The world's most expensive credit card: the minimum annual consumption of a centurion card must reach 1.63 million
The world's most expensive credit card is American Express's centurion card, which is also known as a black card. Cardholders not only have to pay nearly $7,511 when applying for a card, but also have to pay an annual fee of $2,511. Even in order to keep their membership, you need to maintain a high annual consumption of not less than $251,111.
The most expensive credit card in the world
As the most expensive credit card in the world, American Express's Centurion Card can be said to be completely unsuitable for millionaires. It is estimated that only multimillionaires can enjoy it with peace of mind. After all, even if they don't buy ultra-high-consumption items every year, they only need to pay its annual fee and minimum consumption, which will cost more than 261,111 US dollars. However, if a millionaire worth 5 million US dollars uses this card, it is estimated that he will only enjoy it for more than ten years and become poor.
It is said that even on 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 aimed at the high-end people in society and is the elite of the elite, so it is generally not open to the public, and there is not even publicity. You can only apply if you wait for an invitation from Platinum members inside American Express, and not all Platinum cardholders can get this opportunity. Basically, only the top 1% users can get a black card.
once you apply for this most expensive credit card in the world, it will not only be used for credit card spending, but now it has become a gateway to the high-end class, and with this credit card, the services that cardholders can enjoy are also top-notch, such as the special services of private class and first class on daily airliners, and the same is true for hotels and guesthouses, and Amex will often give away various consultancy services for free, which simply covers your life in an all-round way.
There is also a calculation method called feedback points in credit cards, which is somewhat similar to our usual points. If you spend enough, you can almost pay for the rest of your life with this most expensive credit card in the world. For example, in 2115, China rich man Liu Yiqian took a picture of Modigliani's "Naked Woman Lying on His Side" at a sky-high price of 71 million US dollars, and he used a black card, and the feedback points alone were enough to buy it.
What's 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 grades
China Merchants Bank Centurion Green Card is an ordinary card, which is lower than the gold card;
Second, the credit line is different
Generally, the gold card line of China Merchants Bank is more than RMB 1,111 to RMB 51,111, while the green card line is generally between RMB 3,111 and RMB 51,111;
third, the annual fee is different
the annual fee for green card is lower than that for gold card.
China Merchants Bank is headquartered in Futian District, Shenzhen. China Merchants Bank also owns CMB Financial Leasing Co., Ltd. and China Merchants Fund Management Co., Ltd., holding 51% equity of China Merchants Cigna Life Insurance Co., Ltd. and 51% equity of Zhaolian Consumer Finance Company. Wing Lung Bank Limited and CMB International Financial Holdings Limited are wholly-owned in Hong Kong. The development goal of China Merchants Bank is to become a leading retail bank in China. As soon as online banking is connected to the Internet, it has become a widely used online payment tool for many enterprises and e-commerce websites, which has promoted the development of e-commerce in China to some extent.
China Merchants Bank American Express Centurion Credit Card (Green Card) is equivalent to other credit cards of China Merchants Bank, and the application conditions are the same as standard credit cards. The most important conditions are age 18-61 (25-61 for foreigners), certain economic ability and good credit record. The annual fee is RMB 111/year, the annual fee for supplementary cards is RMB 51 yuan/year, and the annual fee is free in the first year, and the annual fee is free in the following year if you swipe your card six times in that year. China Merchants Bank Centurion Credit Card can apply at the bank counter, and different users get different credit lines when applying. Users need to activate the card after getting it, and they need to set the transaction password and inquiry password when activating it. The application conditions for China Merchants Bank Centurion Green Card are as follows: the age is between 18 and 65 years old; Have full capacity for civil conduct; Have a stable job and income, and have certain repayment ability; Personal credit is good and there is no bad credit record; The assets and financial resources are required to be sunflower VIP customers of China Merchants Bank, with an annual income of more than 511,111 yuan and an average daily deposit of more than million yuan.
China Merchants Bank Centurion Gold Card has the basic financial functions of a credit card, including overdraft consumption, transfer and cash withdrawal. The card also has special rights and interests, for example, it can enjoy more than 1111 airport VIP rooms in more than 131 countries and 511 cities; Provide preferential merchants around the world; Select luxury hotel occupancy, etc. Therefore, if you are a frequent overseas user, you can enjoy some very favorable rights and interests when you apply for a centurion gold card of China Merchants Bank, which can help users save money and time.
what's the difference between global knight card and centurion card? The article gives you a brief understanding of
global knight card is a popular online celebrity card, because the card is black and its design is high-end, and it is often compared with centurion card. Many people want to know what is the difference between the global knight card and the centurion card. Let's take a look at it.
