1, the concept is different: black card is the highest level credit card issued by banks, also called diamond card. It is a top credit card that provides high amount, excellent service and special rights. The black gold card is also the highest-level credit card issued by banks, also known as the diamond card. However, compared with the black card, the black gold card will be more customized in terms of special services and rights, providing more comprehensive top honors and global rights.

2. Different issuance methods: Black cards are issued by the banking system based on the comprehensive evaluation of the cardholder's consumption habits and credit status. The bank will decide whether to grant the black card qualification according to the credit status and spending power of the cardholder. Black gold cards are provided by banks to specific customers by invitation based on their high spending power, high-quality credit records or other special conditions.

2, the annual fee is different: the annual fee of the black card is higher, between tens of thousands or even hundreds of thousands of yuan. This is because black cards provide high-quota, high-quality services and special rights, and it is necessary to pay a higher annual fee to cover these extra service costs. The annual fee for black and gold cards is several thousand yuan, which is relatively low. The black gold card also provides some special services and rights, but compared with the black card, the lower annual fee is a remarkable feature.