
If you're looking for a credit card that offers top-notch concierge services, consider the American Express Platinum Card, which provides 24/7 access to a dedicated concierge team.
The concierge team can help with everything from booking flights and hotels to making restaurant reservations and arranging for personal shopping assistants.
The Chase Sapphire Reserve Card also offers a dedicated concierge service, available 24/7, which can assist with tasks such as booking travel and making restaurant reservations.
What Are Credit Cards with Concierge?
Credit cards with concierge services offer a level of luxury and convenience that's hard to match. These cards provide 24/7 access to a dedicated concierge team that can help with everything from booking flights and hotels to making restaurant reservations.
Some credit cards with concierge services offer travel assistance, such as helping to plan and book trips. For example, the Citi Prestige Card has a concierge service that can help with flight and hotel bookings, as well as provide recommendations for travel destinations.
Concierge services can also help with everyday tasks, like finding a good doctor or getting tickets to sold-out events. The American Express Centurion Card, for instance, offers a concierge service that can help with tasks like finding a personal trainer or getting tickets to a concert.
Having a credit card with a concierge service can be a game-changer for busy professionals who don't have the time to research and book travel arrangements or make restaurant reservations. It's like having a personal assistant at your fingertips.
Choosing the Right Card
If you're considering a credit card for its concierge services, think about what matters most to you. Excellent concierge services can make a big difference in your travel and lifestyle experiences.
Being aware of the concierge services offered by a card can affect your decision when choosing between two or three equally attractive options. The Axis Bank Olympus Credit Card, for example, offers 8 concierge services for travel and entertainment, deliveries, etc., throughout the year.
The AmEx Platinum Reserve Credit Card provides round-the-clock support to upgrade your travel and lifestyle experiences. This level of personalized assistance can be a game-changer.
Choosing Services
You don't choose a card just for concierge services, but it's a factor to consider if it's a deciding feature between two cards.
No one chooses a credit card just for concierge services; it’s often merely an afterthought.
Being aware of this benefit would probably affect your decision if you're choosing between cards with and without concierge access.
Concierge services can be a game-changer, especially if you need help with travel arrangements or last-minute reservations.
Cost Control
As you shop around for a new card, it's essential to consider the cost of ownership. Many premium cards for travel come with annual fees, some of which can be quite steep.
To determine if the annual fee is worth it, you'll need to crunch some numbers. This means weighing the benefits and perks against the added cost.
Be sure to check if the card's annual fee fits into your budget. If it doesn't, it might be time to look elsewhere.
Yes Private/Prime
The Yes Private/Prime Credit Card is a super-premium invite-only card designed for very wealthy individuals. It can only be obtained with an invitation and comes with a hefty joining fee.
The joining fee for the Yes Private Credit Card is ₹50,000 plus taxes, while the Yes Private Prime Credit Card has a joining fee of ₹20,000 plus taxes. These fees can be waived with a spend-based waiver of ₹25 lakhs every year for the Yes Private Credit Card and ₹20 lakhs for the Yes Private Prime Credit Card.
Both cards offer 24/7 concierge services to their customers throughout the year. They also provide a 0.50% Forex markup charge on international transactions.
You can earn up to 2% cashback on domestic and 3% cashback on international spending with these cards. Additionally, you'll get 20 reward points for domestic transactions and 40 reward points for international transactions when you spend ₹200.
These cards come with a long list of benefits, including unlimited domestic and international airport lounge access, 12 rounds of golf lessons, BOGO offers on movie tickets, a fuel surcharge waiver, and insurance coverage.
Here's a quick comparison of the benefits offered by the Yes Private and Yes Private Prime Credit Cards:
The Yes Private/Prime Credit Card is a great option for those who value exclusivity and high-end benefits.
Benefits and Features
Credit card concierges provide a wide range of services, acting as everything from an assistant to your travel agent.
You can contact the concierge service by phone, and some cards also allow you to reach out via email. For example, Sapphire Reserve cardmembers can call the phone number for Visa Infinite Concierge Service, while Sapphire Preferred cardholders need to call the concierge service number for Visa Signature.
Concierges can help with restaurant reservations, buying event tickets, or booking travel, but the range of requests that can be handled varies by card. Premium cards often have more exclusive benefits, including better access to restaurants through their network of contacts.