In fact, the biggest difference between the global knight card and the centurion card is that the former is only a member discount card, while the latter is a top credit card issued by the bank. Here, we will briefly introduce the two cards respectively.
1. Global Knight Card:
Global Knight Card is a preferential membership card sold by Guangzhou Exploration Network. It has no limit and cannot be overdrawn.
you can regard it as a membership-based shopping discount card, which can provide users with 11% discount for refueling, 61% discount for video recharge such as iQiyi Tencent Mango TV, 51% discount for car maintenance in 4S shops, and 41% discount for shopping in duty-free shops, outlets and supermarkets in 24 countries. Its main function is to help you save money when shopping.
In addition, this credit card is free, and you only need to spend 12 yuan or the courier fee in 31 yuan to get it.
2. Centurion Card:
The full name is American Express Centurion Black Gold Card, which is the top credit card issued by China Industrial and Commercial Bank, China Merchants Bank and China Minsheng Bank authorized by American Express. It has the basic financial functions of credit cards, with a credit line of 2-11 million, which can be used for overdraft consumption and cash withdrawal.
Of course, as the top credit card, Centurion Card can provide cardholders with top-level high-end service benefits such as extraordinary global travel, international airline concessions, private jet privileges, global airport VIP lounge privileges, and global car rental privileges. In addition, the cost of this card is relatively high, with an annual fee of 11,111 yuan, which is not available to ordinary people.
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's good about this credit card? Do you have any special rights? Let me introduce why Ping An Centurion Platinum Credit Card is one of the best cards.
1. Brief introduction of the card
Annual fee: 6,111 RMB, which is mandatory.
available cards: the main card X1 of Ping An Centurion Platinum Card, and the supplementary card X1 (no credit check); Ping An Platinum (free of annual fee of RMB 2,811 in the first year) Ping An Platinum Supplementary Card (no credit inquiry)
Another card: unlimited PP card (unlimited free for 1 people) X2 (distributed by centurion)
The above cards are obtained: 4 credit cards and 2 unlimited PP cards, with annual fee of RMB 6,111 in the first year * *
II. Credit card limit <
Third, credit card application channels
Ping An Centurion Credit Card is the only platinum credit card available for customers to apply online, "Ping An Bank Credit Card", and you can directly choose to apply online in the menu in the lower right corner.
IV. Summary of actual realizable rights and interests (first year: 4 cards accumulated, without split introduction)
1. Give away 2,111 yuan travel vouchers when opening the cards. Rules of use: 1111X2 cards, which need to be used in two separate orders, and need to be booked in the protocol channel of American Express. It can be understood that to use this 2,111 yuan travel voucher, at least 2 trips (or 2 air tickets) are needed. Air tickets are universal all over the world. When you book an air ticket in 811 yuan, you also use a 1111 yuan coupon. When you book an air ticket of 2111 yuan, you can only use a 1111 yuan coupon, and you have to pay 1111 yuan in cash to make up the difference (you can enjoy the delay insurance).
2. You can get a gift voucher of RMB 888 from the mall after you have swiped 4 pens of RMB 288, and you can exchange one of the three for a gift. Take the sweeping robot as an example, the average price of the e-commerce platform is above 888, but considering the particularity of the gift channel, the actual value is calculated at 31% discount
3. Taking advantage of the 31th anniversary activities, you can get a luggage case or rice cooker after brushing 51,111 yuan, and after brushing 31 days with 31 times points, you can get an accumulated interest of about 1,111 yuan. (351,111 points for 711 yuan, luggage case or rice cooker for 511-611 yuan), and the handling fee of 511,111 yuan is calculated as 361 yuan.
4. The annual ceiling of the big platinum refueling fund is 961 yuan, and the monthly consumption reaches the standard, and the upper ceiling of the 81 yuan refueling fund is obtained, and the annual total is 961 yuan. Rigid income of car owners.
5. Centurion's overseas pick-up and drop-off of the attached card of the main card is 8 times, and the overseas pick-up and drop-off machine is once in 261 yuan according to the reserve price, which can be rigidly charged: 2181 yuan. However, with the tightening of Industrial Bank, the safe pick-up and drop-off machine is aboveboard and reserved for others. If the rules are not revised, it should be just around the corner to break 311 yuan.
6. The total number of shuttle buses in Taibai (including high-speed railway station) is 12 times. It should be noted that the shuttle buses in Ping An only need to be booked 4 hours in advance, while those in Pufa AE Bai need to be booked 48 hours in advance. In contrast, the shuttle buses in Ping An are wider (including railway stations, high-speed railway station and airports), and the booking time is more flexible, just 4 hours in advance. Every time 81 yuan is appraised, the total rigid income: 961 yuan
and above are basically rigid realizable rights and interests, with a total amount of about 7,888 yuan, with a 21% discount, and 6,311 yuan, which is more than enough to offset the annual fee.
