UTGL Asset Link Credit Card

Your link to frictionless multi asset spending

Your link to frictionless multi asset spending

Your link to frictionless multi asset spending

Discover unparalleled flexibility and privacy with the UTGL Asset Link Credit Card, directly linked to your trust account as a pioneering solution in the world.

Discover unparalleled flexibility and privacy with the UTGL Asset Link Credit Card, directly linked to your trust account as a pioneering solution in the world.

OVERVIEW

Manage your finance with ease

Our user-friendly platform empowers you to manage your finances with ease. Stay informed, secure, and confident with our user-friendly platform.

Key Features

01

Apply for Additional Cards: Effortlessly extend access to your trust funds.

02

Adjust Credit Limit: Maintain control over spending on your cards to suit your needs.

03

Control Transaction Alerts and Notifications: Stay informed and in control with customizable transaction alerts.

04

Monitor Spending in Real-time: Gain real-time visibility with detailed transaction history.

CARD FEATURES

What’s special about your UTGL card?

Experience unparalleled flexibility and security with the UTGL card. From unlimited credit potential to enhanced privacy and customization options, our card redefines financial freedom. Backed by innovative features, it's more than just a card—it's a tailored financial solution.

No Max Credit Limit

Credit card limit is based on your trust account's asset value. More assets mean a higher limit. No cap exists, offering potential for unlimited credit.

High-Privacy Consumption

The UTGL credit card processes all transactions securely through your personal trust account, keeping financial activities private from outside parties.

Exclusively Yours

UTGL cards can be customized with a chosen name or unique design for prestige, with only a production fee charged.

Multi-asset Collateral

Our platform accepts an array of assets as collateral, providing flexibility to draw credit against the most beneficial asset for each user's unique situation.

UTGL AutoPay

Save time and money with UTGL AutoPay. Enable automatic repayments to avoid interest, with UTGL pre-authorized to pay balance due.

Additional Cards

Applying for additional UTGL cards is easy - get cards for family and friends to share benefits and convenience.

CARD BENEFITS

Flexible access to trust assets, with our UTGL Asset Link Credit Card

Explore an array of credit cards specifically designed for our trust accounts, each tier offering unique benefits to meet your individual needs.

Standard

With basic trust services, your living expenses will be covered while your assets grow. Enjoy 1.5% cashback on overseas transactions.

Premium

Elevate your private spending with enhanced trust advantages and increased card cashback benefits. Earn 2.5% cashback on overseas transactions for greater rewards on international purchases.

Supreme

Crafted from precious metal, the card reflects your refined spending style with 4% cashback on overseas purchases. Build a legacy of protection for your wealth, family, and future through customized trust management services. A dedicated Telegram group offers personalized support to help you maximize opportunities and safeguard your assets for generations.

FIRST IN THE WORLD

utgl-world-elite-ceramic
utgl-world-elite-ceramic

UTGL Ceramic Black Card

Stand out from the crowd - the ultimate luxury accessory - the UTGL Asset Link Black Card is made of ceramic. It's a 21g statement piece that exudes sophistication and style, while also offering unparalleled security and convenience. Crafted from the finest materials, this black card is not only durable but also environmentally friendly. Its ceramic composition ensures that it can withstand wear and tear, making it the perfect card for high-spending individuals who demand nothing but the best. With 5% overseas purchase cashback rewards, it delivers unparalleled value and convenience for international spending.

COMPARISON

Moving beyond traditional AE Black Card: Enter a new era of full ceramic luxury

Embrace the elegance and durability of our full ceramic credit card, a modern alternative to traditional black cards.

Other Card vs UTGL Ceramic Black Card

American Express Centurion Black Card

UTGL Ceramic Black Card

Model

Credit

Asset Linked Credit

Regulators

Money lender license

Companies registry under Trustee Ordinance and Money Lender License

Ease of Information Tax Leak

High

Low

Material

Anodized titanium

Full ceramic

Credit Limit

Pre-approval limit applied (cardholders need to inject funds to obtain higher limit)

Unlimited

Functions

Spending and concierge service

In addition to spending and concierge services, our cards are linked to a trust which offers asset protection and succession planning for cardholders (settlors and beneficiaries).

Privacy Spending

Low

Ultra high

Credit History Importance Requirement

High

Low

Exclusiveness

Over 20,000 cardholders worldwide and its exclusivity is diminishing.

Unparalleled exclusivity: Limited to only 300 cards worldwide, our ceramic card offers a truly unique and collectible financial instrument.

