where to get an even more premium card than the Gold Mastercard and the Visa Premier?

While many online banks offer their customers high-end bank cards (Visa Premier or Gold Mastercard), few give access to very high-end cards (Visa Infinite, Platinum or World Elite Mastercard).

Visa Platinum, Visa Infinite, World Elite Mastercard… These very high-end cards are now offered in most traditional banks. On the side of online banks, few are those to market them. However, this type of card gives its holder many advantages: high withdrawal and payment limits, extended insurance and assistance guarantees, personalized privilege offers, reductions with many partners, or even a concierge service.

But these benefits come at a high price in traditional banks. For example, as of March 8, 2023, according to the MoneyVox comparator, the deferred debit Visa Platinum card is billed €204.81 on average per year in traditional establishments displaying it in their catalog. As for the World Elite Mastercard with deferred debit, it costs on average €292.75 per year. The deferred debit Visa Infinite card, for its part, sees its average fee climb to €312.82 per year.

Which online banks offer a very high-end card?

Nowadays, only three online banks offer very high-end cards: Monabanq (Visa Platinum), BforBank (Visa Infinite) and Fortuneo (World Elite Mastercard). If you plan to go upmarket, know that to qualify for an exceptional card, it is very often necessary to justify a comfortable incomeor even put your hand in your pocket.

In detail, the rates vary among online banks. If Fortuneo offers the World Elite Mastercard for free However, the Crédit Mutuel Arkéa subsidiary asks its customers to provide proof of at least 4,000 euros in net income per month on opening, then to make 4,000 euros in monthly payments into their account (otherwise 50 euros in fees are deducted quarterly).

At BforBank, the Visa Infinite card (only deferred debit) is charged 200 euros per year. To afford it, you must have a net monthly income of 4,000 euros, or savings of 40,000 euros in the bank for at least 6 months.

Finally, Monabanq is the only one not to impose income, savings or payment conditions. To take advantage of the Visa Platinum card (immediate or deferred debit), you must pay 108 euros per year. Either an annual fee well below the majority of traditional banks for the same bank card.

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