Everything you need to know about the black bank card

Offering VIP benefits such as assistance abroad, concierge service, etc., the black card is a luxury item very popular with bank users. In this post, we invite you to discover everything you need to know about this card.

The advantages of the black card

There black card has many advantages. Indeed, it allows you to benefit from a high withdrawal limit, better insurance and guarantees, and special offers.

Withdrawal and payment limits

THE black bank cards allow you to benefit from particularly high payment and withdrawal limits. With traditional banks, this amount can reach €50,000/month. However, it is possible to negotiate it with the bank. At the level of online banks such as BforBank Or Fortuneo, the minimum amount is €3000 per month. However, changes may occur after a few months of use, if there have been no incidents. Due to the absence of risk of exceeding, the black bank cards Mobile banks offer almost unlimited limits. Lydia And Revolut for example, offer €100,000 per month for their users.

Insurance

There black card allows you to benefit from the best possible insurance. By adopting it, you will be covered in the event of:

flight cancellation,
medical assistance,
ski accident
and many other incidents occurring abroad.

Special offers relating to the black card

The black card entitles you to special offers such as:

A concierge service available every day;
Participation in VIP sporting events;
Invitations to the opera, the theater, etc.

Conditions for obtaining the black card

Prestigious, the black bank card is not accessible to everyone. Indeed, before issuing it, traditional banks set complex conditions. The user must in particular:

Provide a file : due to the high withdrawal and payment limits that they offer, the decision to grant it only comes after a careful study of the client's file;
Earn a minimum income : the amount may vary from one bank to another. However, it is generally 100,000 euros per year;
Have a minimum amount of assets : apart from the salary, the bank may require a minimum amount to issue you with the black card.

THE online banks however, relaxed these conditions. Indeed, even if your monthly income is low, you can obtain it from these structures without studying your file, without a minimum amount of assets (unless it is a black card with deferred debit).

The cost of a black card

In a traditional bank, black cards cost between €300 and €600 annual subscription. To benefit from a lower cost, you must turn to online banks. For example, holders of BforBank VISA Infinite card in deferred debit pay €200 each year.

The most accessible black cards on the market

The black card of Boursoma is free, and without income condition in immediate debit. Regarding deferred debit, however, it is subject to a monthly income of €1,500. When the black bank card is used at least once a month, it is free. Otherwise, fees are required. By adopting it, you will have access to all mobile payment solutions. In addition, it will allow you to benefit from free payment and withdrawal anywhere in the world, assistance and insurance worthy of a top-tier card. There MasterCard World Elite from Fortuneo is also a less expensive option. In fact, this bank delivers the black bank card free of charge, but under conditions. However, these are not too complex. The minimum amount of monthly income required, for example, is €4,000 per month. If you obtain it, you will benefit from numerous advantages such as free payments and withdrawals in all countries, reinforced assistance and guarantees abroad, a concierge service available every day, 24 hours a day. There black Lydia card is accessible without income conditions. Although it is not a real black card, it offers many services such as a payment limit of €100,000 per month, free transactions abroad, a concierge service available every day from 9 to 9 p.m.