There is no difference in essence, and everyone can overdraw a certain amount of funds.

Platinum card can only be applied if you have a good card, and the overdraft limit is generally high, so you can enjoy various preferential services, such as one year 10 free drunk driving service. Of course, high service is also required, with an annual fee of 2,000 yuan, and cardholders are required to swipe their cards for more than 300,000 yuan in one year to avoid the annual fee.

The maximum overdraft limit for a standard card is 50,000. Generally, you can avoid the annual fee by swiping your card six times a year. You can only enjoy the general service.

Specific can see the provisions of the Bank of Communications.