Luxury cards are high-end credit cards that offer exclusive benefits and rewards to their users. These cards often come with a high annual fee but provide perks such as travel rewards, concierge services, and access to exclusive events. They are designed for affluent individuals who frequently travel or spend significantly. Many luxury cards, like the American Express Centurion Card or the Chase Sapphire Reserve, require a strong credit score and a substantial income for approval. Users can enjoy features like complimentary airport lounge access, premium insurance coverage, and personalized customer service, making them appealing to those who value luxury and convenience.