The black card is required to be a member of Hurun Rankings or China Hong Kong Jockey Club. Usually the amount of a black card is usually several million yuan, so the cardholder's personal qualifications and financial resources must be strong enough. At least the annual consumption should be more than 2 million, which does not include large-scale car purchase and house purchase.

AmericanExpress Centurion Black Gold Card is the black gold (highest) version of "Centurion Series Charge Card" launched by American Express in the UK on 1999. It is also called "black card" because its main color is black.

Centurion Black Gold Card is recognized as the "king of cards" in the world. The card is located in the top group, and there is no upper limit (the Centurion Black Gold Card in China is a cooperative credit card, so there is a credit limit, and the credit limit is 2 2- 10/00000). Most cardholders are politicians, billionaires and celebrities from all over the world. They are invited by American Express to apply for a card, so they don't accept it. Cardholders can enjoy the exclusive privileges, rights and services of the top members in the world.

Because domestic policies prohibit foreign card organizations from issuing debit cards independently in China, American Express changed the Centurion series cards into credit cards in China, and authorized China Industrial and Commercial Bank, China Merchants Bank [1] and China Minsheng Bank to issue them.