The sky is literally the limit with Hang Seng’s by invitation only Visa Infinite card. The lucky shopper who flashes this card doesn’t have to worry about pre-set spending limits. This card also serves as an all-access ticket to several members-only private clubs in the city. 

This by invitation only card provides an extra-high credit limit and doesn’t charge cardholders an annual fee. Users can earn up to 4x reward points when using the card for select investment and insurance services. Cardholders can also earn up to 1.2 million bonus points quarterly with this card.

Bank of China’s (BOC) by invitation only Visa Infinite credit card provides a concierge service that assist cardholders with planning trips and restaurant reservations. BOC’s jet-setter customers earn triple reward points when they use their card overseas, and at restaurants here in Hong Kong. By simply presenting BOC Visa Infinite Card, cardholder can enjoy a host of facilities available at specific Plaza Premium Lounges.

The Standard Chartered Priority Banking credit card features a unique rewards programme for cardholders. Priority Banking 360° Rewards allows them to earn points not only on card spends, but also with all account balance to earn up to 50,000 points every month. Principal cardholders are granted complimentary access to over 600 airport lounges with the their Priority Pass. Annual fee is waived perpetually, while the annual salary requirement is around HKD 500,000, as reported by current card owners.

Cardholders pay HKD 7,800 annual fee for the American Express Peninsula Platinum Card. That sure is a lot of cash, but if you consider the special discounts that await, as well as privileges at The Peninsula Hotels worldwide, then you might say it’s money well spent. As you might have guessed, the credit card is also only offered to preferred clients, by invitation from the bank. Cardholders enjoy the Complimentary Priority Pass for unlimited free access to over 600 VIP airport lounges worldwide.

This by invitation only card carries a hefty annual fee of HKD 7,800. The card automatically enrols cardholders in the AMEX Membership Rewards Turbo Program, where they can earn 2 points for every HKD 1 spent. Cardholders also get to enjoy the privilege of instant recognition at the most luxurious hotels and resorts worldwide. Priority Pass is also given to card owners for unlimited free access to over 600 VIP airport lounges worldwide.

The Citibank Prestige Card has one of the highest minimum annual income requirements among all credit cards offered in Hong Kong. To qualify for one, you need to earn a minimum annual income of HKD 600,000 or more. Cardholders can enjoy complimentary nights at over 700 luxury hotels in some of the most fabulous cities in the world, as well as complimentary green fees at over 2,400 golf courses around the world. Cardholders enjoyed unlimited complimentary global airport lounge access via Priority Pass.

The HSBC Premier card is definitely reserved only for Hong Kong’s millionaires as you’ll need to be earning an annual income of HKD 1.5 million to even be considered for one. Even if you do make that much in a year, you’d have to be invited to own the card. The HSBC Premier Card gives bonus rewards from the MasterCard Traveler Rewards program and advanced booking to luxury cruise and vacation packages. Premier Relationship Manager is always ready to assist cardholders when they travel around the world.

There are only about 1,000 people in the city given the privilege to flash this by-invitation-only credit card. It charges an annual fee of HKD 23,800 with mysterious annual salary requirement. Stopped sending out invitation since this year start, its highlighted features include a dedicated Lifestyle Relationship Manager handling your lifestyle needs, great rates for yacht charter services and airport transfer limousine services. The privileged cardholder also gets 120,000 complimentary Asia Miles every year.

This is the near mythical black credit card that only a rare few are given the privilege to own. There’s an air of mystery as to the specific benefits of the card as AMEX doesn’t really make this information known to the public—but of course, that only adds to its appeal. The card, as you might have guessed, is by invitation only, with an annual fee of HKD 38,800. There’s also an initiation fee of HKD 5,000. The Centurion card gives access to some of the most exclusive private clubs in HK and other parts of the world. It has no pre-set limit, in theory. The largest purchase ever made on this card was reportedly worth USD 36 million for a rare, antique porcelain chicken cup.

Alister Musgrave, MoneyHero Founder

This article is made exclusive to Hong Kong Business by MoneyHero, Hong Kong’s most trusted financial comparison site. MoneyHero Hong Kong allows users to compare credit cards, personal loans, and medical insurance plans in an instant, enabling more people to make sound financial decisions.