Yes, the gold card and platinum card of China Merchants Bank Credit Card are very different:
1) On the limit, the gold card has an upper limit of 50,000, the platinum card has an upper limit of 50,000, and the upper limit is 500,000 (the more advanced card is an unlimited card, which starts at 500,000 and is not capped);
2) In the annual fee, the gold card is 300 yuan, but the card can be swiped for 6 times; Platinum card has an annual fee of 3600 yuan, and no annual fee-free activities are provided, but 10000 points can be converted into annual fees;
3) In terms of discount, the discount enjoyed by gold cards in general special merchants is not as high as that enjoyed by platinum cards. For example, in some special restaurants, gold cards are 20% off and platinum cards are 60% off.
4) When handling, the gold card can apply for it on its own initiative, while the platinum card is generally invited by China Merchants Bank, and high-quality customers are selected from the gold card customers, and the active application is generally not accepted. If you have golden sunflower card in the local branch of China Merchants Bank, or buy wealth management products of more than 200,000 yuan, you can ask the wealth management manager of the branch to recommend a platinum card.
5) The Platinum Card also provides some additional services, such as 65,438+0 free physical examinations every year, 65,438+02 VIP rooms in global airports, about 20 free golf driving ranges, card replacement/loss reporting and other card services.
1, China Merchants Bank Credit Card
In 2002, China Merchants Bank realized the integration and professional service of credit cards. The Credit Card Customer Service Center of China Merchants Bank was awarded as the "Best Call Center of the Year in China" at the China Conference on Call Center Operation and Customer Relationship Management in 2004, and it is the only award-winning unit in the domestic financial industry.
2. Basic introduction
China Merchants Bank Credit Card is a comprehensive professional credit card issued by China Merchants Bank in 2002, and it is a pioneer in the credit card market in China. Since February of the same year, the first "one card, two currencies" credit card in China was issued in line with international standards, and a series of remarkable achievements have been made.
China Merchants Bank Platinum Credit Card Annual Fee
1. Classic Platinum Card:
The annual fee for the classic platinum card is 3,600 yuan/year for the main card and 2,000 yuan/year for the auxiliary card. In the13rd month after the credit card is issued, the credit card system of China Merchants Bank will automatically deduct the corresponding points from the credit card points account to exchange the annual fee. General 10000 permanent points can be exchanged for the annual fee of the main card and 5000 permanent points can be exchanged for the annual fee of the auxiliary card.
2. UnionPay exquisite platinum card:
The annual fee for refined platinum card is 800 yuan/year for the main card and 300 yuan/year for the auxiliary card. The annual fee of the card can be waived in the first year, and the annual fee of the main card can be waived in the next year if the consumption reaches 80 thousand yuan and the number of swipes reaches more than 20 times. If you spend more than 30,000 yuan and 10 times with the supplementary card in that year, you can be exempted from the annual fee for the following year (the first two supplementary cards are exempted from the annual fee).
3. Zunshang Platinum Staging Card:
The annual fee for Zunshang Platinum Staging Card is 800 yuan/year and the annual fee for supplementary card is 300 yuan/year. The main card can be exempted from the annual fee of the following year if it is consumed three times a year, and the secondary card can be exempted from the annual fee of the following year if it is consumed three times a year (the first two secondary cards are exempted from the annual fee).
The types of credit cards of China Merchants Bank include:
1, standard credit card:
It mainly includes standard VISA card, standard card, standard credit card of China Merchants Bank, and "He" credit card of China Merchants Bank.
2. Theme series credit cards:
China Merchants Bank Caixin Media Co-branded Card, China Merchants Bank Hungry Co-branded Card, China Merchants Bank Netease Cloud Music Credit Card, China Merchants Bank Doraemon MengMeng Card, etc.
3. Regional series credit cards:
There are mainly Pinghetang co-branded credit card, Century Jinhua co-branded credit card, Wuhuan Sports co-branded credit card and Xi 'an True Love Star Card.
4. Travel series credit card:
There are mainly Ctrip Travel Credit Card, Air China Companion Credit Card, China Southern Pearl Credit Card, Xiamen Airlines Egret Joint Credit Card and China Eastern Airlines Joint Credit Card.
5. Owner Card Series:
The owner cards of China Merchants Bank include Zhong Ying Automobile Co-branded Credit Card and carcard Credit Card.
6. Shopping series credit cards:
There are mainly Parkson Shopping Credit Card and Ruili Female Shopping Card.
Recommend credit card
Paragraph 1: Features of China Merchants Youth Card: Withdrawal amount 100%, with no handling fee for the first withdrawal every month; Generous card opening ceremony, new residents give alpine suitcases or Pentium electric razors in full by swiping their cards; Enjoy double points in the birthday month, with a maximum of 2000 points per month, and the points will be valid forever. The general card amount can be above 10K!
The second paragraph: Kaka noodles for merchants are also quite cool. If you have a car, it is recommended to apply for a car owner card. We all know that China Merchants' credit card points are valuable. Every investment in 20 yuan is only 1 minute, and the consumption of 39.9 yuan is also 1 minute. There is also the difficulty of authority conversion. Merchants' owner cards have the rights and interests of 1.5 times points, and cards with 1.5 times points have city cards, which are not available in every city. This card that can be applied for is worthy of attention!
Paragraph 3: China Merchants Bank City Card The credit cards in each city are different, and most of them are quite ugly. China Merchants Bank City Card, together with young Card, is called China Merchants Bank "leg hair card". This is because China Merchants Bank had policies before. These "leg hair cards" are free to withdraw cash for the first time every month, and they have points. Therefore, many cardholders get the free points of China Merchants Bank through cash withdrawal, which is the so-called "leg hair card".
What's the difference between the platinum card and the gold card of China Merchants Bank Credit Card?
The limit is different. The limit of a gold card is generally 50,000 yuan, and the limit of a platinum card is generally a fixed limit of 50,000 yuan plus a temporary limit that is actively adjusted for you every month. At that time, you can use the sum of the two parts for credit card consumption. Enjoy different rights and interests, the platinum card has a special platinum secretary, but the gold card does not; Other activities are also specifically aimed at platinum cards.
China Merchants Bank Platinum Card Application Conditions
Credit card platinum card application conditions:
(1) The applicant should be 18 ~ 60 years old (foreigners are 25 ~ 60 years old), have certain economic ability and have a good credit record.
(2) The applicant for supplementary card is over 14 years old (inclusive), and the principal cardholder can apply for supplementary card for immediate family members (parents, spouses or children).
Extended data:
China Merchants Bank Platinum Card Function
1, platinum VIP service and financial services.
The Credit Card Center of China Merchants Bank has set up a 24-hour free long-distance telephone service line to provide you with all-round exclusive VIP services, exclusive service invitations for various platinum cardholders, thoughtful and warm special date reminders and other services to assist the use of credit cards, show the special quality of China Merchants Bank Platinum Credit Card and respect your preference for personalized platinum treatment.
2. Top personalized financial services:
(1) Smart Quota
When your credit limit reaches a certain level, you will receive a reminder call. At the same time, you can take the initiative to increase the temporary limit according to the specific situation. This is the first smart platinum credit card in China, which eliminates the embarrassment that you can't swipe your card because of the card limit. For you, even if it's too much, you should brush it.
(2) Reminder of large transactions
Extra security. We have an advanced detection system, and we can send you a reminder or confirmation through SMS for some specific large-value consumption transactions.
(3) VIP financing channels
You can enjoy the VIP channels and VIP counters of all branches of China Merchants Bank, providing you with financial shortcuts. Professional account managers will serve you and help you handle business conveniently and quickly.