Carte Noire: Have a black card – Price, conditions, advantages, Black Card: Black card price, Benames of the Black CB

Black Card: how to have a black card and how much it costs

Contents

Some examples of guarantees of a black card ::

Black Card: What conditions to obtain a black card ?

Black card

Black Card is an ultra high -end black bank card often considered as “elitist”, because inaccessible and reserved for a handful of privileged. What are the conditions to have a black card ? What advantages ? Have a black card: how much it costs ? Even better: where to find a free black card ? Comparabanques tells you everything.

  • Luxury concierge 24 hours a day
  • Best Visa insurance cover
  • Advantages and privileges Infinite Visa Club
  • Luxury concierge 24 hours a day
  • Best MasterCard insurance cover
  • Advantages and privileges Mastercard Priceless® Cities

�� ​​Black card: what a black card ?

THE Black bank cards are the most high -end and exclusive cards. They are distinguished from Premium cards, Gold Mastercard or Visa Premier, and Classic cards, Visa Classic or Standard Mastercard.

There Black Card, or “Carte Noire” in French – and sometimes even “Black Card” – is a luxury card, taking on exclusive banking services with it, justifying a demanding price and conditions of access.

THE Black bank cards are aimed at a very privileged and frilly clientele of premium services. Visa and Mastercard both offer a Black Card ::

  • The Visa Black Carte: Infinite visa ;
  • The Black Card Mastercard: World Elite Mastercard.

Black Card banking prices and its accessibility conditions So reserve it for the wealthy. In fact, all banks do not offer it: long, they were only offered by some traditional banks, but online banks are starting to position themselves on this market and change the rules, rendering the Black bank cards more and more accessible.

⚖️ World Elite Mastercard and Visa Infinite, the comparison of Black Card offers

Desire for a black card ? There Black card visa infinite and the MasterCard World Elite Map are generally equivalent, only the network really changes. Find our comparison of Best Black Cards Visa and Mastercard on the market :

�� Learn more

From € 4,000/month (net income)
Free conditions: monthly payment of € 4,000

Flow: ❌ Immediate | ✔️ Delayed

€ 4,000 net per month

✔️ Acceptance on file

✔️ Acceptance on file

Welcome offer: ❌
Price: see conditions relating to the regional fund

Updated data August 2023

�� The cheapest black bank cards: our top 3

�� Fortuneo: the free Mastercard Card Mastercard

Fortuneo is an exception on the selective market of black cards : by proposing his Free Bank Bank card, online bank stands out from other offers from paid black cards. For Get the World Elite Mastercard card from Fortano for free, However, the following conditions must be fulfilled: you will have to on the one hand justify an income of € 4,000 net/month at the opening and, on the other hand, Pour 4,000 € each month into your Fortuneo account. If this payment obligation is not respected, the Carte Noire de Fortuneo will be invoiced to you 50 €/quarter, or € 200/year, a price that remains the cheapest on the market.

�� Bforbank, an accessible infinite black card

Bforbank offers a Infinite visa card at an ultra-competitive price and reasonable resources. Allow only 200 €/year to benefit from all the advantages of Bforbank Black Visa Card In delayed flow. To claim, you will have to justify € 4,000 net/month In individual account and € 6,000 net/month in attachment.

�� Crédit Mutuel, the cheapest black card in traditional banking

With a Mastercard Mastercard at only € 280/year, The traditional bank Crédit Mutuel offers one of the cheapest black cards on the market. Accessible on file, the Crédit Mutuel Carte constitutes an excellent alternative for those who wish benefit from a black cart and keep the services of a traditional bank. Crédit Mutuel being a mutualist bank, remember to check the specific conditions Applying for your Regional Caise for the Black Card.

�� Free black card: where to find a free black bank card ?

Desire for a Free Black Card ? You will have to turn to the Fortuneo online bank, the only one to date to offer the Black Card for free. Fortuneo changes the situation on this very selective market with a Free World Elite Master Card.

For Get the free black cart of fortuneo, it will nevertheless have to meet a certain number of conditions:

  • Free black card conditions Fortuneo
  • Income conditions: € 4,000 net/month
  • Conditions of payments: € 4,000 net/month

Carte Noire Fortuneo: What’s going on if I do not pay € 4,000/month ? If you do not respect this Payment condition Each month, Fortuneo invoiced you 50 €/quarter. There Carte Noire Fortuneo is therefore free, only to domicile its income. However, 50 €/quarter returns to 200 €/year for the Black Fortuneo card, A The lowest annual cost of the market.

