The credit limit of a gold card is generally between 10000-50000, and the annual fee can generally be reduced or exempted by the number of swipes and the total consumption. The application for a gold card is stricter than that for an ordinary card.

White card is the highest credit card for the general population. Generally speaking, the annual fee is unavoidable for white cards. In China, white card services generally include special line customer service, free golf, airport VIP, free physical examination, high insurance and emergency support. However, with the internal competition of banks, white cards are becoming the norm.

Black cards, also known as unlimited cards and world cards, exist as gods in credit cards. Applications are not accepted and can only be processed at the invitation of the issuing bank. Black card is the highest-end brand in Visa card.