The difference between CITIC Bank’s gold credit card and platinum card

The difference between CITIC Bank’s platinum card and gold card:

1. Different limits: CITIC Bank’s platinum credit card limit Generally, the minimum limit starts at 50,000 yuan. The better the qualifications, the higher the limit; while the gold card limit is between 10,000 and 50,000 yuan.

2. Annual fees are different: The annual fee of CITIC Bank Platinum Card is generally higher than that of Gold Card, and Platinum Card usually does not participate in the annual fee-free policy, while Gold Card often only requires swiping the card for a certain number of purchases. The annual fee can be waived.

3. Different rights and interests: Platinum credit cards can often enjoy more rights and interests, such as aviation accident insurance protection, higher amount of lost card protection and other rights.

There are 8 types of CITIC Bank credit cards, namely regular card, gold card, titanium card, platinum card, black gold card, diamond card, unlimited card and world card.

Which one is better, Gold Card or Platinum Card?

First of all, I can tell you responsibly that platinum is definitely better. However, I will write you the application conditions and discounts of the two cards below. Gold Card: Application: Bring your ID card to apply, and deposit 200,000 for 3 months on a regular basis. (Your 20W cannot be used during these 3 months) Discount: Enjoy VIP channel processing business. Gold card transfer and remittance fees are discounted. Platinum card application: First, you must deposit 500,000 for 3 months regularly. Other benefits are the same as the gold card: 1. Enjoy the VIP channel to handle business, and if there is a gold card household head, handle the business of the platinum card household head first. 2. After reaching a certain point. Enjoy VIP access to the airport. 3. Platinum Card transfer and remittance fees are also discounted.

Differences in application conditions: Generally speaking, banks will approve gold cards for high-quality customers. In addition to meeting the basic requirements for applying for a credit card, people with an annual income of more than 400,000 yuan are more likely to be approved for a gold card. Platinum Card is the card issuer.

As far as ICBC is concerned, the meaning of platinum card is far greater than that of gold card. There are various preferential rates, such as transfer fees and fees for replacing cards without reporting loss. The annual fee is generally around 2,000. The investment limit of a gold card may be larger than that of a platinum card. The advantage is that the annual fee can be paid by 5 purchases or purchases per year. Any amount greater than 5,000 can be reduced.

Which type of CITIC Bank credit card is better?

CITIC UnionPay standard IC credit card; CITIC Bank Q Enjoy Co-branded Card Gold Card; CITIC Bank UnionPay Birkin Card; CITIC Taobao Co-branded Credit Card (V version). These four types of CITIC Bank credit cards have relatively rich benefits and are easy to operate.

1. CreditCard is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit.

2. The form of a credit card is a card with the name of the issuing bank, validity period, number, cardholder name, etc. printed on the front. [1] Consumers who hold credit cards can go to the special commercial service department After shopping or consumption, the bank will settle the payment with the merchant and cardholder. Cardholder can overdraft within the prescribed limit.

3. The earliest credit card appeared at the end of the 19th century. In the 1880s, the British clothing industry developed so-called credit cards, and the tourism and business sectors followed suit. However, the cards at that time could only be used for short-term commercial credit, and the money still had to be paid as and when used. Long-term arrears were not allowed, and there was no credit line. In the 1950s, McNamara, a credit expert in Manhattan, was dining in a restaurant. Since he did not bring enough money, he had to ask his wife to send money over. This made him feel very embarrassed, so he organized the "Diners Club" (English: Diners Club). Members can bring a dining charge card to 27 designated restaurants to record their consumption without having to pay cash. This is the earliest credit card. Franklin National Bank was the first bank to issue a credit card, and other U.S. banks later followed.

It is said that one day, American businessman Frank McNamara was entertaining guests for a meal in a New York hotel. After the meal, he found that he had forgotten his wallet with him. He was deeply embarrassed and had to call his wife to bring it with him. Pay cash at the hotel. So McNamara came up with the idea of ??starting a credit card company. In the spring of 1950, McNamara and his friend Schneider invested US$10,000 to establish the "Diners Club" in New York, the predecessor of Diners Club. Diners Club provides members with a card that can prove their identity and payment ability. Members can use the card to record their purchases.

This kind of credit card that does not require bank processing is still a commercial credit card.

4. Credit card Another way of saying this is that a credit card is a non-cash payment method and is a simple credit service. A credit card is generally a plastic card with a length of 85.60 mm, a width of 53.98 mm, and a thickness of 1 mm. It is issued to the cardholder by the bank or credit card company based on the user's creditworthiness and financial resources. The cardholder does not need to pay cash when using the credit card to make purchases. Make further repayments. Except for some credit cards combined with debit cards, general credit cards are different from debit cards and ATM cards in that credit cards will not directly deduct funds from the user's account. In February 2012, the bank confirmed that credit cards without passwords are more secure, and they share the responsibility for any fraud. Enjoy an interest-free period of 25-56 days (or 20-50 days). Card consumption enjoys an interest-free period, and there will be no fees if you pay off the bill before the due date. There is no interest-free repayment period for cash withdrawals. A daily interest rate of 0.05% will be charged from the day of withdrawal, and the bank will also charge a certain percentage of cash withdrawal fees.

How many types of CITIC Bank Credit Card Platinum Cards are there? How to choose?

Hello:

CITIC Bank credit cards include:

1: CITIC i Platinum Credit Card (no annual fee)

2: CITIC Bank UnionPay Standard Platinum Card

3: CITIC Yueka Platinum Credit Card

4: CITIC Taobao Co-branded Credit Card (V Edition) Platinum Card

5: CITIC QQ Caibei Platinum Credit Card

6: CITIC MasterCard Standard Platinum Credit Card (Dual Currency)

Currently, the CITIC i Platinum Credit Card that has the most applicants and is the easiest to apply for is the CITIC i Platinum Credit Card, which offers double points for online purchases for free. Although the annual fee is a small platinum card, it also comes with the benefits of a general platinum card, which is recommended.