�� Black Card conditions: how to have a black card ?

When we talk about black card, We therefore refer in principle to the World Elite Mastercard card or at the Infinite visa. The black card is often considered unaffordable for a question of price and resource conditions. But what about their real accessibility conditions ? How to have a black card ?

In general, the customer must respond to different Conditions of eligibility To access the offer:

Obtain a black cards: the conditions

�� Terms
Income conditions ✔️ Between 50,000 and 60,000 euros per year depending on the banks
Income domiciliation ✔️ Most banks will require domiciliation of income
Annual subscription ✔️ A subscription from an average of 300 euros per year

Note that the details of Conditions of access to a black bank card are not always provided by traditional banks, which still seem cautious about communicating their information. Conversely, Online banks play the transparency card and share the details of their offers.

Obtain a black card without income conditions: the alternative of neobanques

For those who cannot fulfill the demanding income conditions for black cards but would always want to have a high -end card, THE Metal cards Mobile banks can be a good alternative: for ten euros per month, you can benefit from a metal card with an elegant design, including Reduced foreign costs, a insurance cover to all events and Privileges.

Be careful however, these metal cards remain cards with systematic authorization, often without overdraft authorization and do not include a concierge service, similar to that of black cards.

Nickel Metal
€ 100 per year

✔️ No income condition

  • Metal card without income conditions
  • Withdrawals in France and on free trips abroad
  • Travel insurance abroad

Metal Bank Boursorama card

METAL BOXORAMA BUTHER
€ 9.90 per month

✔️ Immediate debit: none
✔️ Delayed debit on request: € 2,500 net of monthly income

✔️ Free and unlimited payments and withdrawals all over the world
✔️ Conditions of income among the least selective for a premium card
✔️ Insurance Voyages and Premium Assistance traveling abroad (ex: Smart Delay)

Revolut Metal
€ 13.99 per month

✔️ No income condition

✔️ Travel insurance abroad and in the mountains
✔️ Cashback program
✔️ Free lounge access with smartdelay for 1+3 friends

N26 Metal card

N26 Metal
€ 16.90/month

✔️ No income condition

✔️ Travel insurance abroad and in the mountains + mobile insurance and car rental
✔️ Outside free and unlimited euro zone
✔️ Telephone customer service

Updated data August 2023

�� Black Card: the ceilings of the Carte Noire

That you opt for the Visa Black Card, infinite visa, or Black Card Mastercard, The World Elite Mastercard, you will have access to Very comfortable withdrawal and payment ceilings, adapted to a privileged audience. Spend without counting, or almost: discover the Black map ceilings.

Black Card Visa

Mastercard Black Card

World Elite Mastercard

�� Black Cards Advantages: Premium Services for Black Cards

Concierge, privilege and insurance services abroad, The Black Card Visa Infinite, like the Mastercard World Elite, offer a multitude of advantages. Overview of Ultra-Premium Services of Black Card.

Assistance and insurance: offered by Visa Infinite and Mastercard World Elite cards ?

On the side of Insurance abroad, Black cards have the Best insurance coverage with the most extensive reimbursement ceilings.

If these services are similar to those of Premium cards, Gold Mastercard or Visa Premier, reimbursement ceilings and level of coverage are much more important with a Black Card.

Cover for the card holder and his family The insurance going with the Mastercard World Elite and the Infinite visa does not only cover the card holder, but also his partner, as well as his children or grandchildren, single and aged under 25 years old.

  • Black Cards insurance guarantees
  • Reimbursement of costs in the event of Modification/Cancellation Or travel interruption
  • Reimbursement of costs in the event of delay in transportation
  • Reimbursement of basic necessities in the event of luggage
  • Reimbursement of costs in the event of Loss by the company, deterioration or theft of luggage
  • Management of rescue and mountain research costs in the event of Snow and mountain injury
  • Reimbursement of repair in the event of Material damage to rental vehicle
  • The assistance guarantees of the Black Carte
  • Document of drugs, Glasses, lenses or hearing aids.
  • Assistance in the event of legal proceedings abroad.
  • Advance hospitalization fees.
  • Transportation management of a loved one in the case of hospitalization of more than 10 days.
  • Back to the accompanying taken care of in the same way as that of the injured.
  • Repatriation of domestic animals in the event of inability to deal with it following an accident during a trip.
  • Replacement driver To renew your private vehicle at home in the event of inability to drive following an accident.
  • Guard of my children under the age of 15 by a qualified person supported in the event of repatriation.
  • Reimbursement of medical expenses left at my expense After reimbursement of Social Security and its mutual.
  • Repatriation and funeral fees taken care of in the event of death.

