Black credit cards
Black credit cards are extremely prestigious. They have high credit limits and a range of benefits as standard, such as a higher earn rate on rewards and 24/7 concierge services.
By Yvonne Taylor | Verified by David Boyd | Updated 31 May 2023
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Comparing black credit cards
BMO eclipse Visa Infinite Privilege Card
Balance transfer
N/A
Purchase rate
20.99% p.a. ongoing
Annual fee
$499.00 p.a. ongoing
Highlights
- Get up to 90,000 BMO Rewards bonus points. 50,000 BMO Rewards welcome bonus points will be applied to your account after you spend a minimum of $6,000 within the first 3 months. The other 40,000 BMO Rewards welcome bonus points will be credited on your first anniversary after you spend a minimum of $100,000.
- Earn 5x the points for every $1 spent on groceries, dining in and out, drugstore purchases, gas, and travel, 1 point for every $1 spent on everything else
- Complimentary Priority Pass membership, plus six annual lounge visits.
Pros
Cons
HSBC World Elite Mastercard
Balance transfer
N/A
Purchase rate
19.9% p.a. ongoing
Annual fee
$0.00 for 1st year
Highlights
- Earn up to 80,000 Points PLUS a full annual fee rebate for the Primary Cardholder for the first year. Must apply by May 31, 2023. Conditions Apply.
- No foreign transaction fees.
- Earn 3% in travel rewards on all eligible travel purchases (6 points per $1) and 1.5% in travel rewards on all other eligible purchases (3 points per $1).
Pros
Cons
Scotia Momentum Visa Infinite Card
Balance transfer
6 months at 2.99% p.a.
Purchase rate
20.99% p.a. ongoing
Annual fee
$0.00 for 1st year
Highlights
- Earn 10% cashback on all purchases for the first 3 months (up to $2,000 in total purchases).
- No annual fee for the first year, including supplementary cards ($120 and $50 p.a. respectively thereafter).
- Earn cashback on groceries, recurring payments, gas, and everything else.
