Of course, VIPS cards are plastics that are not available to any user and probably not to you. Only the best clientsThose who have a very powerful savings account are in a position to access this special means of payment. This is a first and very important difference of this card with respect to the rest. In any case, they are available in the current offer of banks through a proposal that is only receptive to the most privileged. Not in vain, if these cards are distinguished by something, it is because they offer a series of exclusive services for their holders.
Conclusion plastic that provide a series of privileges so that the distinction is one of the constants in the use of this means of payment. To the extent that the requirements to access this banking product are only within the reach of a few. For this reason it can be said that they are personalized based on the characteristics provided by each of the users. And of course, with expenses in the management and maintenance of the same higher than in the so-called traditional cards.
In any case, you must bear in mind that in the services and benefits offered by these cards, luxury prevails over other characteristics. We are not talking about a normal card in the classical sense of the definition. If not a very well defined banking product that is intended for customers with higher purchasing power. With an income that is not available to any worker. And for this reason they need a differentiated plastics model in all its aspects.
VIPS: with exclusive credit line
If you are a recipient of one of these credit cards, you should know that it includes a truly expansive line of expansion. And that is not the one provided by the cards you may have for your daily life. Because in effect, they incorporate a permanent credit line, and more expansive, which can even reach up to 100.000 euros in the most aggressive offers by financial institutions. On the other hand, these amounts are backed by the income of their holders since before granting them they give you an X-ray of what your current financial situation is. Especially to show if they are going to grant it or not.
Another of its most relevant characteristics consists of the inclusion of a wide range of insurance (assistance in travel and accidents, mainly), with greater coverage and benefits. So that in this way, you are more protected against possible contingencies. With the advantage that you will not have to pay a single euro. Because they are free and marketed exclusively for the best clients of the entity. With a profit above that provided by other less demanding credit cards.
With luxury programs
Tourist services is another of the great contributions of these VIPS cards for the most exclusive clients. Not surprisingly, they generate a wide variety of travel services, such as those related to hotels, travel, packs tourist and even accessories for leisure. One of the direct effects of them is that you can benefit from important discounts on their rates. And even participate in very elite luxury programs anywhere in the world. Just by presenting one of these credit cards. So that you can live as corresponds to your social status. In this sense, it is certainly a very restrictive class of cards.
Therefore, it is a means of payment that is very specialized for travel and everything that has to do with it. business travel. With a very specific destination that you certainly cannot find in another class of more conventional credit cards. On the other hand, and despite being a very exclusive card, you can generate significant savings on all the expenses that you are going to make from now on. Even getting a series of free and highly exclusive services that can satisfy the demand for this kind of profiles in users.
Expenses on the most demanding cards
In any case, do not forget that you will have to assume a higher issuance and maintenance cost compared to the other means of payment. Because it has rates that can reach a annual fee of up to 200 euros approximately. Not in vain, it is the toll that you will have to face to distinguish yourself from the rest of the mortals. To the point that you can amortize this cost in a very few months. It is true that it costs you more money, but it also offers you more services and services. Which is at the end of the day what it is about in contracting these banking products.
Likewise, the interest rates that will apply to you for the use of credit lines are not exorbitant. This means in practice that they are not abusive. If not on the contrary, it moves in a fork that is located between 7% and 12%, depending on the conditions of the contract. Where the provision of being able to withdraw cash from all ATMs is included. Both in those located in the national geography, and abroad. With a very great utility for the trips that you are going to make from now on.
The most elite cards
In order for you to see how these types of cards are actually intended for VIPS customers around the world, nothing better than to detect some of the most relevant models. It will be a very practical way to verify what this means of payment offers you. In case at any time you need their services. Despite what you may believe at first, almost all banks have a plastic of these characteristics. Although maintaining a series of differences that are what make up the identity of the same.
One of the cards that meet this special requirement is the Gold Visa that Unicaja has launched on the market and that also offers you the privilege of superior service. To the point of increasing the limit of the highest expenses and even having better benefits anywhere in the world. On the other hand, you will have the insurance with the best coverage and completely free of charge, as is usual in this kind of special means of payment. It is formed as one of the standard models in the so-called VIPS cards.
With personalized services
Continuing with this commercial line, there is another model of plastics that is preferred by the best bank customers. They are grouped under the name of Global Platinum. They allow you to access an exclusive customer line that offers personalized attention in almost all available services. Although perhaps their tourist discounts are one of the hooks that issuers use to distribute this means of payment among their most exclusive customers. To the point that you will be in better conditions of get discounts between 3% and 8% in hotels, car rentals and restaurants, among some of the most relevant.
On the other hand, you cannot forget that through the so-called VIPS cards it is represented by a wide range of entertainment, high comfort, five-star accommodations, etc. With credit lines above even 10.000 euros, but with a normal interest rate that is practically the same as that of the most conventional means of payment. Travel assistance and accident insurance of up to more than one million euros are also included in the offer. In short, with greater exclusivity and in a way for fewer recipients because their demands are significantly higher than in other kinds of demands.
Comfort and luxury programs
Another of the most relevant aspects of this kind of means of payment is that comfort prevails over other considerations. One of its main proposals is based on offering the holders an important discount plan so that you can enjoy the best tourist services around the world. To the extent that a exclusive loyalty program with the most important hotel chains, companies dedicated to leisure or even to reserve the most luxurious cars in any destination in the world. Only with the presentation of any of these characteristics.
Of course, one of the claims for you to hire one of these cards is based on an exclusive program to stay in the best hotels in the world. With preferential treatment when hiring any service, including room reservations or taking any kind of excursions in the surroundings. It is a sign that this card you currently have is not intended for other mortals. It is not surprising since after all we are talking about the very demanding VIPS cards. Do you want to hire one of them? Of course, it will not be very easy to carry out this procedure.