The most expensive credit card in the world: The Centurion Card requires a minimum spending of 1.63 million per year

The most expensive credit card in the world is the Centurion Card from American Express, which is For the black card we often refer to, cardholders not only need to pay nearly US$7,500 when applying for the card, but the annual fee is also as high as US$2,500. In order to maintain membership, you need to maintain a minimum annual membership fee of no less than US$250,000. The amount of consumption is equivalent to 1.63 million yuan.

The most expensive credit card in the world

As the most expensive credit card in the world, American Express’s Centurion Card is not suitable for millionaires at all. It is estimated that only multi-millionaires can Enjoy it with peace of mind. After all, even if you don’t buy ultra-high-consumption items every year, just paying its annual fee and minimum consumption will require more than 260,000 US dollars. And if a millionaire worth 5 million US dollars uses this card, it is estimated that it will only cost If you can enjoy it for more than ten years, you will become a pauper, and this credit card is not something you can apply for casually.

It is said that even on the official website of American Express, there is no way to apply for a black card, because this most expensive credit card in the world is targeted at high-end people in society, and they are all among the elite. Elites, so generally speaking, applications are not open to the public, and there is not even publicity. You can only apply if you wait for platinum members to be invited by American Express internally, and not all platinum cardholders can get this opportunity. Basically, only Only the top 1 users can get the black card.

Once you apply for the most expensive credit card in the world, it is not just used to swipe the card for consumption. It has now become a door to the high-end class, and in normal times With this credit card, cardholders can enjoy top-notch services, such as private class and first-class special services on daily airliners, the same is true for hotels and inns, and American Express will often provide free services. Complimentary various consulting services are simply taking care of your life in all aspects.

And there is also a calculation method called reward points in credit cards, which is somewhat similar to our usual points. If you spend enough, you can use this most expensive credit card in the world for almost all your expenses in the rest of your life. Payment, for example, in 2015, Chinese billionaire Liu Yiqian paid a sky-high price of 170 million U.S. dollars for Modigliani's "Nude Lying on Side", and he used a black card, and this order alone The reward points are enough to buy the world’s most expensive motorboat for a family trip.

What is the difference between China Merchants Bank Centurion Green Card and Gold Card?

The differences between China Merchants Bank Centurion Green Card and Gold Card are as follows:

1. Different levels

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The Centurion Green Card of China Merchants Bank is an ordinary card, which is lower than the Gold Card;

2. Different credit limits

The credit limit of China Merchants Bank Gold Card is generally 10,000 to More than 50,000 yuan, while the green card limit is generally between 3,000 and 50,000 yuan;

3. Different annual fees

The annual fee for the green card is lower than the annual fee for the gold card.

The head office of China Merchants Bank is located in Futian District, Shenzhen City. China Merchants Bank also wholly owns CMB Financial Leasing Co., Ltd., holds a controlling stake in China Merchants Fund Management Co., Ltd., and holds a 50% stake in Cigna Life Insurance Co., Ltd. , 50% stake in China Merchants Union Consumer Finance Company; wholly-owned holdings of Wing Lung Bank Co., Ltd. and CMB International Financial Holdings Co., Ltd. in Hong Kong. China Merchants Bank's development goal is to become China's leading retail bank. Online banking has become a widely used online payment tool for many enterprises and e-commerce websites, which has promoted the development of China's e-commerce to a certain extent.

The American Express Centurion Credit Card (Green Card) of China Merchants Bank is equivalent to other credit cards of China Merchants Bank. The application conditions are the same as those of standard credit cards. The most important conditions are that you are between 18 and 60 years old (25-60 years old for foreigners), have certain financial capabilities and have a good credit record. The annual fee is RMB 100 per year, and the annual fee for supplementary cards is RMB 50 per year. The annual fee is waived in the first year, and the annual fee for the next year is waived if the card is swiped 6 times in the same year. You can apply for the China Merchants Bank Centurion Credit Card at the bank counter. Different users will receive different credit limits when applying.

After users get the card, they need to activate it and set a transaction password and query password during activation. The application requirements for the CMB Centurion Green Card are as follows: aged between 18 and 65 years old; possessing full capacity for civil conduct; having a stable job and income, and a certain ability to repay; having good personal credit and no bad credit record; having assets and financial resources It is required to be a Golden Sunflower VIP customer of China Merchants Bank, with an annual income of more than 500,000, and an average daily deposit of more than 100,000 from China Merchants Bank.

The CMB Centurion Gold Card has the basic financial functions of a credit card, including overdraft consumption, transfers, cash withdrawals, etc. The card also has special benefits, such as access to more than 1,000 airport VIP lounges in more than 130 countries and 500 cities; providing preferential merchants around the world; and accommodation in selected luxury hotels. Therefore, if you are a user who often goes abroad, you can enjoy some very preferential rights and interests by applying for a CMB Centurion Gold Card, which can help users save money, time, etc.

