A luxury credit card is a high-end financial product designed for affluent individuals. These cards often come with exclusive benefits, such as access to luxury travel perks, concierge services, and premium rewards programs. They typically require a high annual fee and may have strict eligibility criteria, including a high credit score and significant income. In addition to standard features like cashback and points, luxury credit cards often offer unique experiences, such as invitations to exclusive events or access to private lounges. Some well-known examples include the American Express Centurion Card and the Chase Sapphire Reserve.