You can use your credit card's concierge service to make requests, and it might wind up saving you time or enhancing your trip. For instance, the Chase Sapphire Reserve and the U.S. Bank Altitude Reserve Visa Infinite Card come with Visa Infinite branding, unlocking access to the Visa Infinite Concierge.
Many World Elite Mastercards also come with concierge service, including some with no annual fee, like the Chase Freedom Flex.
Top Credit Cards with Concierge
If you're looking for top-notch concierge services with your credit card, you've come to the right place. The HDFC Bank Diners Club Black Metal Credit Card offers unlimited lounge access, golfing privileges, and generous purchase reward points, all for an annual fee of ₹10,000, which can be waived on spending ₹8 lakhs in the previous year.
Some credit cards stand out for their exceptional concierge services, including the Axis Bank Olympus Credit Card, which offers 8 concierge services for travel and entertainment throughout the year. The AmEx Platinum Reserve Credit Card also offers top-notch concierge services, providing assistance with travel and dining reservations, event planning, and more.
Here are some credit cards with concierge services that are worth considering:
- HDFC Bank Diners Club Black Metal Credit Card
- Axsis Bank Olympus Credit Card
- AmEx Platinum Reserve Credit Card
- CIBC Aeroplan Visa Infinite Card
- TD First Class Travel Visa Infinite Card
These cards offer a range of benefits, from travel and dining reservations to event planning and more. The Visa Infinite Concierge, for example, has received high praise from users for its assistance with finding better deals on high-end products and pulling through on requests.
American Express Platinum
The American Express Platinum card is a premium credit card that offers a range of benefits, including a concierge service. The concierge service is available 24/7 and can assist with a variety of tasks, such as booking flights and hotels, making restaurant reservations, and even sending gifts.
To access the concierge service, you'll need to call the number on the back of your card and select the concierge option. Unfortunately, the concierge service has received mixed reviews, with some users reporting that it's not as helpful as other services.
One of the downsides of the Amex Platinum concierge is that it's only available by phone, and wait times can be lengthy. In fact, one user reported waiting nearly four hours for a call back from the concierge team.
Here are some of the benefits of the American Express Platinum card that come with a concierge service:
- Unlimited domestic and international airport lounge access
- 24/7 concierge services
- Golf lessons and insurance benefits
- Complimentary access to exclusive events and experiences
Keep in mind that the concierge service is not available with all American Express cards, and only certain cards, such as the Amex Platinum Reserve Credit Card, offer this benefit.
The Amex Platinum Reserve Credit Card offers a range of premium benefits, including a concierge service, airport lounge access, and travel insurance. The card also offers a welcome benefit of 11,000 bonus membership reward points upon spending ₹30,000 within 90 days of card issuance.
If you're considering the American Express Platinum card, it's worth noting that the concierge service is just one of the many benefits that come with this premium card. However, if you're looking for a card with a particularly strong concierge service, you may want to consider other options, such as the Visa Infinite Privilege card.
US-Issued Elite Mastercard
If you hold a US-issued World Elite Mastercard, you're in luck because you can access the service on the World Elite Concierge website.
You can use the concierge service to book flights and hotels, get around when you travel, reserve hotels, and make special requests.
Some Canadian World Elite Mastercard holders may not have access to the World Elite Concierge service, but there are banks that offer separate concierge services to their World Elite members.
The HDFC INFINIA Metal Credit Card also offers special concierge services, which can be a great alternative for those without access to the World Elite Concierge service.
Using and Applying for Cards
Using a credit card with concierge services can be a game-changer for travelers. These cards often come with exclusive benefits like airport lounge access and personalized travel assistance.
Some credit cards with concierge services offer a dedicated phone number or app for booking travel arrangements, such as flights and hotels.
For example, the American Express Platinum Card has a 24/7 concierge service that can assist with booking travel and making dining reservations.
To apply for a credit card with concierge services, you'll typically need to meet the issuer's credit requirements and have a good credit score.
IndusInd Bank Legacy
The IndusInd Bank Legacy card is a premium offering that comes with a hefty price tag of ₹45,000 plus taxes for the joining fee, but don't worry, there's no renewal fee or spend-based waiver.
