1. Different merchant discounts
Because the card levels are different, the credit card discounts you can enjoy will also be different. Generally, the gold card of a credit card can enjoy a higher discount at preferential merchants; while the regular card can enjoy a slightly lower discount. Like a series of cards, at the same merchant, the gold card enjoys a 20% discount and the regular card enjoys a 10% discount. discount.
2. Credit card points accumulation is different
For example, a certain bank stipulates that 1 point can be earned by spending RMB 1 or HKD 1 with a regular credit card. RMB1/HKD1=1 point for consumption. Or withdraw cash, you can earn USD1 = 8 points for 1 US dollar; you can earn 2 points by using gold card to spend or withdraw 1 RMB or HKD 1, RMB1/HKD2 = 2 points. You can earn 16 points when you spend or withdraw 1 US dollar or 1 euro. USD 1 yuan or 1 euro = 16 points.
3. Different credit limits
The difference between Minsheng Bank’s gold credit card and ordinary card is very different in the credit limit. The credit limit of ordinary credit card is generally 3,000 yuan to 10,000 yuan. Yuan, and the credit limit of a credit card gold card is usually between 10,000 yuan and 50,000 yuan, and the gold card is much higher than the ordinary card.
Extended information:
1. Application conditions for Minsheng Bank Gold Card
1. Those who have a job and their employer pays social security. Just show your ID card.
2. If the social security is paid by the human resources company on behalf of the unit, you can apply for it with your ID card, work card or business card or work certificate.
3. If you have a job and a car (it must be a first-hand car, the registration date and the issuance date on the driving license must be the same day), you can apply with your ID card and driving license.
4. Public institutions, civil servants, public institutions, hospitals, schools, etc. only need to provide ID cards and work badges to apply.
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2. Documents required to apply for Minsheng Bank Gold Card
1. Identity documents of the supplementary card applicant (such as ID card, military officer's card, pass or passport, etc.).
2. Documents proving residence (such as utility bills, bank/securities/insurance/fund statements, mobile phone bills, household register, driver's license, real estate, etc. for any month within the last two months) Certificate, rental contract or social security card—must be in your name).
3. Please provide any one of the following five income certificates
1. Payslip for any month within the last three months (if the payslip does not show the name of the unit, Please provide original payslips).
2. Bank statement/bank book showing the sponsor’s name and income in any month within the last three consecutive months.
3. The monthly statement or account details list of Bank of Communications automatic salary transfer for any month in the last three months showing the name of the applicant.
4. A salary certificate issued in the name of the company and showing the name of the applicant (the name of the employer should be shown on the letterhead or at the end of the letter and stamped with the official seal of the company).
China Minsheng Bank Credit Card Official Website-Jinpu Card Card Use Guide?
Baidu Encyclopedia-Minsheng Bank Credit Card