1. Appearance design of credit cards

The background color of gold cards is generally golden yellow, which highlights the characteristics of gold cards, while ordinary cards have different colors and have no obvious characteristics;

2. Card opening offers are different

For example: after successful opening of a Ctrip co-branded card, the gold card will give 1,800 Ctrip points, while the regular card will give 800 points; aviation accident insurance gold card The insured amount is 2 million yuan, while the insurance amount for regular cards is 500,000 yuan; the aviation inconvenience insurance for the Air China Zhiyinzhi co-branded card is 1,000 yuan, and the inconvenience insurance for regular cards is 300 yuan.

3. The coverage for lost card protection is different

After a cardholder loses his or her card, the bank will bear the annual fraud limit of 15,000 yuan for a gold card, while the bank will bear a fraud limit of 10,000 yuan for a regular card. Extended information

Bank cards refer to credit payment instruments issued to the society by approved commercial banks (including postal financial institutions) with all or part of the functions of consumer credit, transfer settlement, cash deposits and withdrawals, etc. Bank cards reduce the circulation of cash and checks, allowing banking business to break through the limitations of time and space and undergo fundamental changes. The application of the automatic bank card settlement system has made the dream of a "checkless, cashless society" a reality.

Classification of bank cards

Generally, bank cards are divided into credit cards and debit cards according to whether they grant the cardholder a credit limit. In addition, bank cards can also

be divided into magnetic stripe cards and chip cards according to different information carriers;

2. According to whether the issuer is in the country, they can be divided into domestic cards and overseas cards;

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3. Divided into personal cards and corporate cards according to the issuing objects;

4. Divided into RMB cards, foreign currency cards and dual-currency cards according to the account currency.

Debit cards are divided into transfer cards, special cards and stored-value cards according to different functions. Debit cards cannot be overdrawn. Debit cards have the functions of transferring money, depositing and withdrawing cash, and spending money. A special card is a debit card used in a specific area and for special purposes (referring to purposes other than department stores, restaurants, and entertainment industries). It has the functions of transferring funds, depositing and withdrawing cash. A stored-value card is a prepaid wallet-style debit card in which the bank transfers funds to the card for storage at the request of the cardholder and directly deducts funds from the card during transactions.

Debit card (debit card) can be used for consumption online or at POS, or transfer and withdrawal through ATM. Overdraft is not allowed, and interest is calculated on the amount in the card based on current deposits. Funds are withdrawn directly from the savings account when spending or withdrawing money. Debit cards generally require a password (PIN) when used. Debit cards can be divided into ordinary cards, gold cards and platinum cards according to their levels; they can be divided into domestic cards and international cards according to their scope of use. Reference materials

Bank card_Baidu Encyclopedia