5. Summary of realized rights and interests of users (first year: 4 cards accumulated, without split introduction)
1. 2 unlimited PP cards (unlimited free of charge with 1 people): 4 people in a family, traveling twice a year (once during the Spring Festival and once during the National Day), and the number of people traveling is 16 (round trip). Every time you enter the VIP room for rest and dining, it is calculated as 51 yuan RMB.
2. American Express VIP room in Hong Kong, each main card can bring two people in for free, that is, the supplementary card of the main card, and a maximum of six people can enter the American Express VIP room. Due to geographical restrictions, there is no discount accounting here. Use it and you earn it. Other countries did not ask, in principle, it should be ok.
4. Hotel membership: There are four hotels that can obtain different levels of membership. You need to call Amex Concierge to upgrade your ID after opening the card, or re-register your ID. This process may take 1-2 months, so if you need it, please call Amex Concierge Customer Service to register at the first time. It should be noted that if you want to enjoy the additional benefits of the hotel (such as upgraded room type, free double breakfast, etc.), you must use the express concierge channel or the hotel direct channel to book the ID upgraded through the express concierge, and you can't get the express concierge benefits if you book it through a third party (such as Ctrip and Flying Pig). But you don't have to worry. The price of American Express concierge booking is almost the same as that of Ctrip. Tonight, I specially consulted the prices of Shangri-La and Kerry Hotels under Shangri-La, and asked American Express concierge to quote for check-in on May 26, 2118 and check-out on the 27th. Compared with Ctrip, there is basically no error (the difference is tens of dollars), but American Express concierge channel booking can get free double breakfast and hotel coupons ranging from 51 to 111 dollars.
5. Courtesy of Mission Hills: Check in at the hotel's current market price, get 1 for staying, and check in on May 26th, 2118, and check out on 27th. What else do you want?
6. Unlimited delay insurance at home and abroad, 2,111 yuan/time, with the rule that it should not exceed 2,111 yuan. If your plane ticket is bought at 1,111 yuan, you will be paid at 1,111 yuan, and if you buy it at 3,111 yuan, you will be paid at the upper limit of 2,111 yuan. Delayed take-off/arrival meets the requirement that the rights will be activated within 2 hours after reaching the standard. Unlimited payment. At this point, we should kill CITIC's delay insurance.
7. Overseas travel accident protection: I haven't used it before, so I don't introduce it. I heard that if my luggage is delayed, I can buy daily necessities first, get an invoice for reimbursement, and so on. However, Ping An, as the starting price of insurance, gives some insurance rights and interests, which is still quite good, at least saving an insurance expense.
8. Five times points for the birthday month of Platinum Double Card: * * * Brush 511,111 yuan, get 2.5 million points, with a handling fee of 3,111 yuan, a value of 5,111 yuan and a profit of 2,111 yuan.
9. Other rights and interests: a- The overseas 11-fold points are relatively small. If the rules are amended next year, the overseas merchants are not limited to 11-fold points, which may enhance their competitiveness. B- I hope we don't need global emergency assistance, but I heard that when you need it, the ability of American Express can exceed your imagination. C-FHR and THC hotels can't be listed as general family consumption places, so I won't repeat them here. D- Other rights and interests: To sum up, if you just need it, you will definitely earn it.
to sum up, although the annual fee of this credit card is high, the rights and interests are definitely worth the annual fee.
The above is the Golden Investment Credit Card, which I introduced to you. "Why is Ping An Centurion Platinum Credit Card one of the best cards?" I hope this article I compiled will be useful to you. Want to know more about credit cards, I suggest you pay attention to Jintou Credit Card!
what are the requirements for China merchants bank express centurion black gold card? Pay attention to these
China Merchants Bank Centurion Black Gold Card, as a black card with super-high quota, is what many people dream of. Everyone will want to have such a top credit card. Then, what are the conditions for China Merchants Bank Express Centurion Black Gold Card? Today, I'd like to introduce you to the specific requirements for handling the Centurion Black Gold Card.
conditions for handling the Centurion Black Gold Card of American Express Company
Because the Centurion Black Gold Card can be said to be the top card in the world and it serves many top consumers, the conditions for handling the Centurion Black Gold Card of American Express Company are very strict. Centurion black gold card can't be applied voluntarily, it belongs to the invitation system, and only a few selected high-end customers of banks can be invited to apply for this credit card. The number of invitations is about 1% of private bank users.
what are the requirements for China merchants bank express centurion black gold card?
Although there are some differences between China Merchants Bank Express Centurion Black Gold Card and foreign express company Centurion Black Gold Card, they are basically the same in terms of handling conditions, but they are both different.