• Rosan Diamond, a payment-card manufacturer, handcrafts credit cards made with gold, diamonds, and other precious gems.
  • Designs range from pandas outlined in gold to reproductions of ancient frescoes bedazzled with hundreds of diamonds.
  • The cards function on VISA Infinite and VISA Signature platforms, cost between $18,000 and $50,000, and never expire.
  • Rosan Diamond sells its bespoke cards through concierge services like Insignia, a luxury lifestyle management company for millionaires and billionaires, as well as directly to individual clients.
  • Visit Business Insider’s homepage for more stories.

$50,000 can buy you a lot of things.

It can also get you a credit card on which to charge more things.

Since 2012, Rosan Diamond has designed bespoke credit cards for the 1% made with gold, diamonds, pearls, and other precious stones. The cards cost as much as $50,000, so they’re definitely not the kind you want to lose. In 2017, CNBC’s “Secret Lives of the Super Rich” called Rosan Diamond’s art collection “the most over-the-top credit cards ever made.” Business Insider spoke with Ruslan Aybazov, Rosan Diamond’s business development director, to learn more about how these cards work and the details behind the company’s dazzling designs.


Rosan Diamond is a payment-card manufacturer that merges luxury jewelry and technology, with offices in Russia and Switzerland.

Foto: sourceCourtesy Rosan Diamond

Founded in 2000, Rosan Diamond started out by selling gold, gem-encrusted cards as art. Over time, the company developed integration with payment technologies and in 2012 received certification from VISA to begin selling its cards on VISA Infinite and VISA Signature platforms.

Today, Rosan Diamond's clients include both concierge services, including UK-based luxury lifestyle management company Insignia, and directly to individual clients.


To date, Rosan Diamond has sold around 450 art collection cards.

Foto: A jeweler inlays stones using a sketch as a guideline.sourceCourtesy Rosan Diamond

The majority of Rosan Diamond's direct clients are businessmen from Eastern Europe, CIS, Malta, Switzerland and Latin America, Rosan Diamond's business development director Ruslan Aybazov told Business Insider.

According to Bloomberg, Insignia - one of Rosan Diamond's concierge partners, which is launching a new credit card service for members in 2020 - has 800 clients around the world. Approximately 50 are from the US, one quarter of whom are billionaires.


Each card takes between six to nine weeks to craft, once it has been designed.

Foto: sourceCourtesy Rosan Diamond

Design development takes anywhere from three weeks to three months, Aybazov said. That includes both premade designs and custom designs for clients.

Designs range from botanical scenes to reproductions of historical palaces to more whimsical and modern designs like pandas and planets. Each card is unique - while some are developed as a series, each iteration features different materials or color schemes.

Premade Art Collection card prices currently range from $18,000 to $34,000. Custom designs, on average, cost more than premade designs. The most expensive custom designed Art Collection Card sold for $50,000, Aybazov told Business Insider.


Cards incorporate "chip and pin" technology and can be used anywhere VISA is accepted with the exception of ATMs.

Foto: sourceCourtesy Rosan Diamond

For ATM and online use, a client's bank will issue a plastic companion card with a credit card number and CVV.

If a client does not have an account with a Rosan Diamond partner bank, a Rosan Diamond and VISA representative will contact the client's bank to talk through an arrangement.


Once completed, a card is shipped to a client's bank in a luxury wooden box.

Foto: sourceCourtesy Rosan Diamond

Rosan Diamond offers chip replacement and polishing free of charge, Aybazov told Business Insider. On its website, Rosan Diamond touts the cards' heirloom worthiness, suggesting that they can be passed down through generations.

Here are some of Rosan Diamond's most bespoke Art Collection cards:


'Pandas'

Foto: sourceCourtesy Rosan Diamond

Design details: Two pandas in a tree

Made with: Gold, 612 diamonds, 6 rubies, 12 pink sapphires, 4 green diamonds, jasper, jadeite, malachite, violane, seashell, mother of pearl

Availability: For sale Source: Rosan Diamond


'Tsuba Dragon'

Foto: sourceCourtesy Rosan Diamond

Design details: Two Japanese dragons

Made with: Gold, 72 champagne diamonds, 231 cognac diamonds, mother of pearl, jasper

Availability: Sold

Source: Rosan Diamond


'Golf'

Foto: sourceCourtesy Rosan Diamond

Design details: A female golfer going through the motions of a golf swing

Made with: Gold, 183 diamonds, mother of pearl

Availability: Sold

Source: Rosan Diamond


'The Kiss'

Foto: sourceCourtesy Rosan Diamond

Design details: Inspired by Austrian painter Gustav Klimt's "The Kiss"

Made with: Gold, flint, jasper, nephrite, jadeite, rhodonite, malachite, charoite, tiger's eye, mother of pearl, sodalite

Availability: For sale

Source: Rosan Diamond


'Parade of Planets'

Foto: sourceCourtesy Rosan Diamond

Design details: Planets congregating along the same side of the sun in a "parade"

Made with: Gold, 190 diamonds, jasper, turquoise, lazurite, rhodonite, charoite, carnelian, mother of pearl

Availability: For sale

Source: Rosan Diamond


'Butterfly in the Orchids'

Foto: sourceCourtesy Rosan Diamond

Design details: A butterfly in flight among orchids

Made with: Gold, 133 diamonds, 86 black diamonds, 4 blue sapphires, 48 pink sapphires, 68 rubies, jadeite, pearl, coral, nephrite, mother of pearl, rhodonite

Availability: Sold Source: Rosan Diamond


'Frescoes of Knossos'

Foto: sourceCourtesy Rosan Diamond

Design details: The card reproduces two frescoes (one on the front; one on the back) from the ancient Palace of Knossos on the island of Crete, which dates back to 1900 BC.

Made with: Gold, 413 diamonds, 245 blue sapphires, dumortierit, jasper, lazurite, mother of pearl

Availability: Sold

Source: Rosan Diamond


'Immortals'

Foto: sourceCourtesy Rosan Diamond

Design details: Warriors and a winged sphinx from paintings in the Palace of the Persian king Darius I at Susa in modern-day Iran

Made with: Gold, diamonds, jasper, turquoise, jadeite, lazurite, violane, azurite, mother of pearl

Availability: Sold

Source: Rosan Diamond


'Reggae'

Foto: sourceCourtesy Rosan Diamond

Design details: A braided hammock and marijuana leaf

Made with: Gold, 56 diamonds, jasper, jadeite, lazurite, mother of pearl

Availability: Sold

Source: Rosan Diamond