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Mastercard concierge: How does it work?

A useful feature available with some cards.

Concierge service can be helpful for dinner reservations and travel bookings, plus they can also help you research things to do, locate the perfect gift for your significant other or even find items you may have forgotten at your hotel. Needless to say, this service can make travel that much more seamless.

Does Mastercard credit cards have a concierge service?

Only Mastercard’s more premium credit cards offer concierge service. You can use this feature with:

  • World Mastercard
  • World Elite Mastercard
  • Luxury Card

How does Mastercard concierge service work?

The credit card concierge acts as your personal assistant. You can reach out whenever you want and make your request. But the time it takes to get the results depends on your urgency and the type of request — it could take anywhere from a few minutes to a few days.

Keep in mind, concierge service results aren’t flawless. For example, if you request a list of places to visit when traveling abroad, the concierge could miss some key locations that you could’ve chosen to visit if you had researched yourself. But if you’re short on time to do your own research, the concierge is your next best solution.

What can Mastercard concierge service do?

A concierge can meet a lot of requests as long as they are legal and within reason. For example, your concierge can help you with:

Restaurant reservations

This is perhaps the most popular request. Many cardholders praise the concierge service because they managed to get them a table in overbooked restaurants. While this may not always work, it’s worth a try.

Event tickets

Another popular request is for the concierge to acquire sporting event tickets or concert tickets. Similar to restaurant reservations, the concierge could get you tickets even when they’re not available for sale, but again — it’s hit and miss.

Travel arrangements

If you’re too busy to make your own travel arrangements, reach out to your credit card concierge. They can make airline reservations, call a taxi or a limo, arrange a car rental, or they can book hotel stays or a cruise. They can also arrange tours, excursions and other activities or make recommendations while you’re abroad.

Help find lost items

If you happen to leave an item in your hotel or lose your bag at the airport, call your concierge. They can make a few phone calls and help you find and retrieve your lost items.


If you’re stumped on what to buy your partner, you can ask the concierge for recommendations. If you know what to buy but can’t find it, the concierge can look it up for you. Your credit card concierge can do other types of research, such as find the best restaurant for a date or a business meeting or help you with a business presentation.

How to use Mastercard concierge service

Using Mastercard’s concierge service is simple. The process may slightly vary between card providers, but in general, there are three ways to do it:

  1. Call the number on the back of your card.
  2. Download the Mastercard Concierge or the Luxury Card mobile apps and use the chat service.
  3. Visit and log in using your name, email and last six digits of your card.

Mastercard concierge service policy

The Mastercard concierge service doesn’t cost anything extra to use. But you will have to pay for any third-party services you authorize the concierge to purchase for you.

Compare credit cards with concierge service

If you’re looking to utilize one of the best concierge services, consider applying for one of the three Mastercard’s Luxury cards. World Mastercard or World Elite Mastercard credit cards should come with a concierge service, but it may depend on the card provider. Make sure you ask customer support if they provide concierge service before you apply for the card.

1 - 3 of 9
Name Product Filter values Rewards Purchase APR Annual fee
Luxury Card Mastercard® Black Card™
1x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back
17.24% variable
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
Capital One SavorOne Student Cash Rewards Credit Card
Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores, with 1% on all other purchases.
17.99% to 27.99% variable
Limited Time Offer: Earn $100 when you spend $100 in the first three months with this student card.
Capital One Quicksilver Student Cash Rewards Credit Card
1.5% cash back on every purchase, every day and 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply)
17.99% to 27.99% variable
Earn unlimited 1.5% cash back on every purchase, every day with this student card.

Compare up to 4 providers

Mastercard concierge user reviews

There are few user reviews online about Mastercard concierge service. At the moment of writing, only two cardholders have shared their experience on Reddit.

They reported using their Mastercard concierge to make reservations for high-end restaurants in France, and getting train tickets in Spain. In both cases, the card users said they didn’t know the foreign language and were happy their concierge met their needs in record time.

Concierge service vs. Siri, Alexa or Google

If you’re looking for simple information available online, there’s no need to reach out to your concierge. Asking Siri, Alexa or Google will likely get you the same information. That said, a device can’t compete talking to a real person who can help meet your needs and understand the complexities of a request.

Bottom line

Getting a Mastercard credit card with concierge service is definitely worth considering for assistance with travel bookings, dinner reservations and a variety of personal requests without additional service costs.

But to get this perk, you need a World Mastercard, World Elite Mastercard or a Luxury Card. If none of those cards are right for you, compare other cards that offer concierge services.

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