A USD credit card for non‑residents.

Your limit is set by the assets you already hold with your institution. Nothing is pledged, moved or sold. No local credit file, no residency permit.

Issued in the US. Accepted everywhere.

A US-issued Visa for people whose lives do not sit in one country. Spend in dollars anywhere, without a domestic credit file or a residency permit behind you.

Two problems, one card

Wealth is not the same as access.

Clients with millions on deposit are declined for a card because they hold no local residency and no domestic credit file. And when they do need liquidity, the only answer on offer is to sell.

The access problem

Card eligibility is built around residency and salary history. Neither describes an internationally mobile client with substantial assets. The answer is usually no, regardless of what they hold.

The liquidity problem

A property deposit, a tax bill, school fees. Selling crystallises a gain, triggers tax, and takes you out of the market at a moment you did not choose.

Your wealth, within reach.

Credit lines up to $100,000, based on assets you own.

How it works

Four steps. No branch, no paperwork.

Introduction

Your adviser, wealth manager or family office refers you. Eligibility is confirmed before you complete anything.

Your limit

Set by reference to the assets you hold with your institution, confirmed at introduction. Nothing is pledged, blocked or transferred.

Card

A virtual card is issued to your wallet the same day. The physical card follows by courier.

Settlement

The balance settles in full each month by standing instruction. No revolving interest, no minimum payment.

The card

Built for people who live across borders.

XPlace Visa Platinum card

USD, everywhere Visa is accepted

No separate foreign transaction fee. Non-USD purchases convert at the Visa rate for this programme, which carries a 1% margin. No travel notices to file before you go.

No local credit file required

Your limit reflects the assets you hold, not a domestic scoring system you were never in.

Nothing is pledged or blocked

Your assets stay with your institution, fully accessible, invested and earning. We take no security over them.

Additional cards

Issued to family or staff, each with a limit you set and can change.

A concierge on WhatsApp

A person who answers, around the clock, in your language. Bookings, changes, disputes — one message.

Recognised as a credit card

Issued on a credit BIN, so it works where debit is refused — car hire, hotel holds, deposits.

Concierge · WhatsApp · 24/7

Everything through WhatsApp.

On WhatsApp, around the clock, in your language. You send a message and a person handles it — no app to open, no queue, no hold music.

Extending a stay, two hours before checkout

Concierge · WhatsApp
Need to extend the Ned by two nights.
Done — through Thursday, same rate. Confirmation sent to your email.

A table on Thursday, somewhere quiet

Concierge · WhatsApp
Four people, Thursday, quiet, Mayfair.
Held 8:30 at two places. Which would you prefer?

Seats in December, arranged in August

Concierge · WhatsApp
Two seats for the Grand Prix in December?
Checking now. I will come back within the hour.

A charge you did not recognise

Concierge · WhatsApp
There is a charge from 3 August I do not recognise.
Disputed and provisionally credited. I will follow it through.

Repayment

A charge card, not a debt.

The card is issued on a credit BIN, so it is recognised as a credit card wherever you use it — hotels, car hire, deposits. It settles in full each month, so nothing is carried and no interest arises.

You spend

Each purchase draws on your line. Your assets stay with your institution, untouched and fully accessible.

Statement

Your statement is issued on the first of each month, showing the balance and the date it will be collected.

Settlement

The full balance is collected on the fifth of the month from your nominated account, or the next working day if the fifth falls on a weekend or holiday. No minimum payment, no revolving interest, nothing to remember. If a balance is not collected on the due date, 2.99% per month accrues on the overdue amount, calculated daily until it is paid, subject to a minimum charge of $50.

If a balance is not settled

We contact you first. Late payment charges apply as set out in your agreement, and your limit may be suspended. Because no assets are pledged, there is nothing for us to enforce against — the balance is a debt owed in the ordinary way, and we resolve it with you directly.

What comes with it

Included, without having to ask.

No tiers to unlock, no points to chase. It is all there from the first day.

XPlace Visa Platinum card

Physical card

Visa Platinum, issued in the US and delivered by courier. A virtual card works from the day you are approved.

Airport lounges

Unlimited access to more than 1,400 lounges worldwide, for you and a guest.

Fast-track passes

Security and immigration, skipped, at participating airports.

Concierge on WhatsApp

Around the clock, in your language. A person, not a menu.

No foreign transaction fee

Nothing is added to your statement for spending abroad. Non-USD purchases convert at the Visa rate for this programme, which carries a 1% margin.

ATM withdrawals

Up to $750 a day at any ATM accepting Visa, worldwide.

Additional cards

For family or staff, each with a limit you set and can change.

Limit reviews on request

Pledge more and your line moves with it, usually the same day.

Terms

Priced plainly.

Annual fee$250
Foreign transaction feeNone
Currency conversionVisa rate for this programme, including a 1% margin
Statement dateFirst of each month
Settlement dateFifth of each month, in full
Interest on settled balancesNone
Assets pledged or blockedNone
Late payment2.99% per month on the overdue balance, accruing daily until paid. Minimum $50.
Introduced clientsFirst year waived

Questions

The things clients ask first.

Do my assets move, or get pledged?

Neither. Your assets stay exactly where they are, fully accessible to you, and we take no security over them. They are used only as a reference point to size your limit, confirmed with your institution at introduction.

I am not a resident. Does that matter?

Not for eligibility. The limit is set by reference to the assets you hold rather than residency or a domestic credit file. Identity and source-of-funds checks still apply, as they would anywhere.

What if my holdings fall in value?

Your limit is reviewed periodically and may be adjusted, as it would be with any credit facility. Because nothing is pledged there is no margin call and no enforcement against your assets — you simply settle the balance in the normal way.

Is it a credit card or a charge card?

It runs on a credit BIN, so merchants treat it as a credit card — car hire, hotel holds and deposits all work, where a debit card is often refused. Mechanically it is a charge card: the balance settles in full each month rather than revolving, so there is no interest to carry.

Who can introduce me?

A wealth manager, family office, broker or tax adviser we work with. If yours is not yet a partner, tell us who they are and we will approach them.

Available by introduction.

Tell us who advises you and we will take it from there.