Credit cards are one of the main tools used for overdraft consumption in our life, and credit cards are divided into general cards, gold cards, platinum cards, diamond cards and other grades according to different card grades. So, what's the difference between a gold card and a platinum card? Let's take a look at it together!

what's the difference between a gold card and a platinum card?

1. Different card faces

Gold cards are generally dominated by gold, while platinum cards are generally silvery white. Because the level of platinum card is higher than that of gold card, the whole card will look more textured.

2. Different application conditions

If the threshold of gold card is lower than that of platinum card, high-quality users can apply for gold card, while the assets of platinum card applicants must meet certain requirements in the bank before they can be invited or recommended by the bank.

3, the amount is different

The amount of gold cards is usually 1,-5, yuan, while the amount of platinum cards is usually more than 5, yuan. The specific amount is determined according to the applicant's comprehensive personal qualifications.

4. Different rights and interests

Platinum cards have more rights and interests, and they can enjoy many special services in daily consumption, such as medical examination, expenses and other rights and interests; However, gold cards generally only enjoy a partial fee discount, and cannot directly enjoy special services.

5. Different annual fees

Gold cards are usually free of annual fees in the first year, and then you can enjoy the annual fee reduction and exemption for the next year after you swipe your card for a certain number of times each year; The annual fee of platinum cards is higher than that of gold cards. Some platinum cards can also be exempted from the annual fee by swiping their cards, but the conditions are higher than those of gold cards, and some platinum cards are rigidly charged and do not support the exemption.

6. Different value-added services

Gold cards usually have no value-added services, while platinum cards have more value-added services. Cardholders can enjoy the VIP room service of the airport high-speed rail, aircraft delay insurance and so on.