What is the difference between the Global Purchase Knight Card and the Centurion Card? This article will give you a brief introduction

The Global Shopping Knight Card is a relatively popular Internet celebrity card. Because the card is black and has a high-end design, it is often compared with the Centurion Card. Many people want to know the difference between the Global Purchase Knight Card and the Centurion Card. Let’s find out together.

In fact, the biggest difference between the Global Purchase Knight Card and the Centurion Card is that the former is just a membership discount card, while the latter is a top credit card issued by the bank. Here we will review the two cards separately. A brief introduction.

1. Global Purchase Knight Card:

Global Purchase Knight Card is a membership card with preferential benefits sold by Guangzhou Tantu Network. It does not have any limit and cannot be overdrawn.

You can think of it as a membership-based shopping discount card, which can provide users with a 10% discount on gas, a 40% discount on video recharges such as iQiyi Tencent Mango TV, a 50% discount on car maintenance at 4S stores, and more There are nearly 100 special offers such as duty-free shops, outlets, and large supermarkets in 24 countries, starting at 40% off. The main function is to help everyone save money when shopping.

In addition, this credit card is free to apply for, and you only need to pay a courier fee of 12 yuan or 30 yuan to get it.

2. Centurion Card:

The full name is American Express Centurion Black Gold Card. It is issued by three banks authorized by American Express: Industrial and Commercial Bank of China, China Merchants Bank and China Minsheng Bank. The top credit card has the basic financial functions of a credit card, with a credit limit of 2 million to 10 million. It can be used for overdraft consumption and cash withdrawal.

Of course, as the top credit card, in addition to its high limit, the Centurion Card can also provide cardholders with extraordinary global travel, international airline discounts, private jet privileges, VIP lounge privileges at global airports, Global car rental privileges and other top-end high-end service rights. In addition, the cost of this card is relatively high, with an annual fee of tens of thousands of yuan, so ordinary people cannot apply for it.

Why is Ping An Centurion Platinum Credit Card one of the best cards?

Ping An Bank Centurion Credit Card has been recommended by many cardholders, so what is so good about this credit card? Are there any special rights? Next, let me introduce the Golden Investment Credit Card and why it is said that the Ping An Centurion Platinum Credit Card is one of the best cards?

1. Brief introduction to the card

The annual fee: RMB 6,000, is rigidly charged and cannot be waived.

Cards available: Ping An Centurion Platinum Card main card Check credit)

Also obtained: Unlimited PP card (unlimited 1 person for free) Unlimited PP card, the annual fee is RMB 6,000 in the first year.

2. Credit card limit

This credit card is a platinum credit card, and the limit starts at 50,000 yuan, regardless of whether you If you have a Ping An credit card, you can apply for it.

3. Credit card application channels

Ping An Centurion Credit Card is currently the only Centurion Platinum Credit Card that customers can apply for online. "Ping An Bank Credit Card" is in the menu in the lower right corner. You can directly choose to apply for a card online.

IV. Summary of actual realizable rights and interests (first year: 4 cards cumulatively, no split introduction)

1. 2,000 yuan travel vouchers will be given when you sign up for the card, usage rules: 1000X2 sheets , need to be used in 2 separate orders, and need to be booked through American Express concierge channel. It can be understood as: to use this 2,000 yuan travel voucher, at least 2 itineraries (or 2 air tickets) are required. The less will not be refunded, and the more will have to be replenished. Air tickets are universal all over the world. If you book a ticket for 800 yuan, you can also use a 1,000 yuan coupon. If you book a ticket for 2,000 yuan, you can only use a 1,000 yuan coupon, and you have to pay 1,000 yuan in cash to make up for the difference ( Delay insurance is available).

2. If you spend 4 times for 288 yuan, you will get a free shopping voucher of 888 yuan in the mall. You can choose one of three to exchange for gifts. Taking the sweeping robot as an example, the average price on e-commerce platforms is above 888. However, considering the particularity of the gift channel, the actual value is calculated based on a 30% discount

3. Take advantage of the 30th anniversary event to spend more than 888 yuan. 50,000 to get a trolley case or rice cooker, as well as the 30 times points activity for 30 days, which can be calculated as a cumulative benefit of about 1,000 yuan. (The price of 350,000 points is 700 yuan, and the price of a trolley case or rice cooker is 500-600 yuan). The handling fee of 510,000 yuan is calculated as 360 yuan.

4. The annual upper limit of Da Platinum’s refueling funds is 960 yuan. If the monthly consumption reaches the standard, the upper limit of 80 yuan in refueling funds will be obtained, and the annual total is 960 yuan. Rigid income for car owners.