⌛ For how long am I covered abroad with my black card ?

☑️ The Insurance guarantees coverage Hard during First 3 months of your trip. It only applies if your destination is more than 100 km from your home.

☑️ The assistance guarantee coverage also applies during First 3 months of travel with a Black Card.

��️ How to benefit from travel insurance/assistance with a black card ?

☑️ to benefit from insurance guarantees Visa Infinite or World Elite Mastercard, you will have to Adjust your travel expenses entirely or partially using your bank card. The specific conditions for accessing the reimbursement and the ceilings will be set by the banks.

☑️ to benefit from Visa Infinite or World Elite MasterCard assistance guarantees, on the other hand, The only possession of your card is enough. It is necessary to contact theHelpline Before initiating expenses.

Premium black map services: concierge and partner offers

Black cards Visa Infinite and Mastercard World Elite allow you to enjoy exclusive advantages, including a Concierge Service. Available 7 days a week and 24 hours a day, this privilege service allows you to be personally accompanied on a daily basis: make reservations as part of a trip, book tickets for a sporting or cultural event, or even place orders.

In order to find out the details of the offers, assistance services and insurance services going with its Mastercard World Elite or its Infinite visa, it is recommended to find out directly with banks.

�� Bank cards for billionaires: our top 3

�� The Centurion card by American Express

Accessible only by invitation for people already amex client, the Centurion card is a symbol of prestige and luxury offering tailor -made services, giving premium access to all types of events: concert, travel, transport etc. His price ? € 4,000/year in more than € 4,000 for account opening. This card is intended for customers with significant financial means.

�� Palladium visa

Highlight by its rare metal, the card made of palladium (more expensive than gold) seduces ultra-rich. Although its annual subscription is accessible: $ 595/year, for obtaining it, you will have to have the modest sum of $ 25 million at J and P Morgan, the American bank.

�� MasterCard Coutts Silk Credit Card

Possessed by the Queen of England in person, the Silk Credit Card cost is offered by the Royal Bank of Scotland. A private bank at the service of His Majesty. The conditions to obtain it ? 5 million heritage pounds as well as 500,000 pounds available immediately on your current account. This type of black card for billionaire is unique and delivered to only a few dozen people through the globe

�� Black Card in short: advantages and disadvantages

  • High payment ceilings;
  • High withdrawal ceilings;
  • Reduced costs for banking operations abroad;
  • Superior insurance cover, particularly interesting for travel because of their reimbursement ceiling;
  • Dedicated assistance services;
  • Concierge service available 24h4 and 7 days a week;
  • Exclusive partnerships reserved for Black Card customers.
  • High prices;
  • Demanding eligibility conditions;
  • Profitable value for money provided you have a real use of the concierge service;
  • Opacity of the detail of offers to certain traditional banks;
  • Variable rates depending on the banks, for more or less equivalent offers;
  • Acceptance on file.

Due to its price and its features, the Black Card is synonymous with luxury. It offers many advantages to people who can afford it. Two characteristics clearly distinguish it from premium cards: Exclusive partnerships and the Concierge Service.

Unless really enjoying these advantages and services, black cards hardly justify their price. More accessible and cheaper, premium cards or metal cards will constitute serious alternatives thanks to their satisfactory insurance coverage and their comfortable expenditure ceilings.

Want to know more about Premium Cards ? Discover our two guides:

  • The best offers from Gold Mastercard
  • The best visa first offers

�� Good deals ��
Banking promotions

Up to 160 €
See the offer

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The most read finance guides

  1. Change bank: procedures, user manual and deadline
  2. Free bank card: Find the best offers !
  3. Black Card: What conditions to obtain a black card ?

Black Card: how to have a black card and how much it costs ?

black bank card

Recognizable by their dark color, “black cards” or black cards are the highest -end bank cards on the market. But, how do they work, how to get them and what advantages really provide ?

