Platinum Card The Platinum Card of Guangfa Credit Card has the highest limit. Guangfa credit cards are generally divided into several main levels: regular card, gold card, and platinum card. The higher the level, the higher the limit range will be. The starting limit for new customers applying for a regular card from China Guangfa Bank is a minimum of RMB 3,000 and a maximum of RMB 50,000. The gold card limit starts from RMB 10,000 and the maximum is not more than RMB 100,000