10 Most Exclusive Black Cards the Rich Want to Keep Secret

Luxury yachts, private jets, gold, diamonds, and invitation-only credit cards with gold and diamonds on them. This is the world of the ultra-rich, the people who run the Squid Games, the Hunger Games, and whatever games this is. And they don't use colourful plastic credit cards like you do, no. Their credit cards are black, or gold, or encrusted with diamonds, and you can't just apply. I mean, who is also a high-net-worth individual. So what do you get? Well, access to private clubs, even whole private airport terminals, you get deals on private jets, private escorts through international airports. Just take a normal benefit, and then put the word private in front of it, and that basically sums it up. But many of these cards are very cool, and in this video, I'm going to go through ten of them. This is the ten most exclusive black cards in the world. And this video is brought to you by Aerolo, but more on that later. Number one, the Eurasian Bank diamond card. So this is an invitation-only credit card issued by Eurasian Bank, which is a Russian bank, but it is issued by their subsidiary in Kazakhstan, you know, the greatest country in the world. Now, with many of these cards, it's hard to find verified information about them online just because they're invite-only. The Illuminati doesn't want you to know about them. But here's what I can find from various sources. The card is for members of Eurasian Bank who have 15 million Kazakhstani tenge, that's their currency, which is about 31,000 US dollars in their account. The joining fee is around 1,200 US dollars, and it's only available for members of Eurasian Bank's private banking service. That one we do have some information on. It's described as a private club. And we have a heavily airbrushed photo of the managing director, Kozy Tatiana, welcoming you, and also a typical personal consultant that you get the services of as a member. I'm sure they all look like this. Is she a stock photo? Oh, she's a stock photo. I'm so disappointed. Anyway, I'm sure all their women are beautiful because I have heard that Kazakhstan is a very nice place. But now let's look at the actual card. Apparently, you have to be either recommended by the board of the bank or have referrals from two existing cardholders. The card itself is black metal with gold inlays, and it has a 0.02 carat diamond at the center of the heart on the right hand side of the card. This one is actually a mock-up made by Lion Credit Card. So if you want your own elite Kazakhstani black card, you could order one for yourself using the chip from any existing credit card. All right, let's move on to our next one. Number two, the JP Morgan Reserve card. Now, this is an elite credit card here in the US issued by JP Morgan Private Bank. That's like a step above Chase Private Client. In theory, you need $10 million in assets to be offered this card, and it's made out of solid metal. It used to be made of palladium, which is a very valuable metal, and the card itself was worth about $800. So at that time, they would send you an additional plastic card so that you didn't have to carry the metal card with you. This is the card that Obama famously used at a barbecue restaurant, although it turns out that he didn't use it that much when he was president. My credit card was rejected. Turned out, I guess I don't use it enough. Although his daughter made use of her authorized user card on the account for other things. And yeah, there's no way to confirm the validity of that photo. So it could well be fake. In fact, I'm sure it is fake. It's definitely fake. Just a disclaimer. I don't want to get kidnapped and end up in a room with these guys. As for the benefits of the card, it is pretty similar to the Chase Sapphire Reserve, which is available to everyone with the added benefit of United Club access and way better concierge. The current design of the card is not palladium anymore. It's just a metal card with a brushed steel look. Number three, insignia cards. So insignia is a luxury lifestyle concierge service. They help ultra high net worth individuals manage their life and travel schedules. And insignia has a line of payment cards for their clients like the C card that is designed exclusively for C level executives, i.e. anyone with C at the beginning of their job title, CEO, COO, CFO, etc. Then you have my favorite, the jewelry card. These are bespoke designs like this Chinese dragon themed card that features 298 diamonds and one orange sapphire for the dragon's eye on a 14 karat gold card. The creation of these jewel encrusted cards alone costs $200,000. The annual fee is $10,000 and there are less than 100 cardholders and they charge over $1 million a year each to their card. And insignia card benefits revolve around international travel. And speaking of international travel, have you ever gone abroad and come home to a massive cell phone bill because of all the roaming data you used or have you not been able to connect at all in a foreign country and found yourself scrambling from one Wi-Fi network to another? Well, I have certainly experienced such situations as I traveled the world using credit card points and miles. And that's why I've partnered with Aerolo. They're the world's first eSIM store where you can download eSIM packages for over 200 countries and