Typically cards with extra features either (at the low end) charge a monthly fee or (at the higher end) have minimum requirements such as a minimum net worth for the holder or a minimum monthly or annual spend through it. Lower end would normally be a small fee and fairly basic bonus features (travel insurance, gadget insurance, airport lounges) while I&#x27;d expect any half-decent concierge service to be aimed at attracting richer customers. The minimum worth&#x2F;spend requirements basically mean the extra services offered are there to attract people who will give the card creators more % by spending more money, giving them enough profit to offer free services.