Credit card, gold card. The difference between a gold card of a credit card and an ordinary card is that the authorized credit limit is different, the gold card limit is higher, and the annual fee is of course high. Points are exchanged for gifts, and the gold card has a certain discount. Gold card is not a VIP card, so you can't enjoy other benefits when you do business. Golden sunflower card is our VIP debit card. If all your personal account assets in the same branch of China Merchants Bank (including local currency time deposits, demand deposits and the sum of the market values of "third-party depository", "bank-enterprise link", entrusted wealth management products and voucher-type government bond accounts) reach RMB 500,000, you can apply for the "Golden Sunflower" card.