I'll go against the grain and not write off the card holder. They are useful to carry around the minimal items - diving licence, debit card, credit card, £10 note. They are pretty timeless, last well, and you will get such good use out of it. Of course you can buy them far cheaper, but if you can afford it then it might be a lovely treat.
YSL Pouch I think is a little naff, sorry, and I think it is neither particularly attractive or functional.
The Polene bag is stunning, and I have a Polene bag myself which is very well made. However, it feels very current, not necessarily a bad thing, but in 5 years you might not love it so much and feel it is not that trendy. Not the case with the cardholder.