Visa Infinite and World Elite Mastercard: our selection of black card offers

��Price ��Bank card �� Terms

Fortuneo logo

World Elite Mastercard card

from € 4,000 in monthly net income

Free conditions: monthly payment of € 4,000

Infinite visa card

Infinite visa card

✔️ Subject to the bank’s acceptance

Infinite visa card

✔️ Subject to the bank’s acceptance

Infinite visa card

✔️ Subject to the bank’s acceptance

Prestige
Welcome offer: ❌
Price: see conditions relating to the regional fund

Updated data September 2023

♠ ️ Black card: Price and conditions

❔ What is a black card ?

A black card, also called Black Card, is an ultra premium bank card, reserved for an easy audience. Visa Infinite or Mastercard World Elite are both Blacks Cards Classic: they allow access to many advantages, withdrawal of withdrawals and almost-illimized payments, damaged insurance coverage or exclusive advantages and services.

�� What a income for a Black Card ?

What a salary to get a black card ? Long reserved for a rather easy audience, the Carte Noire has since been democratized by online banks, especially with the Bforbank black cart or the free black card of Fortuneo.

THE black cards are also marketed by traditional banks on file.

�� Carte Noire: How much the Black Card costs ?

Fortuneo and his free black card card are an exception on the market Ultra-Premium card where the annual subscription is on average Between 300 and 350 €/year.

Bforbank breaks the prices, and offers, the cheapest black card, after fortuneo.

✨ Where to find a cheap black cart ?

Only the Online Bank Fortuneo will offer the Carte Noire for free but under conditions of income and payments .

FOFO Fortuneo card

World Mastercard Elite Fortuneo
0 €/month

from € 4,000 in monthly net income

Free conditions: monthly payment of € 4,000

Updated data September 2023

HSBC logo

Become HSBC customer: make the choice of a heritage bank to accompany you

HSBC is The multi -reacked bank to help you in your financial strategy : with a wide range of banking products and one Personal advisor by your side, HSBC offers a Attractive current account offer , thought for all premium needs and with products Efficient investment products.

Fancy an expert bank with you mobilized to carry out your projects and build your wealth ? HSBC has recognized expertise and a wide range of financial products to support you in all your projects:

  • Finance your projects in the best conditions : mortgage and personal loan
  • Save and develop your wealth : Life insurance, more than 10 savings booklets, experts in wealth management councilors
  • Invest in stock markets thanks to a wide range of financial investments to recognized expertise
  • Adapt to all moments of life : Manage your accounts on a daily basis thanks to a secure mobile application among the best rated on the market.
  • Our readers have also read ��
  • The detailed guide for bank cards
  • Where to find a free gold card ?
  • A look at the infinite visa, the premium card from Visa

�� Free black card: where you get the black card for free ?

At present, Only the online bank Fortuneo offers the black bank card for free. It is a World Elite Matsercard card, with the many guarantees of insurance and assistance specific to this black card.

FOFO Fortuneo card

World Mastercard Elite Fortuneo
0 €/month

from € 4,000 in monthly net income

Free conditions: monthly payment of € 4,000

Updated data September 2023

�� Where to find a black cart without income condition ?

To those who do not have sufficient income to claim a Online banking black card, neobancs dedicate equivalent metal soffres. These ultra-premium offers, proposed Between 7 and 15 €/month, Allow access to a high -end card without income conditions : Elegant design, Complete insurance cover, reduced costs abroad and even privilege services are at the key.

However, these metal offers in most cases include a Systematic authorization card, are, except Orange Bank, Without an authorized overdraft and very rarely include concierge services, Except for Lydia Noir.

Metal card: our selection of the best metal offers

��Price �� Terms ��Benefits

✔️ No income condition

✔️ Physical bank card + virtual cards
✔️ Quick account opening
✔️ insurance abroad + concierge by SMS
✔️ Innovative functionalities: prize pools, etc.
✔️ RIB FR
✔️ Access Trading + cashback

Learn more

✔️ No income condition

✔️ Metal card without income conditions
✔️ Removal in France and abroad free
✔️ insurance abroad

Boursorama-Banque logo

✔️ Immediate debit: none
❌ Delayed flow: € 2,500 net of monthly income

✔️ Free and unlimited payments and withdrawals all over the world
✔️ Conditions of income among the least selective for a premium card
✔️ Insurance Voyages and Premium Assistance abroad (ex: Smart Delay)

