Bank of China’s black gold card has extremely strict entry requirements. Only those who are among the elite of Hurun Fortune Rankings or are distinguished members of the Hong Kong Jockey Club are eligible to be considered. Applicants need to have an annual consumption of more than 2 million yuan, but this does not include large car or house purchases. It is worth noting that even if these basic conditions are met, the black card is not easy to apply for. It is an invitation system. Applicants must be personally recommended by the branch president or a higher-level bank executive, which reflects the extremely high privacy and exclusivity of the black card.

Obtaining a black card is not a simple accumulation of consumption quota, but a dual consideration of personal wealth status and social network. Only a handful of people can stand out among the many applicants and become the holders of this distinguished status. Therefore, for those who want to own a Bank of China black card, in addition to meeting financial requirements, they must also have corresponding social status and influence. This unique and highly selective application process makes the black card a true symbol of high-end credit cards.