1, agricultural gold card debit card discount: 20% off-site cash withdrawal in our province, 50% off-site deposit in our province, 20% off-site withdrawal in our province, 50% off-site deposit in our province, 50% off online banking, 50% off online banking KBao fee, and gold card is free of annual fee. You can take the VIP channel to handle banking business. 2. When an ordinary card is upgraded to a gold card, you need to open a new card. Customers who apply for a daily average financial asset or investment financial product of RMB 654.38+10,000 (inclusive) in one quarter, that is to say, you can apply for a new card and deposit RMB 654.38+10,000, and you can apply for gold card exchange in about three months. If you have other specific questions, I suggest you call the customer service staff of the bank, hoping to help you.