1, Puka: Puka needs an income level of less than 5,000 yuan, and users with a monthly income of more than 2,000 yuan can apply for a credit card. As long as their credit records are good and their jobs are stable, they can be properly handled.

2. Gold card: The income requirement of gold card is higher, and the income level is about 5000- 10000. Generally, you can apply for a gold card with a monthly income of 5000. In China, however, there is no substantial difference between the Gold Card and the Puka Card, and the amount of the Gold Card is slightly higher than that of the Puka Card.

3. Note: Some banks will apply for free upgrade for some customers, but after applying for upgrading to a gold card, the annual fee for the first year of the gold card will not be exempted, so it is not necessary.