Dubai First Royale Mastercard

The Dubai First Royale Mastercard is a premium, invitation-only credit card that has no annual fee and no other restrictions on your spending. A credit card bearing the name of a city home to some of the world's most luxurious hotels would presumably be reserved for the ultra-wealthy.

The Dubai and Saudi royal families are rumored to be among the 200 cardholders who have access to the service, making their cards among the most exclusive in the world. It comes as no surprise that each client is assigned a relationship manager and a lifestyle manager, both of whom are accessible around the clock to do things like buy concert tickets or charter a private plane.

Your odds of being invited are about the same whether you are a multimillionaire or a commoner, as participation is by invitation only and Dubai First must initiate contact.

• Annual Fee: $2,000

Website: https://www.dubaifirst.com