Credit cards are divided into many grades, from low to high, generally including ordinary cards, gold cards and platinum cards. The differences between platinum credit cards and ordinary credit cards are mainly:

1. Different lines:

The amount of ordinary credit cards is generally lower than that of platinum credit cards. The amount of ordinary credit cards is usually around several thousand yuan, which basically does not exceed 1 10,000, while the amount of platinum credit cards is usually more than 50,000 yuan. Of course, the amount of approval for applicants with different qualifications is different, depending on the final approval result of the bank.

2. Different annual fees:

The annual fee of ordinary credit cards is lower than that of platinum credit cards, and the annual fee of ordinary credit cards is mostly one or two hundred yuan, or dozens of yuan; Many annual fees for platinum credit cards are thousands or even tens of thousands of yuan.

Moreover, many Puka directly waive the annual fee for the first year, and the annual fee for the next year can also be waived; As for platinum cards, many of them are rigid annual fees. Even if it can be reduced or exempted, it can only be redeemed with points. Of course, the details still depend on the bank's regulations. Some platinum credit cards are free of annual fees for life.

3. Different rights and interests:

The benefits of ordinary credit cards are relatively few, while the benefits of platinum credit cards are generally very rich. VIP service can be enjoyed in many places, and the discount of Platinum credit card in many preferential activities is larger than that of ordinary credit card.