5. The Centurion overseas airport pick-up and drop-off principal card and supplementary card total 8 times. The overseas airport transfer is based on the base price of 260 yuan per time, and can be rigidly charged: 2,080 yuan. However, with the tightening of the Industrial Bank, Ping An transfer If the rules are not changed if the rules are not changed, breaking 300 should be just around the corner.

6. The total number of primary and secondary cards for domestic airport pick-up and drop-off at DaPlatinum (including high-speed rail stations): 12 times. It should be noted that Ping An’s airport pick-up and drop-off only need to be booked 4 hours in advance, while Pufa AE White needs to be booked 48 hours in advance. Hourly reservations. In contrast, Ping An has a wider pick-up and drop-off area (available at train stations, high-speed rail stations, and airports), and the reservation time is more flexible, just 4 hours in advance. The price is 80 yuan each time, and the total rigid income is: 960 yuan

The above are basically rigidly realizable rights and interests. The total amount is about: 7888 yuan, a 20% discount, and 6300 yuan, which can be used to offset the annual fee. There is more than enough rubbing.

5. Summary of the actual rights realized by the user (first year: 4 cards accumulated, no split introduction)

1. 2 unlimited PP cards (unlimited 1 person for free) ): Based on a family of 4 people traveling twice a year (once during the Spring Festival and once during the National Day), the number of people traveling is: 16 people (round trip), and each entry to the VIP room for rest and food is calculated as RMB 50, and the discount is: RMB 800.

2. In the American Express VIP Lounge in Hong Kong, each main card can bring 2 people into it for free, that is, the main card is a supplementary card. Up to 6 people can enter the American Express self-operated VIP lounge in one ***. Due to the geographical location Restrictions, no discount calculation is done here. If you use it, you will earn it. No questions asked from other countries, in principle it should be possible too.

4. Hotel membership: There are four hotels where you can get different levels of membership. You need to call the American Express Concierge to upgrade your ID or re-register your ID after opening the card. This process may take 1-2 days. months, so if you are in need, please call American Express Guest Service to register as soon as possible. It should be noted that if you want to enjoy the hotel's additional benefits (such as upgraded room types, free breakfast, etc.) with the ID upgraded by American Express Concierge, you must use American Express Concierge channel or hotel direct channel to book, and book through a third party (such as Ctrip, Fliggy, etc.) cannot obtain American Express concierge rights.

But don’t worry, American Express Concierge Booking, the price is almost the same as Ctrip. Tonight I specifically inquired about the prices of Shangri-La and Kerry Hotels under Shangri-La. I checked in on May 26, 2018 and checked out on the 27th and asked American Express Concierge for a weekend stay. Compared with Ctrip, there is basically no difference (a difference of tens of dollars), but booking through the American Express concierge channel can get free breakfast for two, as well as hotel vouchers ranging from 50 to 100 US dollars, etc. This is something that third-party platforms cannot provide. of.

5. Mission Hills benefits: Check in at the hotel's rack rate for that day, stay 1 get 1 free, also calculated based on check-in on May 26, 2018 and check-out on the 27th, the average price of Shenzhen Mission Hills Hotel is 500 yuan/night , what else do you want?

6. Unlimited domestic and overseas delay insurance, 2,000 yuan/time, the rule is not to exceed 2,000 yuan. If your ticket is purchased for 1,000 yuan, then it is 1,000 yuan. Yuan compensation, if you bought it for 3,000 yuan, you will be compensated according to the upper limit of 2,000 yuan. If delayed departure/arrival meets one of the criteria, the benefits will be activated within 2 hours. Unlimited payouts. In this regard, CITIC’s delay insurance should be eliminated immediately.

7. Overseas travel accident protection: I have never used it before, so I won’t introduce it. I heard that if your luggage is delayed, you can buy daily necessities in advance, get invoices for reimbursement, etc. However, as Ping An has the lowest insurance price, some of the insurance rights it gives away are quite good, at least it saves an insurance expense.

8. Platinum dual card 5 times points in birthday month: ***Swipe 500,000, get 2.5 million points, handling fee is 3,000 yuan, points value is 5,000 yuan, profit is 2,000 yuan.

9. Other rights and interests: a-10 times overseas points is relatively useless. If the rules are revised next year and there is no limit to 10 times points for overseas merchants, it may be able to improve the competitiveness. b- I hope none of us will need global emergency relief, but I heard that when you are in need, American Express’s capabilities can exceed your imagination. c-FHR and THC hotels cannot be classified as general household consumption places, and will not be described in detail here. d-Other rights and interests: To sum up, if you can just use it, you will definitely earn it.

To sum up, although this credit card has a high annual fee, the benefits are definitely worth the annual fee.

The above is the content I introduced to you about "Why is Ping An Centurion Platinum Credit Card one of the best cards?" from Jintou Credit Card. I hope this article I compiled will be useful to you. If you want to know more about credit cards, it is recommended to pay attention to Jintou Credit Card!

