American Express only authorized Industrial and Commercial Bank of China, China Merchants Bank and China Minsheng Bank to issue American Express Centurion Black Gold Card in limited quantities. The product is issued by invitation, and the target is only a few high-end customers of the selected bank. Invite private bank users whose number is approximately 1%, and do not accept individual applications. Among them, the invitation conditions of ICBC are higher than those of China Merchants Bank.

According to the insiders of the bank, ICBC's requirement for cardholders is that the average annual daily deposit is more than 654.38 billion yuan, and Hurun is the richest person in the wealth list or a member of the provincial CPPCC. The requirement of China Merchants Bank for cardholders is that the annual average daily deposit is more than 20 million yuan; China Minsheng Bank has not obtained relevant information for the time being due to its short issuance time.

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Comparison of differences between domestic and foreign black gold cards

Because domestic policies prohibit foreign card organizations from issuing charge 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 and China Minsheng Bank to issue them. Because of this, there are obvious differences between the domestic centurion black gold card and the foreign centurion black gold card. The specific differences are as follows:

Card nature difference

The centurion black gold card issued abroad is a debit card, with a repayment period of one month, and it needs to be repaid in full at maturity, without installment payment; The centurion black gold card issued by domestic cooperation is a credit card, and the repayment period is generally around 60 days according to different policies, and it can be repaid by installments.

Card limit difference

There is no upper limit on the amount of the Centurion Black Gold Card issued abroad, so in theory, you can buy any valuable goods, but only the risk control limit (that is, American Express will set the risk control limit according to the cardholder's consumption habits and daily consumption, and the cardholder will buy goods exceeding this limit, and American Express staff will confirm with the cardholder by phone, and American Express will complete the payment after confirming the identity); The Centurion Black Gold Card issued in China is a credit card, so the card has a fixed amount, and there is no such thing as "unlimited amount".

The amount of black gold cards issued by ICBC and China Merchants Bank is about 200-100000 RMB, so it is necessary to apply to the bank for a temporary quota in advance to purchase goods exceeding the amount.

Card material difference

The centurion black gold card issued abroad is a metal card made of titanium alloy; In China, only the centurion black gold card issued by China Minsheng Bank is a metal card made of titanium alloy, while the centurion black gold card issued by China Industrial and Commercial Bank and China Merchants Bank is a plastic card made of PVC.

References:

Baidu encyclopedia-black gold card