Among the credit card types of Bank of Communications, there are obvious differences between black card and gold card. First of all, the black card, also known as the Ward card, is the bank's top VIP card. It has higher asset requirements and needs to reach a threshold of 500,000 yuan. In contrast, the gold card has a lower entry threshold, requiring only assets of 50,000 yuan. Ward Black Card holders can enjoy a series of advanced services, reflecting their unique and distinguished status.

Ward black cards are divided into two types. The first is the Y-power credit card (campus version) specially designed for school students. The credit limit and credit limit of this card can reach 10,000 yuan. The special feature is that the cardholder can waive the annual fee while in school. Another type of Y-power credit card has more comprehensive functions, including installment repayment, cash withdrawal and loan services, and is even more flexible and convenient.

For the gold card, Bank of Communications offers two different options. Standard Platinum Card holders can enjoy specific benefits, while Premium Platinum Card focuses more on providing a series of superior services. These two gold cards have different focuses to meet the needs of different customers.

For specific rights and interests, such as preferential services and privileges, you can refer to the Bank of Communications Pay Bar APP, where you will find detailed information for your review. In general, the difference between black card and gold card lies in the service level, access threshold and benefits provided. Which one you choose depends on your asset status and demand preferences.