If you need to go abroad, it is recommended to apply for the CITIC MasterCard Standard Platinum Card, because other platinum cards are basically single-currency cards.

CITIC Bank credit card tiers

The card tiers of CITIC Credit Card include regular card, gold card, platinum card, titanium card, world card, unlimited card, etc.

Public card is the lowest level among CITIC Bank credit card levels. The credit limit of credit card is between 0-10,000, usually not higher than 10,000 yuan.

The credit limit of a gold card is slightly higher than that of a regular card. Generally, CITIC Bank will only grant a gold card if the applicant already holds a regular card and has good card usage records. The credit limit is generally 10,000. to 50,000 yuan.

Platinum card is a very high-level card type among the credit cards issued by China CITIC Bank. The approved credit limit is usually between 100,000 and 1 million.

CITIC Bank Titanium Card, World Card, Infinite Card and other levels are special products mainly aimed at high-end users. They can enjoy the supreme services and rights provided by the bank, and the limit is usually higher than that of the Platinum Card.

CHINACITICBANK, formerly known as CITIC Industrial Bank, was founded in 1987 and changed to its current name at the end of 2005. CITIC Bank is one of China's national commercial banks, headquartered in Beijing.

The major shareholder is CITIC Corporation of China. Spanish Bank of Spain (Banco Bilbao Vizcaya Argentaria, S.ABBVA) spent 501 million euros (approximately HK$5.02 billion) to purchase 5% of China CITIC Bank’s equity, and also has the option to increase its shareholding in China CITIC Bank to 10.07%. On April 27, 2007, CITIC Bank was listed on the Shanghai Stock Exchange. CITIC Bank is the seventh largest bank in mainland China, with total assets of more than HK$1.2 trillion, more than 16,000 employees and more than 540 branches. It is one of the six lines and three guarantees for Chinese financial stocks in Hong Kong.

On May 9, 2020, the Consumer Rights Protection Bureau of the China Banking and Insurance Regulatory Commission reported that in March 2020, China CITIC Bank provided personal bank account transaction details to a third party without the customer’s authorization. , violating the principle of confidentiality for depositors. Our bureau will initiate the investigation process in accordance with relevant laws and regulations, and investigate and deal with it strictly in accordance with the law and regulations.

At the end of 1984, with the needs of economic development, Mr. Rong Yiren, chairman of China International Trust and Investment Corporation (referred to as CITIC Corporation), sent a special letter to the central government requesting the establishment of a bank under the CITIC Corporation system to comprehensively operate foreign exchange banking business. . With the approval of the State Council and the People's Bank of China, a banking department will be established first to expand foreign exchange banking business and prepare for the establishment of a bank.

In April 1985, CITIC Corporation established the Banking Department on the basis of the original Finance Department, further expanding comprehensive banking services such as external financing, foreign exchange transactions, loan issuance, international settlement, financial leasing and deposit taking. .

At the end of May 1986, CITIC Corporation applied to the People's Bank of China to reorganize the banking department of CITIC Corporation into CITIC Industrial Bank.

In early 1987, with the approval of the State Council and the People's Bank of China, CITIC Bank was officially established. The head office is located in Beijing.

In April 1987, the People's Bank of China approved CITIC Bank as a state-owned comprehensive bank affiliated with CITIC Corporation. It is a subsidiary of CITIC Corporation and an independent legal person. Registered capital is RMB 800 million. Implement independent operations, independent accounting, and be responsible for profits and losses. Branches can be established at home and abroad to operate approved banking services.

How to check the type of CITIC Bank card?

1. Go to the bank and consult customer service

2. Call 95558 to inquire

CITIC Bank Credit Card Type:

CITIC Bank Southern Fund Co-branded Cap Card

CITIC Bank Golf Platinum Credit Card

CITIC Bank Tuzki Xpress Card

CITIC Bank Magic Platinum MasterCard Card

CITIC Bank I Card (College Student Card)

CITIC Bank Credit Card Regular Card

CITIC Bank STAR Regular Card

CITIC Bank Platinum Premier Credit Card Platinum Card

CITIC Tencent QQ co-branded football gold card

Central Bank Tuzki Star Card

CITIC Bank Credit Card Gold Card

CITIC Bank UnionPay Magic Credit Card

< p>CITIC Bank VISA Magic Platinum Card

CITIC Bank VISA Credit Card Gold Card

CITIC Bank (China) 60th Anniversary Credit Card

CITIC Bank Blue Card

CITIC Bank Platinum Elite Credit Card Platinum Card

CITIC Bank Yibao Payment Charity Co-branded Card Gold Card

CITIC Bank Paipa Card Gold Card

< p>CITIC Bank VISA eLong Travel Credit Card

CITIC Bank Ctrip Business Credit Card

CITIC Bank American Express Credit Card Gold Card

CITIC Bank Paipa Kapu Card< /p>

CITIC Bank VISA Magic Gold Card

CITIC Bank Air China Voicemail Gold Card

CITIC Bank Magic Card

CITIC Bank QQDIY Card< /p>

CITIC Bank Overseas Student Credit Card Gold Card

CITIC Bank Tencent QQ Credit Card

Air China Zhiyin CITIC Bank Credit Card (Black)

CITIC Xiamen Airlines UnionPay standard credit card general card

CITIC Bank UnionPay Prudential Co-branded credit card

CITIC Coca-Cola co-branded credit card

About CITIC Bank credit card types and pictures of CITIC Bank credit card types This is the end of the introduction. I wonder if you found the information you need?