Model

UTGL Ceramic Black Card

Asset Linked Credit

American Express Centurion Black Card

Credit

Regulators

UTGL Ceramic Black Card

Companies registry under Trustee Ordinance and Money Lender License

American Express Centurion Black Card

Money lender license

Ease of Information Tax Leak

UTGL Ceramic Black Card

Low

American Express Centurion Black Card

High

Material

UTGL Ceramic Black Card

Full ceramic

American Express Centurion Black Card

Anodized titanium

Credit Limit

UTGL Ceramic Black Card

Unlimited

American Express Centurion Black Card

Pre-approval limit applied (cardholders need to inject funds to obtain higher limit)

Functions

UTGL Ceramic Black Card

In addition to spending and concierge services, our cards are linked to a trust which offers asset protection and succession planning for cardholders (settlors and beneficiaries).

American Express Centurion Black Card

Spending and concierge service

Privacy Spending

UTGL Ceramic Black Card

Ultra high

American Express Centurion Black Card

Low

Credit History Importance Requirement

UTGL Ceramic Black Card

Low

American Express Centurion Black Card

High

Exclusiveness

UTGL Ceramic Black Card

Unparalleled exclusivity: Limited to only 300 cards worldwide, our ceramic card offers a truly unique and collectible financial instrument.

American Express Centurion Black Card

Over 20,000 cardholders worldwide and its exclusivity is diminishing.

Prepaid Card vs UTGL Asset Link Credit Card

Prepaid Card

UTGL Asset Link Credit Card

Definition

A card that is loaded with funds in advance.

A credit card which links to your trust.

Credit Check

No credit check required.

Credit check may be required Based on the value of the linked asset.

Credit Limit

Limited to the amount loaded on the card.

Based on the value of the linked asset.

Interest

No interest charges as it's not a credit card.

Interest charges may apply on outstanding balances.

Building Credit History

Does not contribute to building credit history.

Can help build or improve credit history.

Overdrafts

No overdrafts allowed.

May allow overdrafts depending on the card terms.

Usage Restrictions

No restrictions on where the card can be used.

Can be used wherever credit cards are accepted.

Monthly Fees

Some prepaid cards charge monthly maintenance fees.

Subject to specific waiver conditions, Annual fee can be waived.

Liability for Fraud

Limited liability for unauthorized transactions.

Similar liability protection as regular credit cards.

Rewards or Benefits

Limited or no rewards or benefits.

VIP services.

Accessibility

Widely available and accessible to most individuals.

Wide range of assets are accepted.

Definition

UTGL Asset Link Credit Card

A credit card which links to your trust.

Prepaid Card

A card that is loaded with funds in advance.

Credit Check

UTGL Asset Link Credit Card

Credit check may be required Based on the value of the linked asset.

Prepaid Card

No credit check required.

Credit Limit

UTGL Asset Link Credit Card

Based on the value of the linked asset.

Prepaid Card

Limited to the amount loaded on the card.

Interest

UTGL Asset Link Credit Card

Interest charges may apply on outstanding balances.

Prepaid Card

No interest charges as it's not a credit card.

Building Credit History

UTGL Asset Link Credit Card

Can help build or improve credit history.

Prepaid Card

Does not contribute to building credit history.

Overdrafts

UTGL Asset Link Credit Card

May allow overdrafts depending on the card terms.

Prepaid Card

No overdrafts allowed.

Usage Restrictions

UTGL Asset Link Credit Card

Can be used wherever credit cards are accepted.

Prepaid Card

No restrictions on where the card can be used.

Monthly Fees

UTGL Asset Link Credit Card

Subject to specific waiver conditions, Annual fee can be waived.

Prepaid Card

Some prepaid cards charge monthly maintenance fees.

Liability for Fraud

UTGL Asset Link Credit Card

Similar liability protection as regular credit cards.

Prepaid Card

Limited liability for unauthorized transactions.

Rewards or Benefits

UTGL Asset Link Credit Card

VIP services.

Prepaid Card

Limited or no rewards or benefits.

Accessibility

UTGL Asset Link Credit Card

Wide range of assets are accepted.

Prepaid Card

Widely available and accessible to most individuals.

HOW UTGL HELPS

Looking for something more than a generic credit card?

Design your own credit card and make it truly yours.

FREQUENTLY ASKED QUESTIONS

Everything you need to know

Can I apply for additional cards for my family or friends?

Yes, an additional card allows you to share the benefits and convenience of your UTGL Asset Link Credit Card with your family and friends. With just one trust account, your family members or friends can enjoy a range of exclusive benefits and privileges. Additionally, you have the ability to monitor all transactions in real time, control the daily or monthly spending of additional cardholders through flexible spending limit settings, and conveniently repay all cards at once on UTGL.

