The two credit cards are not at the same level at all, so it is difficult to compare them. From the annual fee, we can see the difference of their services:

The annual fee of China Merchants Bank Classic Platinum Credit Card is RMB36 per main card and RMB2 per supplementary card; Annual fee of China Merchants Bank Exquisite Platinum Credit Card: RMB8 yuan for the main card and RMB3 yuan for the supplementary card; Annual fee of China Merchants Bank UnionPay Platinum Credit Card: RMB8 yuan for the main card and RMB3 yuan for the supplementary card.

The annual gold card fee of Ping An Ctrip Business Travel Credit Card only needs the main card 3 yuan and the supplementary card 15 yuan.

the main functions of the two credit cards are different, depending on your real consumption demand.