The difference between gold credit card and ordinary credit card 1: the appearance design of the credit card. The background color of gold cards is generally golden yellow, which highlights the characteristics of gold cards: ordinary cards have different colors and have no obvious characteristics, and generally do not use gold as the base color.

Difference 2 between gold credit card and regular credit card: discounts from preferential merchants are different. Because the card levels are different, the credit card benefits 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.

The third difference between credit card gold card and ordinary card: the accumulation of credit card points is different. For example, a bank stipulates that if you use a regular credit card to spend or withdraw RMB 1 or HKD 1, you can earn 1 point. RMB1/HKD1 = 1 point. For spending or withdrawing cash, you can earn USD 1 = 8 points for 1 US dollar. If you use a gold card to spend or withdraw RMB 1, you can earn 1 point. 1 yuan or HKD can earn 2 points, 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.

The fourth difference between credit cards, gold cards and regular cards: the coverage for lost cards is different. Many banks have launched credit card loss protection services, but the coverage for gold cards and ordinary cards is different. After the cardholder loses the card, the bank will bear an annual fraud limit of 15,000 yuan for a gold card and 10,000 yuan for a regular card.