What does the Black Gold Card mean?

The Black Gold Card is a Centurion Card issued by American Express in 1999 for top customers among Platinum card holders. Called "Black Gold Card".

Black Gold Card - a privileged credit card owned by the world's richest class. In 1999, American Express selected top customers among platinum cardholders and issued them the Centurion Card, the world's first "black gold card." With this most advanced card product from American Express, you can freely enter the top clubs in major cities around the world, and enjoy the world's unique top-level personal services and exquisite exclusive benefits, including all-round personal assistants, exclusive extraordinary travel discounts, leisure Lifestyle discounts, banking and investment services provided by bank service specialists, and 24-hour comprehensive support.

In fact, it is impossible to apply for a black gold card. For example, you can’t find any trace of American Express’s Centurion Card even on American Express’s English homepage. The black gold card is positioned as the elite among the elite. It does not accept customer applications at all and does not publicize it to the outside world. It can only be invited by the American Express card company among its own platinum users, and only top customers who are 1 in 1 of the platinum card holders can receive it. Card issued upon invitation. It is issued to users who use other American Express credit cards to spend more than $150,000 per year. At the same time, there are some other standards. At that time, cardholders had to pay an annual fee of up to US$1,000 to American Express. Two years later, the annual fee increased to US$2,500. The card is currently only issued in the United States, the United Kingdom and Hong Kong, China. Despite the high annual fee, the Centurion Card is still sought after by many Americans, and golf star Tiger Wood is among the celebrities who are lucky enough to be invited. The standard in Hong Kong is that the minimum annual salary requirement is HKD 2 million or the deposit balance in the last three months is not less than HKD 8 million, the annual fee is HKD 19,800, and the membership fee is HKD 23,800. Only a few thousand have been issued in Hong Kong. It is said that movie star Tony Leung owned one and once used it to buy groceries at the supermarket in Pacific Place, which caused a sensation.

What is the level of the bank’s black gold card?

The bank’s black gold card is the top level. It usually refers to the Centurion Black Gold Card, which is recognized in the world as the "King of Cards". There is no consumption limit, and cardholders can enjoy customized and exclusive services, top honors, and global rights. Its service purpose is also of the highest level.

However, the Black Gold Card does not accept active applications. Applications are only invited by banks. Moreover, cardholders are basically top-level groups such as political figures, billionaires, and celebrities from various countries.

Our country also issues black gold cards, which are also the top level among credit cards. The most famous one is the Centurion Black Gold Card issued in cooperation with American Express, which has been launched by ICBC, China Merchants Bank and Minsheng Bank. But unlike the American Express Centurion Black Gold Card, they have limit limits, and the credit limit is generally between 2 million and 10 million.

Also, everyone needs to note that China CITIC Bank has a black gold card. It is not a real black gold card, but a black gold version of the platinum card in the luxury series. However, this black gold card of China CITIC Bank is a private bank platinum card, which is also the highest level among platinum cards. But above it there are World Card, Infinite Card, and Diamond Card.

Extended information:

The black gold credit card is known as the "King of Cards" and is a top-notch credit card. Generally, banks actively invite customers to apply for it, and customers cannot take the initiative to apply. Moreover, the invited customers are basically celebrities, such as CEOs, presidents or chairman of well-known companies, and celebrities from all walks of life.

If you want to get a black gold credit card, you must at least be one of these celebrities, top talents in the industry, with millions or even tens of millions of deposits in the bank, and senior bank managers. recommend.

If you are just an ordinary office worker, you cannot get a black gold credit card. However, there is not much demand for ordinary people to apply for black gold credit cards. If they want to spend money in advance, just apply for an ordinary credit card. The annual fee for a black gold credit card is extremely high, and ordinary people cannot afford it.

If you are not satisfied with the credit card limit, then if you have certain financial ability and cannot apply for a black gold credit card, you can apply for a platinum card. The limit of a platinum credit card is generally more than 50,000. It can even reach tens or millions to meet the large consumption needs of customers.

Black Gold Credit Card Annual Fee:

1. American Express Centurion Black Gold Card

The annual fee for the American Express Centurion Black Gold Credit Card is $2,500. In China, it cannot be independently issued in the mainland, but it is issued in Hong Kong, and the annual fee for the Centurion Black Gold Credit Card in Hong Kong is HK$19,800.

2. Domestic American Express Centurion Black Gold Card

The domestic American Express Centurion Black Gold Credit Card is issued through the cooperation of three authorized banks: Industrial and Commercial Bank of China, China Merchants Bank and China Minsheng Bank. .

The annual fee for the ICBC American Express Centurion Black Gold Card issued by Industrial and Commercial Bank of China is RMB 18,000, while China Merchants Bank issued the Centurion Black Gold Card at the same time as ICBC. Therefore, China Merchants Bank’s Centurion Black Gold Card The annual fee of this Centurion Black Gold Credit Card is the same as that of the ICBC American Express Centurion Black Gold Card, which is also RMB 18,000.