Can I apply for additional cards for my family or friends?

Yes, an additional card allows you to share the benefits and convenience of your UTGL Asset Link Credit Card with your family and friends. With just one trust account, your family members or friends can enjoy a range of exclusive benefits and privileges. Additionally, you have the ability to monitor all transactions in real time, control the daily or monthly spending of additional cardholders through flexible spending limit settings, and conveniently repay all cards at once on UTGL.

Can I apply for additional cards for my family or friends?

Yes, an additional card allows you to share the benefits and convenience of your UTGL Asset Link Credit Card with your family and friends. With just one trust account, your family members or friends can enjoy a range of exclusive benefits and privileges. Additionally, you have the ability to monitor all transactions in real time, control the daily or monthly spending of additional cardholders through flexible spending limit settings, and conveniently repay all cards at once on UTGL.

When do I need to settle the outstanding balance of my UTGL Asset Link Credit Card?

If you have placed an instruction to enable UTGL AutoPay for automatic repayments, repayments toward the outstanding balance will be made automatically on your behalf. Assets used for repayment are based on your repayment preferences configured when authorizing UTGL to enable UTGL AutoPay and can be changed with just a few clicks. You can also disable UTGL AutoPay by an instruction and decide when and how to settle the outstanding balance. Interest will be calculated daily on the outstanding balance.

When do I need to settle the outstanding balance of my UTGL Asset Link Credit Card?

If you have placed an instruction to enable UTGL AutoPay for automatic repayments, repayments toward the outstanding balance will be made automatically on your behalf. Assets used for repayment are based on your repayment preferences configured when authorizing UTGL to enable UTGL AutoPay and can be changed with just a few clicks. You can also disable UTGL AutoPay by an instruction and decide when and how to settle the outstanding balance. Interest will be calculated daily on the outstanding balance.

When do I need to settle the outstanding balance of my UTGL Asset Link Credit Card?

If you have placed an instruction to enable UTGL AutoPay for automatic repayments, repayments toward the outstanding balance will be made automatically on your behalf. Assets used for repayment are based on your repayment preferences configured when authorizing UTGL to enable UTGL AutoPay and can be changed with just a few clicks. You can also disable UTGL AutoPay by an instruction and decide when and how to settle the outstanding balance. Interest will be calculated daily on the outstanding balance.

When will the outstanding balance of my UTGL Asset Link Credit Card start incurring interest?

If you have instructed UTGL to enable UTGL AutoPay for automatic repayments, you won’t be charged any interest proving that you have adequate eligible assets in your card account for repayments. Otherwise, for ATM transactions, interest is charged immediately. For purchase transactions, your card account will not be debited until the merchant has presented your card transaction to us requesting payment. We will send you a notification, through the portal or by email, on the day purchase transaction(s) are debited.

When will the outstanding balance of my UTGL Asset Link Credit Card start incurring interest?

If you have instructed UTGL to enable UTGL AutoPay for automatic repayments, you won’t be charged any interest proving that you have adequate eligible assets in your card account for repayments. Otherwise, for ATM transactions, interest is charged immediately. For purchase transactions, your card account will not be debited until the merchant has presented your card transaction to us requesting payment. We will send you a notification, through the portal or by email, on the day purchase transaction(s) are debited.

When will the outstanding balance of my UTGL Asset Link Credit Card start incurring interest?

If you have instructed UTGL to enable UTGL AutoPay for automatic repayments, you won’t be charged any interest proving that you have adequate eligible assets in your card account for repayments. Otherwise, for ATM transactions, interest is charged immediately. For purchase transactions, your card account will not be debited until the merchant has presented your card transaction to us requesting payment. We will send you a notification, through the portal or by email, on the day purchase transaction(s) are debited.

How and when is interest calculated?

Interest Fee = (Account Outstanding Balance – Repayments) x Daily Interest Rate. Interest is calculated and debited to the outstanding balance of your account, where applicable, daily. The payment cut-off time will be the end of that day (24:00:00 HKT) giving you ample time to settle the payment during the day.

How and when is interest calculated?

Interest Fee = (Account Outstanding Balance – Repayments) x Daily Interest Rate. Interest is calculated and debited to the outstanding balance of your account, where applicable, daily. The payment cut-off time will be the end of that day (24:00:00 HKT) giving you ample time to settle the payment during the day.

How and when is interest calculated?

Interest Fee = (Account Outstanding Balance – Repayments) x Daily Interest Rate. Interest is calculated and debited to the outstanding balance of your account, where applicable, daily. The payment cut-off time will be the end of that day (24:00:00 HKT) giving you ample time to settle the payment during the day.

