Luxury credit cards are premium financial products designed for high-net-worth individuals. They often come with exclusive benefits such as access to luxury travel perks, concierge services, and rewards programs that offer points for high-end purchases. These cards typically have high annual fees and may require a significant income or assets to qualify. Many luxury credit cards, like the American Express Centurion Card or the Chase Sapphire Reserve, provide cardholders with unique experiences, including VIP access to events and personalized customer service. They also often include travel insurance, purchase protection, and other features that enhance the overall spending experience for affluent users.