Most platinum cards are divided into elite and premium versions. The corresponding annual fees are 480 yuan and 2,000 yuan. The annual fee is rigidly charged in the first year, and points can be redeemed starting from the next year (except for some cards).

The main difference is in terms of services: the elite version enjoys platinum personal service, aviation accident insurance up to 15 million and other services, while the premium version enjoys services such as free golf, airport VIP, car rescue and other services. If you fly a lot and like to play golf, you might as well apply for a platinum card with an annual fee of 2,000 yuan.

CITIC Bank, formerly known as CITIC Industrial Bank, was founded in 1987 and changed to its current name at the end of 2005. CITIC Bank is one of China's national commercial banks, headquartered in Beijing, and its main shareholder is CITIC Limited. Spanish Bank of Spain (Banco Bilbao Vizcaya Argentaria, S.ABBVA) spent 501 million euros (approximately HK$5.02 billion) to purchase the equity of CITIC Bank 5, and also had the option to increase its shareholding ratio in CITIC Bank to 10.07. On April 27, 2007, CITIC The bank is listed on the Shanghai Stock Exchange. CITIC Bank is the seventh largest bank in mainland China, with total assets of more than HK$1.2 trillion, more than 16,000 employees and more than 540 branches. It is one of the six lines and three guarantees for Chinese financial stocks in Hong Kong.

Advantages of CITIC Credit Card:

1. Proficient in banking business and good service, with 24-hour service. CITIC Credit Card also has "unlimited secretaries" dedicated services to meet personalized needs.

2. CITIC Credit Card has many activities. Brand activities such as gourmet food, half-price discounts, and movies for 9 yuan are often held from time to time.

3. CITIC Bank has many varieties of credit cards, with various themes and series, so there is always one that suits you.

4. The review time and mailing speed are relatively fast. The time from processing to getting the card is relatively short and the work efficiency is relatively high.

5. The threshold for applying for a CITIC credit card is relatively low. Nowadays, major banks are vigorously developing credit card business, and CITIC is no exception. The threshold for some CITIC credit cards is not very high, as long as the basic application conditions are met. , it will be easier to apply

Disadvantages of CITIC Credit Card:

1. CITIC Bank has relatively few branches, which is not very convenient.

2. There are many similar activities, held all year round, and there is nothing new.

3. The installment fee is relatively high, although there are sometimes discounts.