This card is designed for those who want luxury and convenience, and it delivers with benefits like complimentary airport lounge access, both domestically and internationally, as well as concierge services.
Cardholders can earn 2 reward points for every ₹100 spent on weekends and 1 reward point for every ₹100 spent on weekdays, which can add up quickly.
The card also comes with a welcome benefit of an e-gift voucher from the Oberoi Hotel and a Luxue gift card worth ₹5,000, which is a great way to get started with your new card.
If you're planning to travel internationally, you'll appreciate the low Forex markup fee of 1.8% on international transactions, which can save you money on your transactions.
Here are some of the key features of the IndusInd Bank Legacy card:
- Joining fee: ₹45,000 plus taxes
- 2 reward points for every ₹100 spent on weekends
- 1 reward point for every ₹100 spent on weekdays
- Welcome benefit: e-gift voucher from the Oberoi Hotel and Luxue gift card worth ₹5,000
- Low Forex markup fee: 1.8% on international transactions
How to Use
Using your credit card's concierge service is a great way to get help with travel, shopping, and other tasks. You can contact the concierge 24/7 for assistance.
To contact American Express Concierge, call the phone number printed on the back of your eligible American Express card, or use the chat feature after logging in to your Amex account. Once logged in, select "Travel" and then "Manage My Trips."
Visa offers two concierge services: Visa Infinite and Visa Signature. Both can assist you with a variety of requests, including making restaurant reservations and booking travel arrangements.
To contact Visa Infinite Concierge, call 888-315-6982, and for Visa Signature Concierge, call 1-800-953-7392. You can also visit the Visa Digital Concierge website for more information.
Citi Concierge assists with requests related to travel, shopping, dining, entertainment, and everyday needs. To contact Citi Concierge, call 1-800-508-8930 or send an email to [email protected].
Even no-annual-fee cards get access to Mastercard Concierge, which offers services like dining experiences, limo service, and golf appointments. To contact Mastercard Concierge, call the phone number listed in your Capital One card's Guide to Benefits.
Here's a list of concierge services and their contact numbers:
- American Express Concierge: call the phone number printed on the back of your eligible American Express card
- Visa Infinite Concierge: 888-315-6982
- Visa Signature Concierge: 1-800-953-7392
- Citi Concierge: 1-800-508-8930
- Mastercard Concierge: call the phone number listed in your Capital One card's Guide to Benefits
How to Apply?
To apply for a concierge credit card, start by visiting the review page on Card Insider for the specific card you're interested in.
Compare the credit cards offering concierge services and click on Apply Now to be redirected to the bank's official application page.
Make sure you meet the eligibility criteria, such as age, income, and credit score requirements, before proceeding with the application.
You can either fill out the form online or visit the nearest branch of the bank to fill out the application offline.
Be prepared with all the necessary documents, including ID proof, address proof, income proof, and a PAN card.
Upload scanned copies of the required documents or submit them physically along with the application form.
Here are the documents you'll need to submit:
- ID proof
- Address proof
- Income proof
- PAN card
The bank will verify your application and review your documents before approving or rejecting your application.
Upon approval, you'll receive your concierge credit card along with the terms and conditions.
Once you've activated your card, you can start exploring and using the concierge services provided, which include travel bookings, event reservations, and more.
Best Ways to Use Services
Using your credit card's concierge service can be a game-changer for travelers and anyone looking for personalized assistance.
You can contact Amex Concierge 24/7 at the phone number printed on the back of your eligible American Express card, or via chat after logging in to your Amex account.
The best ways to use concierge services save you time or give you access to something you can't access on your own. This can be especially helpful when planning an upcoming trip, as concierges can assist with tasks like contacting hotels, restaurants, and event venues.
Concierge services can also help with emergency assistance, such as lost passports, medical referrals, and other such requests. This can be a lifesaver when you're traveling abroad.
If you're looking for exclusive experiences, concierges may have pre-existing relationships built with certain restaurants, hotels, airlines, or event venues. This can be true for securing hard-to-find tickets to sporting events or performances, or reservations at some high-end restaurants.
