AU Card LLC

AU Card LLC operates the ClubSwan-branded card program that bundles high-limit crypto-linked Visa cards with a mobile banking wallet, concierge desk and travel booking engine. Products are offered in three metal-card tiers—Silver, Gold and Black—priced from a USD 50 activation fee to a USD 2,500 initiation plus USD 150–1,250 annual fee, placing the line in the premium segment. All onboarding, KYC funding and account management are handled through the clubswan.com web app and iOS/Android apps; no physical retail network is used. The program’s core edge is instant conversion of 15+ major cryptocurrencies to spendable fiat at point-of-sale and free outgoing SWIFT/SEPA wires, giving cardholders liquidity without off-ramping through exchanges. A 24/7 concierge, airport lounge access, merchant rebate network and up to 4% crypto-back on purchases are packaged into the same subscription. The Black tier’s USD 2,500 initiation and USD 100k minimum deposit requirement positions it as an invite-style status product within the crypto-finance space. Primary customers are high-net-worth crypto investors, digital-nomad entrepreneurs and offshore professionals who want frictionless spending of digital assets and travel perks without traditional credit checks. They value jurisdictional flexibility, same-day card issuance to 150+ countries and the ability to run payroll or remittances through the multi-currency IBANs attached to each account. ClubSwan competes with premium fintech cards that target globally mobile asset holders, but differentiates by combining crypto-native rails, high spending limits and white-glove concierge in one vertically integrated platform rather than partnering with legacy banks. Its emphasis on instant crypto-to-fiat execution, metal card aesthetics and closed-loop travel rewards creates a niche between private-bank cards and exchange debit products.