Black card is a general term for top credit cards. It refers to the ultra-high-end credit cards that each bank will tailor for top customers at the top of the pyramid. It is not aimed at ordinary customers. The threshold is extremely high and the annual fee is scary. Of course, the service is also Excellent.

Card opening fee

The domestic annual fee is 18,000 yuan. Currently, there are only two banks in China that are qualified to issue American Express black cards, and the annual fees are both 18,000 yuan. < /p>

The opening fee for a foreign black card is US$7,500, and the annual fee is US$2,500. According to data, the average asset of a black cardholder is US$16 million, and the average annual household income is US$1.3 million.

The application threshold is that you cannot actively apply for the American Express Black Card, which is called the "King of Cards" and cannot be actively applied for. The card owner is actively selected among platinum card users. Invite 1% of customers to apply.

Consumer Group

Annual income is at least US$10 million, male, 35-60 years old, CEO, president or chairman of well-known companies

Have an annual income of at least US$10 million, own multiple luxury cars, and enjoy private yachts and airplanes. You must also be willing to spend money and not care about money. Overseas purchases of more than 1 million yuan do not include large purchases of cars or houses.

Enjoy services: no upper limit of credit limit, even if you buy an airplane

Top service: no upper limit of credit limit, Can directly swipe an airplane. Exclusive personal butler service numbered 1 to 800.

High-end areas: luxury hotels, resorts, airlines, private clubs, golf clubs;

Low-end areas: supermarkets, fitness and beauty, refueling, and daily life services.