How much are the monthly minimum repayments?

There are no minimum repayments and no fixed payment due dates. You pay at your own discretion.

How much are the monthly minimum repayments?

There are no minimum repayments and no fixed payment due dates. You pay at your own discretion.

How much are the monthly minimum repayments?

There are no minimum repayments and no fixed payment due dates. You pay at your own discretion.

How do I track my card transactions?

You can log in to your UTGL Trust Platform to see all your transactions.

How do I track my card transactions?

You can log in to your UTGL Trust Platform to see all your transactions.

How do I track my card transactions?

You can log in to your UTGL Trust Platform to see all your transactions.

How do I switch between Auto Repayment and Manual Repayment methods?

You can change the current setting of the Auto Repayment feature on your UTGL digital trust platform at any time.

How do I switch between Auto Repayment and Manual Repayment methods?

You can change the current setting of the Auto Repayment feature on your UTGL digital trust platform at any time.

How do I switch between Auto Repayment and Manual Repayment methods?

You can change the current setting of the Auto Repayment feature on your UTGL digital trust platform at any time.

Will my assets be affected if the outstanding balance is not settled?

Your assets are always safe and under legal protection. While your balance is not settled, the interest charges will continue to accrue until the day you fully repay the outstanding balance of your account.

Will my assets be affected if the outstanding balance is not settled?

Your assets are always safe and under legal protection. While your balance is not settled, the interest charges will continue to accrue until the day you fully repay the outstanding balance of your account.

Will my assets be affected if the outstanding balance is not settled?

Your assets are always safe and under legal protection. While your balance is not settled, the interest charges will continue to accrue until the day you fully repay the outstanding balance of your account.

Will I receive a daily statement for daily repayment?

Yes. We will be sending an outstanding balance notification email to you every morning at 11:00 AM HKT.

Will I receive a daily statement for daily repayment?

Yes. We will be sending an outstanding balance notification email to you every morning at 11:00 AM HKT.

Will I receive a daily statement for daily repayment?

Yes. We will be sending an outstanding balance notification email to you every morning at 11:00 AM HKT.

Credit card support

Get assistance with card activation, resolve issues, or inquire about your credit card features and benefits.

© 2024 UTGL. All rights reserved.

Disclaimer: The information provided on this website is for informational purposes only. It should not be considered legal, financial or tax advice. UTGL makes no representations as to the accuracy, completeness, suitability or validity of any information on this site and will not be liable for any errors, omissions or delays in this information or any losses, injuries or damages arising from its display or use. All information is provided on an as-is basis.


This website may contain links to external websites that are not provided or maintained by or in any way affiliated with UTGL. Please note that the UTGL does not guarantee the accuracy, relevance, timeliness or completeness of any information on these external websites.


Links to external websites are provided as a courtesy and do not imply UTGL's endorsement of those sites or their content, products or services. UTGL assumes no liability for damages resulting from the use of or reliance upon the information provided herein.

Credit card support

Get assistance with card activation, resolve issues, or inquire about your credit card features and benefits.

© 2024 UTGL. All rights reserved.

Disclaimer: The information provided on this website is for informational purposes only. It should not be considered legal, financial or tax advice. UTGL makes no representations as to the accuracy, completeness, suitability or validity of any information on this site and will not be liable for any errors, omissions or delays in this information or any losses, injuries or damages arising from its display or use. All information is provided on an as-is basis.


This website may contain links to external websites that are not provided or maintained by or in any way affiliated with UTGL. Please note that the UTGL does not guarantee the accuracy, relevance, timeliness or completeness of any information on these external websites.


Links to external websites are provided as a courtesy and do not imply UTGL's endorsement of those sites or their content, products or services. UTGL assumes no liability for damages resulting from the use of or reliance upon the information provided herein.

Credit card support

Get assistance with card activation, resolve issues, or inquire about your credit card features and benefits.

© 2024 UTGL. All rights reserved.

Disclaimer: The information provided on this website is for informational purposes only. It should not be considered legal, financial or tax advice. UTGL makes no representations as to the accuracy, completeness, suitability or validity of any information on this site and will not be liable for any errors, omissions or delays in this information or any losses, injuries or damages arising from its display or use. All information is provided on an as-is basis.


This website may contain links to external websites that are not provided or maintained by or in any way affiliated with UTGL. Please note that the UTGL does not guarantee the accuracy, relevance, timeliness or completeness of any information on these external websites.


Links to external websites are provided as a courtesy and do not imply UTGL's endorsement of those sites or their content, products or services. UTGL assumes no liability for damages resulting from the use of or reliance upon the information provided herein.

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