Forget about a gold credit card, if platinum is too ordinary and passe then there is always the titanium credit card. I must admit, I would love a platinum Patek Philippe, A. Lange & Söhne or Rolex. But I can’t say I’m too excited by the prospect of being invited to be a titanium credit card holder. So I guess many would be happy to hold such a card as they love the exclusiveness of the product.

I started to do some research starting with the American Express platinum card and was astonished to find a $1200 AUD annual fee but this was offset by 100,000 membership points if membership is approved by a certain date a $1500 was charged to the card in the first three months. American Express was the first to offer metal credit cards, these were invitation only and offers a high level of prestige fr cardholders.

Looking to Mastercard, an annual fee of $195 is all that is needed providing a concierge ##. The card itself is pretty trick too, instead of the usual plastic we are looking at a composite stainless steel/carbon fibre with Mastercard holding US patents D677,330 and 8,640,948. Westpac has a Black Mastercard offering Altitude or Qantas frequent flyer points, lifestyle and entertainment offers and two lounge vists per year for a fee of $195.

Qantas has a titanium Mastercard with a $1200 annual fee that offers 10% discount on Qantas flights booked, 1.25 points per dollar spent, 20% bonus status credits and two Qantas First Lounge invitations. ANZ has a Black Frequent Flyer card offering Qantas points for purchases, some lounge visits at selected airports, a return domestic flight with a card fee of $425.