Learn more

✔️ No income condition

  • Insurance abroad and in the mountains
  • Free living room access with smartdelay for 1+3 friends
  • Priority customer support
  • Cashbak program

Learn more

✔️ No income condition

  • Insurance abroad and in the mountains + mobile insurance and car rental
  • Free and unlimited euro zone withdrawals
  • Telephone customer service

Updated data September 2023

Selection established on the basis of the price, the extent of the services and the insurance coverage

�� ​​The advantages of a card of the Black Card

If the black cards are so expensive and so complicated to access, it is that they allow you to benefit from a very wide and quality range of services. High withdrawal and payment ceilings, assistance services, and even luxury concierge service, everything is planned to support customer needs in these high -end cards.

Very high withdrawal and payment ceilings

As a very high -end card addressing a wealthy clientele, the Black card allows you to benefit from higher payment and withdrawal ceilings to those of all other cards. For the infinite visa card, for example, the withdrawal ceiling can go up to € 15,000 per week and the payment ceiling up to € 20,000 per month.

Insurance and reinforced assistance guarantees

Having a Carte Noire allows you to benefit from extended insurance to the maximum For the card carrier and his family, which is very useful in the event of a trip or use abroad.

These guarantees are activated by default, but to benefit from insurance you must have paid with your black card.

Some examples of guarantees of a black card ::

  • Reimbursement of costs in the event of Modification/Cancellation Or travel interruption
  • Reimbursement of costs in the event of delay in transportation
  • Reimbursement of basic necessities in the event of luggage
  • Reimbursement of costs in the event of Loss by the company, deterioration or theft of luggage
  • Management of rescue and mountain research costs in the event of Snow and mountain injury
  • Reimbursement of repairs in the event of Material damage to rental vehicle

THE black cards also allow you to benefit from suitable assistance and repatriation services to very diverse situations. These assistance services are generally similar to those offered by Gold cards but their reimbursement and coverage ceilings are much more interesting.

Among these pBLACK CARDS ASSISTANCES, we can cite :

  • The routing of drugs, Glasses, lenses or hearing aids.
  • Assistance in the event of legal proceedings abroad.
  • The advance of hospitalization fees.
  • Transportation management of a loved one in the case of hospitalization of more than 10 days.
  • The return of the accompanying taken care of, in the same way as that of the injured.
  • Repatriation of domestic animals in the event of inability to deal with it following an accident during a trip.
  • Custody of my children under the age of 15 by a qualified person supported in the event of repatriation.
  • The reimbursement of medical expenses left at my expense After reimbursement of Social Security and its mutual.
  • Repatriation and funeral fees taken care of in the event of death.

A 24/7 luxury concierge service

THE Black cards finally offer access to a luxury concierge service dedicated to their customers. Available every day without interruption, the concierge service attached to these exceptional cards makes it possible to benefit from a personalized service for various requests such as:

  • Reserve aircraft tickets, Attend sporting or cultural events
  • Reservation hotel, taxi, rental car or book a table in a restaurant
  • Search for providers, Order flowers, chocolate or gifts
  • Find a childcare
  • Get information, Like the state of traffic or weather ..

There black bank card also sometimes offers access to other exclusive advantages such as discounts, private events or stays, such as Infinite visa card which gives access to “Infinite visa club” and its share of privileged advantages.

�� The black bank card, a high -end payment method

Infinite visa card

Card publishers often market with banks A very high -end card for their wealthy customers, Like the World Elite of Mastercard or the Visa Platinum card or the Visa Infinite card.

Recognizable by their black color, these cards are thus positioned above the Gold card or the first card (which are golden) and are accompanied by a very wide range of services.

The famous black card thus gives access to very high withdrawal and payment ceilings as well as reinforced insurance and assistance, and even has its own luxury concierge service.

Of course, such an offer has a cost, and the black bank card is therefore accompanied by a high price and very demanding income conditions.

In traditional banking establishments, it is sometimes necessary to justify an annual income of at least € 100,000 to be able to benefit from a black card.
This type of card has a price as much higher than a conventional bank card; around 300 € on average.

From most widespread black cards, we can cite :

Infinite visa card MasterCard World Elite Map
Platinum visa card Mastercard Platinum
American Express Platinum card American Express Centurion card