Some concierges may be able to provide more personalized assistance than others. For example, the AmEx Platinum Reserve Credit Card offers top-notch concierge services, providing assistance with travel and dining reservations, event planning, and more.
Here are some examples of how you can use concierge services to save time and access exclusive experiences:
- Contacting a concierge to get information for an upcoming trip can be very useful, especially if you're not familiar with the destination.
- Leaving all communication with a hotel or restaurant up to the concierge can be a great way to save time and effort.
- Using a concierge to help with personal shopping, gift sourcing and delivery, or other tasks can be a great way to save time and get personalized assistance.
The key is to think about what information you might need that's easy for you to find on your own, versus what you can request from a concierge to save you time. By using concierge services strategically, you can get the most out of your credit card benefits and enjoy a more personalized and hassle-free experience.
Reviews and Comparisons
If you're looking for a credit card with concierge services, you've got several options. The Platinum Card from American Express is a top choice for luxury travel, with an annual fee of $695 and a Bankrate Review Score of 4.8/5.
For those who want lifestyle perks without breaking the bank, the Capital One Venture X Rewards Credit Card is a great option, with a $395 annual fee and a Bankrate Review Score of 5/5. This card offers 10X miles on hotel and rental cars booked through Capital One Travel.
If you're looking for a card with a low annual fee, the Capital One Savor Cash Rewards Credit Card is a great choice, with a $0 annual fee and a Bankrate Review Score of 5/5. This card offers 8 percent cash back on Capital One Entertainment purchases, among other benefits.
Comparing the Best
If you're in the market for a credit card with top-notch concierge services, there are several options to consider. The Axis Bank Olympus Credit Card offers 8 concierge services for travel and entertainment throughout the year.

The AmEx Platinum Reserve Credit Card provides round-the-clock support for travel and lifestyle experiences, making it a great choice for those who value personalized assistance.
The Platinum Card from American Express offers American Express Concierge, which can be a game-changer for those who want to upgrade their travel and lifestyle experiences.
Here's a comparison of some of the best credit cards for concierge services:
The Ultimate Test
We designed a unique test to evaluate the concierge services of three major credit cards: Amex, Visa Infinite, and World Elite Mastercard.
Our test involved planning the ultimate one-night experience in New York City with a budget of $300 per person. The deliverables were quite specific: one ticket to a sold-out Dua Lipa concert at Madison Square Garden, one last-minute dinner reservation to Cote, a Michelin star-rated Korean restaurant, and one fanny pack accessory for the concert.
The requests were not easy to fulfill, especially considering the Dua Lipa concert was already sold out to the public and Cote reservations aren't easy to come by.
Here's a breakdown of the requests and the challenges our concierges faced:
- One ticket to a sold-out Dua Lipa concert at Madison Square Garden.
- One last-minute dinner reservation to Cote, a Michelin star-rated Korean restaurant.
- One fanny pack accessory for the concert.
Bottom Line

We tested the credit card concierges in New York City and found that the Visa Infinite concierge was the most useful, securing dinner reservations and concert tickets at the lowest price.
In contrast, the Mastercard and Amex concierges failed to get us a table at Cote, forcing us to dine at a casual ramen joint instead.
The Visa Infinite concierge saved us time, which is arguably the most valuable benefit of using a concierge service.
We enjoyed our evening, despite not dining at Cote, and had a blast listening to Dua Lipa from our seats up in the rafters.
Frequently Asked Questions
Is Amex concierge better than Chase concierge?
Amex concierge may offer more personalized and 24/7 assistance, but the level of attention varies. Consider your needs and desired level of service when choosing between Amex and Chase
Is Citi concierge worth it?
Citi Concierge offers personalized assistance for everyday tasks and complex needs, providing value based on your usage. Its worth depends on how often you utilize its services to simplify your life.
Sources
- https://www.bankrate.com/credit-cards/travel/best-credit-cards-with-concierge-services/
- https://www.chase.com/personal/credit-cards/education/rewards-benefits/how-to-use-credit-card-concierge-service
- https://princeoftravel.com/guides/which-credit-cards-have-concierge-services/
- https://cardinsider.com/best-credit-cards-concierge/
- https://thepointsguy.com/news/card-concierge-test-nyc/
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