The ultra-wealthy are dropping up to $50,000 on gold credit cards decked out with precious gems. Here's a look at how they're designed.

The majority of Rosan Diamond's direct clients are businessmen from Eastern Europe, CIS, Malta, Switzerland and Latin America, Rosan Diamond's business development director Ruslan Aybazov told Business Insider.

According to Bloomberg, Insignia — one of Rosan Diamond's concierge partners, which is launching a new credit card service for members in 2020 — has 800 clients around the world. Approximately 50 are from the US, one quarter of whom are billionaires.

Design development takes anywhere from three weeks to three months, Aybazov said. That includes both premade designs and custom designs for clients.

Designs range from botanical scenes to reproductions of historical palaces to more whimsical and modern designs like pandas and planets. Each card is unique — while some are developed as a series, each iteration features different materials or color schemes.

Premade art collection card prices currently range from $18,000 to $34,000. Custom designs, on average, cost more than premade designs. The most expensive custom designed art collection card sold for $50,000, Aybazov told Business Insider.

For ATM and online use, a client's bank will issue a plastic companion card with a credit card number and CVV.

If a client does not have an account with a Rosan Diamond partner bank, a Rosan Diamond and VISA representative will contact the client's bank to talk through an arrangement.

Rosan Diamond offers chip replacement and polishing free of charge, Aybazov told Business Insider. On its website, Rosan Diamond touts the cards' heirloom worthiness, suggesting that they can be passed down through generations.

Here are some of Rosan Diamond's most bespoke Art Collection cards:

Design details: Two pandas in a tree

Made with: Gold, 612 diamonds, 6 rubies, 12 pink sapphires, 4 green diamonds, jasper, jadeite, malachite, violane, seashell, mother of pearl

Availability: For sale

Source: Rosan Diamond

Design details: Two Japanese dragons

Made with: Gold, 72 champagne diamonds, 231 cognac diamonds, mother of pearl, jasper

Availability: Sold

Source: Rosan Diamond

Design details: A female golfer going through the motions of a golf swing

Made with: Gold, 183 diamonds, mother of pearl

Availability: Sold

Source: Rosan Diamond

Design details: Inspired by Austrian painter Gustav Klimt's "The Kiss"

Made with: Gold, flint, jasper, nephrite, jadeite, rhodonite, malachite, charoite, tiger's eye, mother of pearl, sodalite

Availability: For sale

Source: Rosan Diamond

Design details: Planets congregating along the same side of the sun in a "parade"

Made with: Gold, 190 diamonds, jasper, turquoise, lazurite, rhodonite, charoite, carnelian, mother of pearl

Availability: For sale

Source: Rosan Diamond

Design details: A butterfly in flight among orchids

Made with: Gold, 133 diamonds, 86 black diamonds, 4 blue sapphires, 48 pink sapphires, 68 rubies, jadeite, pearl, coral, nephrite, mother of pearl, rhodonite

Availability: Sold

Source: Rosan Diamond

Design details: The card reproduces two frescoes (one on the front; one on the back) from the ancient Palace of Knossos on the island of Crete, which dates back to 1900 BC.

Made with: Gold, 413 diamonds, 245 blue sapphires, dumortierit, jasper, lazurite, mother of pearl

Availability: Sold

Source: Rosan Diamond

Design details: Warriors and a winged sphinx from paintings in the Palace of the Persian king Darius I at Susa in modern-day Iran

Made with: Gold, diamonds, jasper, turquoise, jadeite, lazurite, violane, azurite, mother of pearl

Availability: Sold

Source: Rosan Diamond

Design details: A braided hammock and marijuana leaf

Made with: Gold, 56 diamonds, jasper, jadeite, lazurite, mother of pearl

Availability: Sold

Source: Rosan Diamond