Step 01
Choose personal or company spending
Start by identifying who will use the card and whose spending it covers. OWN presents three personal programmes and one corporate programme.
- For your own spending, compare Standard Personal, Elite Black and Elite Plus Gold.
- For company spending, ask about Standard Corporate.
- List the uses that matter: purchases, ATM withdrawals, travel services or help arranging payments.
Visit the card collection to see the programme designs and summaries. Designs on the website are illustrative; eligibility and approval still apply.
Step 02
Compare the programme highlights
| Programme | Published highlights |
|---|---|
| Standard Personal | Personal card payments and ATM cash withdrawals. |
| Elite Black | Priority Pass lounge programme, 24/7 concierge and travel insurance. |
| Elite Plus Gold | Elite travel services plus a dedicated payments assistant. |
| Standard Corporate | Corporate card programme for company spending. |
These are programme summaries from the OWN cards page. Ask for the full conditions for the card you are considering.
Step 03
Check the conditions behind the benefits
For an Elite programme, compare the conditions of the services you expect to use.
- Lounge programme: participating locations, access conditions and any visit or guest costs.
- Concierge: what arrangements can be made and which bookings or experiences carry costs.
- Travel insurance: policy eligibility, activation requirements, cover and exclusions.
- Payments assistant: scope of assistance, checks and any applicable service conditions.
A short benefit description does not replace the lounge terms or insurance policy. Confirm the details before relying on a service for a trip or payment.
Step 04
Ask for the costs and limits
For your shortlisted card, request the information relevant to how you expect to use it.
- Programme, issuance or renewal charges, where applicable.
- Purchase and foreign-exchange charges.
- ATM charges and withdrawal limits.
- Spending limits and availability for your profile.
- Additional provider costs for travel or concierge services.
Use the programme terms confirmed by OWN for your application. See the standard card fees and confirm the pricing for your profile.
Step 05
Send your selected programme to OWN
- Choose a programme on the cards page and select its enquiry option.
- Check that the selected card appears in the website enquiry.
- Add your name, contact email and a brief note about your intended use.
- Review and send the enquiry; keep the reference shown.
- Confirm the programme conditions and follow the verification and application instructions supplied by OWN.
For Standard Corporate, include the company name and intended business use. An enquiry is not an approved card application.