Luxury Card review
Updated September 29, 2026 · DebitCue Editorial Team · Facts checked September 28, 2026
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Our verdict
Luxury Card suits frequent travellers who want lounge access and concierge help alongside points on airfare and hotel stays. Annual fee runs $299, while currency conversion fee runs 0%, so costs stay clear for spend abroad with help on hand around the clock for trips near and far.
Key facts
- Best for
- Frequent travellers seeking lounge access and hotel rewards
- Annual fee
- $299 (Source, checked September 28, 2026)
- APR
- 19.49% to 27.49% (Source, checked September 28, 2026)
- Currency conversion fee
- 0% (Source, checked September 28, 2026)
- Rewards type
- Points (Source, checked September 28, 2026)
- Rewards rate
- 2X points on airfare and hotels (Source, checked September 28, 2026)
- Balance transfer intro period
- 15 months (Source, checked September 28, 2026)
- Balance transfer fee
- 5% (Source, checked September 28, 2026)
- Perks
- Airport lounge, Travel benefits, Concierge (Source, checked September 28, 2026)
- Card kind
- Credit (Source, checked September 28, 2026)
- Legal entity
- Barclays Bank Delaware (Source, checked September 28, 2026)
- Support channels
- Email, Chat, Phone (Source, checked September 28, 2026)
- Features
- Rewards
- Official website
- luxurycard.com
Pros and cons
Pros
- Earns 2X points on airfare and hotels, paid as points
- Currency conversion fee runs 0% for spend abroad
- Travel extras include airport lounge, travel benefits and concierge for frequent trips
- Support across email, chat and phone by phone, chat and email
Cons
- Annual fee runs $299, adding a fixed yearly cost
- Purchase rate runs 19.49% to 27.49%, so carried balances accrue interest
- Balance transfer fee runs 5% even with intro terms of 15
Ready to try Luxury Card?
Scored 8.9 / 10 by DebitCue.
Who it suits
- Travellers who value lounge access and concierge help with hotel rewards
- Spenders abroad who want currency conversion fee of 0%
- Points collectors focused on airfare and hotel earning at 2X points on airfare and hotels
Who should look elsewhere
- Readers avoiding a yearly charge may prefer Oney Préstamos given annual fee of €0
- Readers seeking basic business spending may prefer Qonto given annual fee of €0
Fees and currency costs
Annual fee runs $299, which sets the fixed cost of holding the card. Purchase rate runs 19.49% to 27.49% as a variable range, so carried balances add interest. Currency conversion fee runs 0% for spend abroad. Balance transfer fee runs 5% on amounts moved.
Who runs it
The card is issued by Barclays Bank Delaware, which provides the credit account and billing. Day to day help is available across email, chat and phone, covering email, chat and phone. That mix allows written queries plus direct voice contact for urgent card or account matters.
How Luxury Card compares
8.9 vs 9.0
8.9 vs 8.9
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8.9 vs 9.0
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8.9 vs 8.8
8.9 vs 8.7Qonto charges annual fee of €0, which may appeal for lighter everyday card use.
8.9 vs 9.2
8.9 vs 9.0
8.9 vs 9.5
8.9 vs 9.4
8.9 vs 9.4
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8.9 vs 8.8
8.9 vs 8.8- 8.9 vs 8.8
- 8.9 vs 8.8
- 8.9 vs 8.8
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8.9 vs 8.3
8.9 vs 8.2
8.9 vs 8.0
8.9 vs 8.0
Frequently asked questions
What does Luxury Card cost each year?+
Annual fee runs $299 for the card. Currency conversion fee runs 0%, which helps keep spend abroad predictable. Always weigh the fixed yearly charge against expected travel and rewards use.
What interest applies to purchases?+
Purchase rate runs 19.49% to 27.49% as a variable range based on credit profile. Balances left unpaid accrue interest at that rate. Paying in full each cycle avoids those charges and keeps rewards value intact.
How do balance transfers work?+
Balance transfers carry an intro period of 15 alongside a transfer fee of 5%. The fee applies to amounts moved during that window. Check whether the saving outweighs the transfer charge before moving balances.
How are rewards earned?+
Rewards are earned as points, with earning described as 2X points on airfare and hotels. Points can support future airfare and hotel redemptions under programme terms. Focus travel booking through eligible channels to maximise accrual.
Is the card suited to spending abroad?+
Currency conversion fee runs 0%, so purchases abroad do not attract added conversion markup from the issuer. Card network and merchant conversion choices may still affect the final amount. Paying in local currency often gives clearer pricing.
Who issues the card and how is support reached?+
The card is issued by Barclays Bank Delaware, which acts as the account provider. Support is available across email, chat and phone, giving choice between written and voice help. Keep account details current to allow smooth servicing.
What travel extras are included?+
Travel extras are listed as airport lounge, travel benefits and concierge, covering lounge access, wider travel benefits and concierge help. Availability and access rules follow programme terms and may vary by lounge or partner. Confirm eligibility before planning trips around those extras.
Sources
- luxurycard.com/feature/rewards checked September 28, 2026
Backs: Rewards type
“Mastercard Titanium Card - 2X Points Earn on Eligible Hotel and Airfare”
- luxurycard.com/titaniumcard checked September 28, 2026
Backs: Annual fee, APR, Balance transfer fee, Balance transfer intro period, Card kind, Features, Currency conversion fee, Legal entity, Perks, Rewards rate, Support channels
“Mastercard Titanium Card - $299 Annual Fee”
Compiled from 2 source pages, checked September 28, 2026. We did not open an account.