Minsheng Bank issued it a few years later than ICBC and China Merchants Bank. However, the Centurion Black Gold Card issued by Minsheng Bank has the highest annual fee among the Centurion Black Gold Cards issued in China, requiring 36,000. Yuan Yuan.

3. CITIC Black Gold Credit Card

CITIC Bank has also launched a Black Gold Credit Card, but CITIC Bank’s Black Gold Credit Card is not the Centurion Black Gold Credit Card, but the Black Gold among the LuxuryCard credit cards issued by it. level card. To be precise, it is a private banking platinum credit card from China CITIC Bank, with an annual fee of 6,800 yuan.

What is the credit card black gold card? How to apply

Credit cards include UPC, silver, gold, platinum and unlimited cards. The unlimited card is a black card. It is called a black card because almost unlimited cards are black. As the level goes up, fewer people can handle it. The black card, like its color, reveals mystery, so what kind of card is the black and gold credit card? How to do it?

1. Black credit card - Take the Citibank Ultima credit card as an example

So, what is a black credit card? Citibank's black credit card called "Ultima" is called the "King of Cards" by industry insiders. Some people say that only by owning this kind of black card can the card owner's "noble status" be fully demonstrated. Because this kind of black card does not accept applications, only banks actively invite customers to join. , American Express’s black card cardholders are very few top customers. The high annual fee (about 10,000 yuan) has become an unimportant factor. An official from Citibank said that no more than 1 in 10 Hong Kong customers are expected to become Ultima card owners.

2. The "response to all requests" rights of black credit cards

For black card owners, there is no such thing as a "credit limit". Someone once asked the person in charge of Citibank, if the owner of a black card wants to use the card to buy a plane, would that be okay? The answer was: no problem. In terms of customer service, black card banks all provide customers with "all-in-one personal assistant" services. The bank's promise is that whatever you can imagine, you can do it (the high-end large-denomination credit cards of Shanghai Pudong Development Bank in those years had amazing rights!).

What is the black gold card?

1. The black gold card is what we usually call the black card, which is the highest level among bank cards.

2. The black gold (highest) level version of the "Centurion Series Debit Card" launched by American Express in the UK in 1999 is also called "black" because the main color of the card surface is black. Card". The Centurion Black Gold Card is recognized as the "King of Cards" in the world. This card is positioned at the top group and has no limit limit (the Centurion Black Gold Card in China is a cooperatively issued credit card, so there is a limit limit, and the credit limit is 2-10 million). Most of the cardholders are political figures, billionaires and celebrities from various countries. They are invited by American Express and do not accept card applications.

3. Cardholders can enjoy the world’s top member-exclusive benefits, rights and services.

Since domestic policies prohibit foreign card organizations from independently issuing charge cards in China, American Express changed the Centurion series of cards into credit cards in China and authorized the Industrial and Commercial Bank of China, China Merchants Bank, and China Minsheng Bank to issue them. Basic application requirements; at least the annual consumption must be more than 2 million yuan (this does not include large-scale car purchases and house purchases).

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1. What is the general limit of a black gold card:

The limit of a black gold card generally has no upper limit abroad, and is also called unlimited. Card. However, in China, there are usually quota restrictions, but the quota is generally between 2 million and 10 million, which ordinary people cannot apply for. One characteristic of black gold cards is that the people who use these cards are either rich or noble, because black gold cards have very strict review of users, and those without corresponding assets or social status cannot get it.

2. The world’s top black cards:

1. Dubai Royal Mastercard Black Card

Card holders generally have royal titles, or are in society, People with high achievements in the business field. The left and top sides of the credit card are inlaid with gold edges, and there is also a 0.235 carat diamond set in the middle of the black card. Covered with gold and set with diamonds, it is an absolute piece of equipment for the wealthy. It is issued by First Bank of Dubai on an invitation-only basis and has a dedicated team on call around the clock.

2. Morgan Black Card

This card is made of 23k gold and palladium metal. Palladium metal is also a very rare precious metal. It is said that even if the card is melted and sold Metals can also be sold for a value of $1000. This card weighs 27g, making it one of the heaviest credit cards in the world. High-end clients of Morgan Private Bank can apply.

3. American Express Centurion Black Card

A well-deserved black card, known as the king of black cards. The criteria for its invitation system have never been known, and only wealthy people who are strong enough and lucky enough can be invited. The entrance fee is US$5,000, and US$2,500 per year thereafter. You can enjoy "do whatever you want" and world-class VIP treatment, and the privileges you have are even more jaw-dropping. There is a saying: Once you apply for this card, it opens a door to the hidden high-end class for you.

That’s it for the introduction of credit card black gold card.