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Some credit cards really are gold cards

Written by Geoff Williams
Posted On: November 21, 2012

Lots of credit cards call themselves gold and platinum cards, but every once in awhile, the real thing comes along.

A bank in the country of Kazakhstan recently announced their intentions of issuing an exclusive bank card that is, they claim, the world's first credit card made entirely of gold, diamonds and pearls.

The fee to be allowed to use the credit card is $100,000.

While you reach for your pocket book -- because who doesn't have a hundred grand lying around? -- it may surprise you to know that this is actually one of several credit cards that are made of some precious metals. So if you're thinking that a credit card made of precious metals is just what you need, here's a rundown of three of the more prominent ones.

Visa Infinite Exclusive card

How to get it: Apply for it at Sberbank-Kazakhstan, in the country of Kazakhstan, a country that's actually in both Asia and Europe. You do have to be a resident of Kazakhstan and have an account there.

The precious metal element: According to ABC News, $65,000 of your $100,000 goes into minting the card, made of pure gold, 26 diamonds and inlaid mother of pearl (although cardholders will receive a plastic version as well, if they're, oh, I don't know, afraid to use it in public, but then where's the fun in that?), and then the remaining $35,000 remains in the user's account (doesn't that kind of make it a prepaid card?).

Annual fee: After that initial $100,000 the first year, the card has a $2,000 a year fee.

Perks include: Life and health insurance worth over $250,000, lounge access at airports, concierge service, discounts at hotels and restaurants, a free iPhone 5… you get the picture.

American Express Centurion Card

How to get it: Don't call them. They'll call you. Seriously, it's by invitation-only, ever since the Centurion Card was introduced in 1999. Which is why I don't have one quite yet. I'm assuming my invite is lost in the mail.

The precious metal element: The card is made of anodized titanium, a metal that, along with other metals, often winds up in jet engines, missiles, jewelry, mobile phones and even dental implants.

Annual fee: $2,500, but there's also a one-time fee of $5,000

Perks include: Roadside assistance, access to the most of the airlines' clubs (i.e., the American Airlines Admirals Club, the Delta Sky Club, etc), complimentary phone concierge service, $200 in annual airline fee credits and much more.

J.P. Morgan Palladium from Chase

How to get it: Call your JPMorgan Chase banker to apply, or you can call 1-877-626-5995, but hold on before you pick up your phone. According to the business website Bloomberg.com, its typical successful applicants are people who have an extra $25 million that they're willing to let JPMorgan Chase manage. This is the type of credit card that, well, a Michael Bloomberg, Donald Trump or Oprah Winfrey might have. If that's you, well, then give these folks a call.

The precious metal element: Inside this card is 23-karat gold and palladium, a rare, silvery-white metal discovered back in 1803.

Annual fee: considering the other cards, it's a bargain at $595

Perks include: According to Time Magazine, cardholders receive special deals with NetJets, a private jet service, the usual upgrades at luxury hotels and a rewards program, in which you get two points per dollar spent on travel and one point per dollar for other purchases. And, hey, if you spend over $100,000 a year, you'll receive a bonus of 35,000 points. Ah, yes, it's good to be rich. Or so I've heard.

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