Tamara
- Apr 28, 2021
- 3 min read

The Worlds Most Elite Invite-Only Credit/Charge Cards.

Updated: Jul 23, 2021

I don’t think it’s a surprise that the world’s most exclusive and elite credit cards often are invite-only.

These credit or charge cards tend to stand out with luxurious designs to match the card holders fly.

Some of you may have already heard of the American Express Centurion Card and some of you may not. However, we decided to list a few others that are in the wealthiest of the wealthiest wallets.

Now these cards come with some really hefty requirements that honestly most consumers wouldn’t qualify for but there’s nothing wrong with learning, dreaming & visualization. Who’s to say just because you don’t qualify today you wont ever qualify years down the line.

Lets get into it!.

The Citigroup Black Chairman Card

We all know the name Citigroup, they are a MONSTER when it comes to lending. But what you probably don't know is that they have an exclusive black card as well.

This card is invite-only and you need to have MAJOR investments in your Citigroup brokerage account. While we don't know the exact amount, we have a general idea that this card could be a potential $300,000 in limit with a $500 annual fee. Perks include travel points, upgrades, and private lounges at airports across the world.

One thing is for certain is that you would need excellent credit on top of an extraordinary amount of wealth to even be considered.

J.P Morgan Reserve Card

Invite-only cards seem to be the hot topic so why don't we just keep going shall we?

Reserve card is rumored that former president Barack Obama approved this card and used it himself. If you are lucky enough to receive an invite to this exclusive club, you will need to fork up the $595 fee to gain access to all of the benefits listed.

This includes 3x points on dining and travel, a $300 travel credit every year, a credit back on signing up for global entry & protection on all purchases.

Dubai First Royale Mastercard

We know how Dubai rolls.. they do everything big in Dubai. Why not offer one of the most luxurious cards known to man?

This card has a 0.235-carat diamond at its center and the card is trimmed with GOLD. Now that's luxurious!

This card is invite only but the invitation does not guarantee that you have the necessary income to be welcomed in.

This is a no-preset limit card and the initiation fee is 7,000 in UAE dirham which is equivalent to about $1,900.

That's a hefty fee... but once in, the rewards are plentiful.

It's reported that only a few hundred consumers actually have access to this card

Additionally, you have 24/7 access to their Royale Lifestyle Management and your very own dedicated lifestyle manager.

Centurion Card From American Express

Also known as the "Black Card".

This exclusive club is invite-only and you had to have spent upwards on average $250,000 in a single year.

This is probably the most desirable out the bunch and many of you have seen the most elite athletes and celebrities flaunt this card as well. If you clear this hurdle, you then need to pay an initiation fee of $7,500 and you will pay an annual fee of $2,500.

Once in you have no preset spending limit, access to a personal concierge who can handle any request, access to exclusive airport lounges, gifts, and reservations at 1,000 of the worlds' most renowned restaurants.

The card is made out of anodized titanium and weighs 14 grams and proven to be a status symbol in the music and entertainment industry.

Some of the services the card offers are below: