Generally speaking, the application requirements for gold cards are higher than those for regular cards. In addition, in terms of credit limit, the credit limit of a gold card is usually higher than that of a regular card (the maximum credit limit of a gold card is RMB 50,000; the maximum credit limit of a regular card is RMB 10,000). Except for the annual fee (gold card is RMB 300 per card per year, and standard card is RMB 100 per year), the usage methods are the same.
In addition, the gold card symbolizes dignity and glory and demonstrates status. Gold card holders can enjoy more card swiping benefits and conveniences. For example, overseas, free emergency replacement cards and other services are provided for gold card holders
Other differences are:
1. In terms of quota, the upper limit of gold card is 50,000, and the limit of ordinary card is 50,000. Cards start at 10,000 yuan;
2. The annual fee for the gold card is 300 yuan, but it can be waived by swiping the card 6 times; the annual fee for the regular card is 50 yuan, and it can be waived by swiping the card 6 times;
3. In terms of discounts, gold cards enjoy higher discounts than regular cards at general special merchants. For example, regular cards offer a 10% discount, while gold cards may offer a 20% discount;
4. Gold cards also offer Provide some additional discounts. This depends on the specific discounts of China Merchants Bank. Anyway, the discounts are definitely more than those of regular cards.
For specific functional differences and preferential differences, it is recommended to consult the relevant staff at China Merchants Bank.
China Merchants Bank was established in Shekou, Shenzhen in 1987. It is the first joint-stock commercial bank in China that is completely owned by corporate legal persons. It is also the fifth largest bank in mainland China by market capitalization and the largest bank in Hong Kong. One of the eight elements and five guarantees of financial stocks.
The head office of China Merchants Bank is located in Futian District, Shenzhen City. On April 9, 2002, China Merchants Bank A shares were listed on the Shanghai Stock Exchange. On September 8, 2006, China Merchants Bank began a public offering in Hong Kong, issuing approximately 2.2 billion H shares, raising HK$20 billion, and was listed on the Hong Kong Stock Exchange on September 22. Net capital exceeds 290 billion and total assets exceed 4.4 trillion. As of the first half of 2017, China Merchants Bank has more than 1,800 branches at home and abroad, has established service outlets in more than 130 cities in mainland China, has 5 overseas branches and 3 overseas representative offices, and employs more than 70,000 people. In addition, China Merchants Bank also wholly owns China Merchants Bank Financial Leasing Co., Ltd., holds a controlling stake in China Merchants Fund Management Co., Ltd., holds a 50% stake in China Merchants Cigna Life Insurance Co., Ltd., and a 50% stake in China Merchants United Consumer Finance Company; it wholly owns Wing Lung in Hong Kong Bank Limited and CMB International Financial Holdings Limited.
China Merchants Bank’s development goal is to become China’s leading retail bank. The all-in-one bank card was launched in July 1995, and China's first online banking all-in-one was launched in September 1999. It has become a widely used online payment tool for many enterprises and e-commerce websites, and has promoted the development of e-commerce in China to a certain extent. ?On April 2, 2015, China Merchants Group Co., Ltd. planned a major event. In order to ensure fair information disclosure, protect the interests of investors, and avoid abnormal fluctuations in the company’s stock price, upon the company’s application, the company’s stocks will be open for trading on April 3, 2015. Start and stop trading. In August 2016, China Merchants Bank ranked 39th among the "Top 500 Chinese Enterprises 2016". The 2016 Fortune 500 list was officially released. China Merchants Bank has been on the list for five consecutive years, ranking 189th.
Reference: Baidu Encyclopedia-China Merchants Bank