threshold.<\/p>\n For a taste, at \u00a325,000 (RM146,181), you can get two bottles of Brice Bouzy Grand Cru Champagne 2002 and 2007, and at \u00a3100,000 (RM584,693), you can get private guided tour, tasting and lunch at Hush Heath Estate for two with The Vintner.<\/p>\n This card comes with a \u00a330,000 (RM175,408) per month spending limit, but you can always raise it by talking to the bank. The annual fee is \u00a3350 (RM2,046), which is practically a steal compared to other cards in this category. This card isn\u2019t actually made of silk, though, but it is<\/em> inspired by silk patterns from Chinese tapestries.<\/p>\n![\"1.\tAmerican](\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2015\/06\/amex-centurion.jpg\")
<\/a><\/p>\n<\/span>2. JP Morgan Palladium Card<\/strong><\/span><\/h2>\n
<\/a><\/p>\n<\/span>3. Dubai First Royale Card<\/strong><\/span><\/h2>\n
<\/a><\/p>\n<\/span>4. Coutts Silk Card<\/strong><\/span><\/h2>\n
<\/a><\/p>\n<\/span>5. Citibank Ultima Infinite<\/strong><\/span><\/h2>\n