Five credit cards for ultra-VIPs

The world of VIP credit cards is a strange one of 24-hour concierge service, business lounges and private jets. They’re commonplace among the elite card holders of this world. But there are VIP cards and then there are ultra-VIP cards…

Sberbank Visa Infinite Gold Card

Sherbank Visa

The ridiculous bit: It’s made from solid gold

That’s right. This credit card isn’t made from your everyday plastic. The Sberbank Visa Infinite Gold Card is made from solid gold. As if that’s not enough, the card also comes with 26 embedded diamonds. But you’ll be paying for it – $100,000, in fact, $65,000 of which is for the card itself, while the remaining $35,000 goes toward your opening balance.

Aside from being one of the world’s most expensive cards, the Kazakhstani Sberbank Visa is also probably the world’s heaviest, weighing in at around 45g. But what do you expect? The purer the gold the heavier it is, and you don’t get purer than 24-carat.

J.P. Morgan Palladium


The ridiculous bit: The card itself is worth more than it’s annual fee

Not content with making a card out of gold, JP Morgan went ahead and created a card composed of a mix of 23-carat gold and the similarly rare metal palladium. They also decided to do away with sticking your details on the front, opting to laser engrave them instead. Well, it’s the little things that count.

The card weighs in at about an ounce and, with the price of palladium standing at just under $800 per ounce and gold more than 1.5 times that at a shade under $1,300, it soon becomes clear that this card could fetch about $1,000 if melted down and sold for scrap. The annual fee on the Palladium Card is only $595, so if a few cardholders start ‘losing’ their card and asking for replacements you can probably guess why.

Not that their customers need the money that badly – the card is targeted mainly at JP Morgan’s private banking clients who are generally required to have about $5,000,000 in assets. The card also requires an annual spend of $250,000 and, as Bloomberg reported, the will never be declined as there is, theoretically, no credit limit.

Coutt’s & Co. World Card

Coutts Card

The ridiculous bit: The Queen is one of about 100 people have one

With an estimated 100 in circulation the Coutt’s & Co. World Card is about as rare as credit cards get. First, you’ll have to be a member of Coutt’s Bank, but that’s the easy part. Second, you will have to be invited, and this is where things get a little mysterious.

Invitations are sent out on an extremely selective basis with the criteria for selection still shrouded in secrecy. Known card holders include Elton John and yes, The Queen. Although we’re sure her selection was a bit of a no-brainer for the very British institution that is Coutts.

In relation to it’s rarity the annual fee of £350 seems pretty meagre and will actually be waived if you spend £50,000 on the card in a year.

Dubai First Bank Royal Legend

Royal Legend

The ridiculous bit: The 333 diamonds

The only card on this list that isn’t available to the general public is also the most extravagant. The Royal Legend issued by Dubai First Bank is supplied only to Royal Middle Eastern Families, meaning that if you want one, you’re going to have to marry in.

What makes it so amazing? Those diamonds of course and each one of the 333, specially designed by Korean firm GK Power, is carefully threaded into the high gloss base card using ‘silver rivets’.

Not surprisingly, it’s the world’s most valuable credit card as well, although due to the rarity of it a true valuation seems impossible to come by.

Sotheby’s World Elite Mastercard


The ridiculous bit: You need $2,000,000+ in disposable assets

For the art collectors out there the most exclusive piece of plastic by the world famous auction house Sotheby’s. But they aren’t just giving them away.

You have to be a regular buyer, spending big money on art at their auctions, to qualify. You also need to be earning $250,000 a year, minimum. But the biggie is that you’ll need $2,000,000 in disposable assets you can spend with them – cash, for example.

So if you have $2,000,000 in cash lying around and can afford the relatively modest $395 annual fee, then step into one of their auctions. You might end up one of the exclusive few with their hands on this card.