5 Cool Cards – Some We May Never Be Able to Get

Credit cards have been endlessly interesting to me ever since I was a young adult. Not only do they come with sign-up rewards and ongoing perks, they also obviate the need to carry around cash especially for larger purchases. On top of that, the physical cards themselves can sometimes be really cool, especially in the design and materials they use.

Here’s a look at what I think are 5 very cool cards…  some of which may be more difficult to obtain than others.

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5 cool cards (some we may not be able to get 🥲)

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Razer Card – game over but it’s still lit

If you aren’t aware, Razer (yes, the gaming company), once released a Razer payment app complete with a card that you can use to make payments with. Razer’s fintech ambitions have been dead for almost 3 years now, but those who managed to lay hands on the premium version of the Razer Card would still find their card very lit if they ever put it against a contactless payment terminal.

Just as it is impossible to get the card now, it also can’t be used to make payments anymore. Thankfully, putting the card against things like contactless door scanners or even NFC-enabled phones still lights up the card’s Razer logo, so it’s still very possible to show this thing off to friends who probably wouldn’t care much.

I still find it one of the more cool things any company has done with payment cards, perhaps because my reptilian brain is drawn to shiny objects, and wish more banks would do similar things. See my TikTok for the card in action.

OCBC 90°N – something you can easily get for now

OCBC must have heard my wishes, because OCBC 90°N’s design revamp included a little feature that many might miss out: the degree symbol – yes that ° next to the number 90 – lights up when you tap the card against a contactless payment terminal.

Given that the earn rate is a mere 1.3 miles per dollar, I don’t advise actually using this card for paying your next dinner, but it is quite easy to see this in action by tapping it against other contactless readers. Similar to the Razer Card, door access scanners work particularly well, although if you have an iPhone or any other NFC-enabled phone, that should work too though I found it pretty unreliable at times. Again, you can catch it in action in my TikTok.

90°N is also one of the easier cards to get on this list… which is quite obvious given that most of the cards here are either discontinued or have exorbitant income and spend requirements. Check out the sign-up promo below:

StanChart X Card – aXed and replaced by StanChart Journey

StanChart X Card launched a few years ago to much fanfare. The bank seemed really enthusiastic about marketing the card with marketing blitz and a generous sign-up promo of 100,000 miles. The big welcome offer aside, it was a metal card that required just S$80,000 annual income as opposed to the typical S$120,000 figure most metal cards mandated. To top it off, the bank decided that it needed to be delivered in a box filled with LED lights:

One person’s “frivolous” is another person’s “cool”, and it’s probably my reptilian brain again but I fall into the group of people who’d find this nice. As a metal card, it is also one of the heftier ones that give satisfying clanking sound when you tap it with your fingers or toss it onto a table. Unfortunately for me, I never got the chance to unbox the X Card in this manner as I applied much later when they delivered it in a mere envelope.

The bank grew noticeably less enthusiastic about the card shortly after its launch, and eventually replaced the X Card with the plastic, less cool-sounding StanChart Journey card. Elon Musk probably disapproves.

Amex Centurion – 7-digit annual income, anyone?

Do you earn at least a million a year and are willing to spend upwards of S$300,000 within a year on one of your American Express cards? If so, you may just qualify to apply for the Amex Centurion card. Meeting those two requirements gives you a chance to be invited, and does not guarantee your success at getting the card.

Should you be invited, the first exclusive benefit you’d get is the privilege of paying a S$7,490 joining fee on top of the usual S$7,490 annual fee. In return, you get a list of benefits that frankly looks pretty uninteresting to me, though as captain of Team Value I’m likely not their target demographic. Milelion did a review on the card if you’re curious what a super high-end credit card does.

My own brush with the Centurion was at a Halloween party where I asked someone how he put together his outfit. Through his card’s concierge, of course, he said matter-of-factly. He casually pulled out his Centurion when I quizzed him more about it, and I must say that having errands run for you is definitely something cool to get from a card.

Mere mortals like us can buy our Halloween costumes from Taobao.

UOB Reserve Diamond – extinguishes other cards in physical excessiveness

On the topic of Crazy Rich cards, UOB Reserve Diamond is also pretty cool for putting an entire diamond on the physical card. I have no idea whether it’s a real diamond, but with a spend requirement of S$1 million it better be. To get this card, you must first qualify for the UOB Reserve card which itself requires S$500,000 annual income. You need to then put a S$1 million spend on that card within a year to qualify for the UOB Reserve Diamond.

Look, even if I earned half a million a year, spending twice my annual income on a single card sounds pretty bonkers to me, but maybe that is what it takes to extinguish your savings:

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Seth Wee was a licensed financial adviser representative from 2009 to 2025, with over 16 years of experience in Singapore’s financial advisory industry.

He started Sethisfy.com in 2019 to share practical insights on credit cards, banking products, and miles strategies, helping readers identify financial products that deliver the best value. Seth has been featured in CNA, Channel 8, Today, and a host of other publications. In 2025, he was also part of a panel at CPF’s Ready For Life festival.

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