Card grades are generally divided into four categories: Puka, Gold Card, Platinum Card and Diamond Card. Puka: It's a basic payment product. The card face color will not use gold, platinum or black. There is generally no annual fee. Gold card: It is a relatively high-end product in bank cards. The primary color of a gold card is generally metallic yellow. Gold will be printed in the upper right corner of the card. The general annual fee can be offset by the number of consumption pens. At present, all gold cards and below of Shanghai Pudong Development Bank are free of annual fees. Platinum card: a high-end card with more value-added services than gold card. Common services include airport, golf, road rescue and appointment registration. Platinum cards generally use metal platinum as the basic color of the card, and English platinum is printed on the card. Generally, the annual fee cannot be reduced. Some platinum cards can reduce the annual fee by spending more than the amount, but some value-added services such as golf will be cancelled accordingly. Diamond Card: It is the highest-level bank card, which can provide top-level value-added services for cardholders. For example, VIP boarding at the airport, upgrading of high-end hotel accommodation, free physical examination, personal butler and other distinguished services. Generally, metallic black is used as the primary color of the card surface, and diamond elements are embedded in the card surface design. The annual fee is not deductible, ranging from several thousand yuan to tens of thousands of yuan.