A black card is an exclusive credit card often regarded as a symbol of status and luxury, known for the privileged access and premium services it offers. Only a small number of people own this card, including successful entrepreneurs, high-net-worth individuals, or premium banking customers.
Black card holders are entitled to enjoy various exclusive services and facilities, ranging from personalized financial and investment services, travel convenience, to exclusive promotions and discounts. Its popularity has frequently been discussed on social media due to its extremely high level of exclusivity.
For those who want to understand what a black card is, its requirements, and how to obtain one, read the full explanation below.
What Is a Black Card?
A black card is a super-exclusive credit card from American Express, widely known as a symbol of prestige and wealth. Not everyone can own it, as the card is only offered to ultra-wealthy individuals or VIP/VVIP customers with exceptional financial records.
In Indonesia, black card holders typically must have made transactions of at least USD 250,000 using an Amex Gold or Platinum card and be willing to pay an annual fee of around USD 5,000. This card offers a wide range of special privileges, including unlimited spending, VIP access at airports, luxury hotels, and world-class restaurants, as well as other premium services.
The number of black cards is extremely limited—only around 20,000 worldwide—and each holder receives a certificate of ownership. In short, a black card is not just a payment tool, but also a rare marker of social status and financial achievement.
Functions and Benefits of a Black Card
Black card holders seem to have a free pass to enjoy exclusive services and facilities that are rarely accessible to others. From VIP access at restaurants and concerts, staying at luxury hotels, to renting luxury cars or private jets, everything can be enjoyed with ease.
For those curious about the benefits of a black card, here is a complete overview of its functions and special privileges:
1. VIP Services and Access
Wherever you are—restaurants, shopping centers, or concerts—black card holders receive special access. For example, you can sit in the best seats closest to the stage when attending your favorite performances.
2. Closing a Store for Private Use
Some venues offer exclusive rights to temporarily close a restaurant or store for you, allowing you to dine or shop more comfortably without interruptions from other customers.
3. Unlimited Access to Centurion Lounge
Black card holders have the opportunity to enjoy the Centurion Lounge at airports, a luxurious area designed specifically to provide maximum comfort while waiting for flights.
4. Renting Luxury Facilities
This card allows you to rent premium facilities around the world, making travel or vacations more convenient with exclusive services.
5. Staying at Five-Star Hotels with Exclusive Services
At any luxury hotel, black card holders receive special treatment, ranging from the best rooms to additional facilities rarely enjoyed by regular guests.
6. Renting Luxury Vehicles
From luxury cars to yachts and private jets, black card holders can take advantage of the Centurion Auto program for access to premium vehicles, including Lamborghini, Bentley, or even Formula 1 race cars, as well as luxurious yacht facilities.
7. Exclusive Invitations to Events and Renowned Brands
Black card holders may be invited as VIP guests to exclusive events or famous brand occasions, such as the Victoria’s Secret Fashion Show, ensuring every experience is always at an elite level.
Facts About the Black Card
Many people are curious about the black card due to its exclusivity and luxurious facilities. Beyond being a symbol of prestige, here are some interesting facts about the black card:
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Only 20,000 cards worldwide: The black card is extremely limited, with around 20,000 cards issued globally. The exact number of holders is not publicly disclosed.
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Card weight of 22 grams: Four times heavier than a regular credit card, complete with a certificate of ownership, presentation box, and special wallet.
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Exclusive to selected individuals: Not all billionaires can own it. American Express personally selects potential holders, including well-known artists and celebrities.
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Invitation-only: The black card cannot be applied for directly; only the bank can invite selected customers.
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High annual fees: Card holders pay an initiation fee of around USD 10,000 and an annual fee of approximately USD 5,000.
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No preset spending limit: Holders can make transactions of any amount, as the bank has already verified their ability to settle the balance.
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Elite privileges: From first-class flight access to various other luxury facilities, all exclusive services are reserved only for black card holders.
Requirements and How to Get a Black Card
Obtaining a black card is not as simple as applying for a regular credit card, as the process is highly exclusive and confidential. Generally, the card is acquired through an invitation from American Express based on the following strict criteria:
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Be an American Express customer: You must already have an active relationship with American Express.
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Actively use a credit card: Consistent credit card usage for at least one year is required to assess your spending habits and financial capability.
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Significant annual spending: One of the main requirements is having minimum annual spending of around USD 250,000. The higher your spending, the greater your chances of being invited to own a black card.
Even if all requirements are met, there is no automatic guarantee of receiving an invitation. The application process involves a comprehensive assessment by the card issuer, including credit history, income, and assets, making it very different from a standard credit card application.
That is the explanation of what a black card is, its requirements, and how to obtain one. By understanding this information, you can better prepare yourself to pursue exclusive facilities that align with your financial needs.
However, not everyone can enjoy the privileges of owning a black card. Most people have limited funds, which makes proper financial management essential. In addition to relying on savings, you can also utilize financing solutions when you need quick access to a large amount of funds.
To support any financial needs, BFI Finance offers various financing options with collateral such as Motorcycle Registration Certificates (BPKB Motor), Car Registration Certificates (BPKB Mobil), and Property Ownership Certificates for houses, shophouses, or office units, with a fast and efficient process.
Rest assured, all financing services from BFI Finance are licensed and supervised by the Financial Services Authority (OJK), ensuring your transactions are secure. So there’s no need to worry when you need fast funds, because #SelaluAdaJalan with BFI Finance.