regions to your phone to use when you go abroad. I have a link down below where you can download Aerolo using my code SHIFU3 and get $3 off your first data plan. Since Aerolo is entirely digital, there's no physical SIM for you to wait for in the mail and no waiting in line to get a SIM at the airport. Just download their app and choose the plan you want, whether that's data only or for some countries, they do offer eSIMs with calls and texts as well. Although, to be honest, for me, I use so many apps to communicate and even make calls through apps now that I'm normally good with just a data plan. Like when I went to Taiwan and Japan on my round the world mega trip a few years ago, we used only data the whole time. Aerolo is trusted by over 10 million travelers worldwide and can save you time and money. So get Aerolo today. Use my code SHIFU3 and get $3 off your first data plan. All right, let's now move on to an old favorite. Number four, the American Express Centurion card. The Amex Centurion card really requires no introduction. In fact, it is the original black card that is the inspiration from many of the other cards in this video. The card costs $5,000 a year and there's a $10,000 initiation fee. The card gets you access to a private terminal at LAX airport, not a lounge, but a whole private terminal. It's called the private suite. So you don't even have to go near the peasants when you take a flight. There is also now a new black card members lounge in New York City at One Vanderbilt Plaza where you can enjoy luxury dining, 55 floors above the peasants down on the street. Basically, it's a card that gets you away from the peasants. And it has some famous cardholders like Kim Kardashian, Oprah Winfrey. Thrown down the black card. Noel Gallagher. It's a ridiculous amount of money for you to get one of those. And Lindsay Lohan. Her wallet was found in New York with the black card and her driver's license. And that is who the card is really aimed at. Hollywood celebrities. The card used to be made of titanium, but has recently been switched to a more basic and lighter metal construction. So if you want something heavier, check out our next one. Number five, the UOB reserve card. So this one is from Singapore and the UOB reserve card is actually physically the heaviest card in Singapore at 28 grams. There's also an alternative version of this card with a diamond inlaid into it. For those who spend one million dollars a year or more on the regular version of the card first. It's like if in doubt, add a diamond. And UOB actually got criticized for their bad spelling in the marketing materials for this card. For those who value exclusivity in the most extinguished form. I guess they meant distinguished. And it is pretty distinguished as the most prestigious card issued by UOB Bank, requiring cardholders to have an income of 500,000 Singaporean dollars, which is about 380,000 U.S. dollars per year. That income would put you in the top 2%, even here in the U.S. The annual fee on the card is 3,924 Singapore dollars. And there is a welcome bonus of 50,000 points for spending 100,000 Singapore dollars. That is like the most ridiculous bonus spend requirement I have ever seen. The article about this card on Mile Lion, a Singaporean website for credit card points and miles, is pretty critical of the card's benefits. Although it offers lounge access, dining programs and complimentary golf days at a couple of golf clubs in Singapore, he maintains it really isn't worth the annual fee. Number six, the Coots Silk card. This is a charge card from Coots Private Bank. It offers a high monthly spending limit, but must be paid in full each month. And it is for over 18s only. They say that as if it's a selling point, which is kind of strange. I mean, this credit card for high net worth individuals isn't for kids. Yes, Sherlock, you figured it out. But anyway, the card has no annual fee. But you do need to be a member of Coots Private Bank to qualify. And that's the hard part. You see, Coots is where the British royal family keep their money. And to become a client of Coots, you have to either invest 1 million British pounds through their platform, borrow 1 million British pounds on a mortgage on a single family home, or deposit 3 million pounds in cash. Apart from the prestige of having the card, the benefits aren't anything particularly special. You get the usual airport lounge access, etc. But there is one thing that I think is pretty cool. And that's access to certain private members only clubs in London. And there's actually a really cool benefit. All right, staying with UK credit cards. Number seven, the UK Royal Mint rarest card. So I feel if Trump had to design a payment card, it would end up being something like this. The rarest card is an 18-carat gold debit card that is customised for each cardholder. And it is hallmarked, meaning the gold used in the card is traceable and certified by Goldsmith's Assay Office in London. Thus, the card itself could be treated like an investment, since there are a limited number of them produced. However, I view it as a little bit risky since it's priced at $23,000. Yet the amount of gold in the card is about two ounces, which would only be worth approximately $5,000 at today's prices. So you are paying for the rarity and hoping that people in, say, 30 years time view it as something desirable to add to their collection of, say, rare coins. Currently, the website for rarest does not have a button to apply, but you can leave your contact details and they will call you back. Unless they determine that you're not worthy of their solid gold payment card. Bloody peasant! All right, let's now move on. Number eight, the Citi Ultima card. So this is an exclusive black card from Citi in the Singaporean market. I don't know why, but Asians just seem to love exclusive credit cards. There's like five or ten of them in Singapore. So this is another one that you have to have about $500,000 Singaporean dollars or about $380,000 U.S. dollars in income per year to get invited to. The annual fee is $4,199 Singapore dollars, a bit over $3,000 U.S. dollars per year. But there are some pretty cool benefits to this card. The card was actually relaunched in 2023 with a load of new experiences that you can do like golf at St. Andrews and access to private islands. Then the card also gives unlimited priority pass access for primary card holder and two authorized users. You get complimentary airport limo transfers and fast track through security at a load of different airports. You get one free night per hotel stay outside of Singapore when you book at least two nights through Citi's concierge. Then you also get a free companion ticket when you book a first or business class ticket on these eight airlines. Has to be a full fare ticket, though. There really are a load of benefits with this one that would probably benefit business or entertainment industry people who live in Singapore. Number nine, Spurbank Visa Infinite Card. Now, this is another one from the greatest country in the world. This card was launched by Spurbank Kazakhstan in 2012. They said at the time it was the first credit card in the world to be made of gold and have diamonds and pearls inlaid into it. To get the card, you have to hand over $100,000 and $65,000 of that goes to minting the gold card with $35,000 remaining in the cardholder's account. After the first year, there is a $2,000 annual fee, but it comes with a lot of benefits like airport lounge access and some more unusual ones like health insurance. Only 100 of these cards were planned for the bank's top clients in Kazakhstan. And you would also get a free iPhone 5 when you open the account. It was 2012. I'm not really sure whether this card is still around. The only news articles about it are from 2012, and I doubt the people who have it are exactly going to broadcast it to the world. All right, now it's time for our final card, and this one is probably the most exclusive card in the world. Number 10, Dubai First Royale Card. So the Dubai First Royale Card is not for millionaires. It is for billionaires and Middle Eastern royalty. I actually had a guy contact me recently from a very unusual sounding email address that I think he just set up specifically to send that one email, and he sent me this image. I've blurred his hand, so there's no way you could figure out who this guy is. I confirmed through reverse image search that the image had never appeared anywhere else on the internet. So I'm guessing that this guy is genuine, and it's probably some Middle Eastern prince in Dubai. I'm guessing the reason for the unusual sounding email address was to hide his identity. I've emailed him back three times and he hasn't responded, which is why I think he set up the email specifically to email me anonymously and hasn't checked his inbox since. So if you're watching this, do get in touch. I'd love to do an update video on this card, and he did say in his email there had been revamped features on the card added recently. Anyway, this card has a rule, and that is that any purchase must go through. So if you want to buy a yacht with it, you can do that. If you want to buy a jet with it, you can do that, as long as the person selling the jet accepts credit cards. But obviously, you have to satisfy the bank's requirements of being insanely rich before they trust you enough to issue you this card. The main selling point of the card is their concierge service. Since these people are so rich, they don't need points or discounts on things. They're more after hard-to-get experiences. Think tables that sold out restaurants, a box at the opera. But it goes even further than that. One article about this card talked about the concierge getting the cardholder tickets to the Oscars, where you'd normally need to be a Hollywood celebrity to get invited. Or there was another customer who the concierge organized to fly to Germany to test drive a brand new model of Porsche at the factory before anyone else. And in case you're wondering, yes, the card does have gold on it. And yes, that is a real diamond inlaid into the center. I have another video on the Dubai First Royale card that I will put on screen in a moment if you want to check it out. But I really hope that our mystery Middle Eastern prince gets back in touch and we can do an update video, keeping him totally anonymous, of course. All right, that's the video for today. Thanks for watching, guys. Which one of these is your favorite? Leave your comments below. And don't forget to get $3 off your first data plan with Aerolo when you sign up using our code SHIFU3 through my link below. Please subscribe to our channel if you're new. We'll see you next time. Bye-bye.