What are the conditions for applying for the China Merchants Express Centurion Black Gold Card? Pay attention to these when applying for a card

As a black card with a super high limit, the China Merchants Bank Centurion Black Gold Card is the dream of many people. Everyone would want to have such a top-notch credit card. So, what are the conditions for applying for the CMB Centurion Black Gold Card? Today I will introduce to you the specific conditions required to apply for the Centurion Black Gold Card.

The application conditions for Centurion Black Gold Card of American Express

Because the Centurion Black Gold Card can be said to be the top card in the world, it serves many top consumer groups. , so the conditions for applying for American Express Centurion Black Gold Card are very strict. You cannot actively apply for the Centurion Black Gold Card. It is an invitation-only card. Only a very small number of selected high-end bank customers can be invited to apply for this credit card. The number of invitations is roughly 1 for Private Banking users.

What are the conditions for applying for the China Merchants Express Centurion Black Gold Card?

Although there are certain differences between the China Merchants Bank American Express Centurion Black Gold Card and the American Express Centurion Black Gold Card, the application conditions are roughly the same for both. Individual applications are accepted, mainly through invitations from banks.

CMB Express Centurion Black Gold Card holders must be bank customers with annual average daily deposits of more than 20 million yuan, and your personal assets must be excluding insurance, third-party deposits and In addition to the pledged assets, it must also reach at least 10 million yuan, and the China Merchants Express Centurion Black Gold Card also requires the cardholder to be a well-known celebrity in society.

The above is a summary of the conditions for applying for the Centurion Black Gold Card of China Merchants Bank. China Merchants Bank’s Centurion Black Gold Card is an invitation-only card. If you meet the above application conditions, generally China Merchants Bank It will actively invite you to apply for this Centurion Black Gold Credit Card.

What does Centurion Card mean?

Centurion Card (English: CenturionCard) is a debit card issued by American Express Company, also commonly known as "Black Card". Card" and "Black Gold Card" are bank cards that can only be applied for after being invited. The biggest difference from ordinary credit cards is that black cards do not have a credit limit limit. With the Centurion Card, you can freely enter the top clubs in major cities around the world, and enjoy the world's unique top-level personal services and exclusive privileges with excellent taste.

The Centurion Card has been issued in the United States, Canada, Mexico, Europe, South Korea, Mainland China, Japan, Taiwan, Hong Kong, Australia and the Middle East. Depending on the region where the card-issuing bank is located, the services and benefits provided by the Centurion Card will be slightly different. _

The Centurion Card is a bank card that must be invited to apply for use. American Express issues an invitation letter after evaluating the customer's net worth, credit situation and consumption status, but American Express does not Announcement of invitation criteria for Centurion Card. But American Express describes Centurion cardholders as a group of individuals who “have extremely high personal net worth and constantly pursue the best and most exclusive enjoyment.” They own their own companies, travel frequently, and fully meet the definition of successful people. . At the same time, Centurion Card holders have particularly discerning tastes and are a group of global players who really deserve to go into inaccessible areas. They never compromise and expect to be treated better than those around them: tailor-made personalization, unlimited financial capacity, exclusive travel deals and unimpeded global reach.

The Centurion Card is not only a bank card, but also represents an upper class society with high income and luxury consumption. The Centurion Card is enough to pay for anything one could wish to use, and registration is invitation-only and comes with a hefty annual fee.

The unknown benefits of American Express Centurion Black Gold Card members:

1. Complimentary accident insurance of RMB 1.5 million;

2. Free in Hong Kong and Hong Kong Legal advisor;

3. Star-rated hotels in China, Hong Kong, Macao and the Asia-Pacific region, and can enjoy facilities and discounts in more than 50 domestic golf courses;

4. In addition to high-end restaurants, In addition to discounts on brand-name clothing, high-end department stores, high-end clubs and nightclubs, members can enjoy discounts if they change the seat frame of their vehicle, regardless of whether it is new or old;

5. When members introduce relatives and friends to join the membership, Asia Pacific Group will Cash rebate for member 5 as a reward;

6. Enjoy cash coupons for shopping and nightclubs at the same time;

7. Members have reached the VIP level. If they do not want to continue to join, they can still join. Cancel membership at 15% off.

8. Complimentary casino VIP hall membership:

a. Half of the membership fee can be paid in advance in the VIP hall of the Macau joint venture casino for entertainment and entertainment (interest-free for 7 days);

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b. There will be free air tickets to casinos in the Philippines and Malaysia every week;

c. For purchases in Macau casinos, you will receive free ferry tickets or hotel accommodation;

d. Casino code commission rebate;

e. Provide members with personal secretarial services outside of the office.

That’s it for the introduction of Centurion Credit Card.