There are significant differences in functions and benefits between CITIC Bank’s Platinum Card and Gold Card. First, let’s take a look at the main differences between the two:

The main advantage of the gold card is the withdrawal from ATMs across banks in the same city. When the balance in the card reaches 50,000 yuan or more, the withdrawal fee is waived. For this amount, the standard fee is 2 yuan per transaction, and the first two transactions per month are free. When the withdrawal occurs in a different city or is settled through a central line, it will be regarded as a cross-border payment, and the fees may increase.

In contrast, the Platinum Card provides more comprehensive conveniences. Online banking inter-bank and off-site withdrawals are all free of charge, and even airport VIP boarding services are included, but the premise is that the assets in your card must reach 500,000 yuan. In addition, platinum cards usually enjoy higher limits and more exclusive services. For example, the annual fee can be waived by swiping the card six times a year, while gold cards do not have these additional services.

CITIC Bank, as China's national commercial bank, focuses on serving the public. Credit card products such as CITIC Bank Credit Card provide consumers with convenient payment methods, especially for international consumption. However, you also need to pay attention to developing good consumption habits when using it, avoid overuse, and ensure repayment on time to maintain personal credit. An annual fee will be charged after the Platinum Card is upgraded, which cannot be offset with points. The annual fee will take effect immediately after the upgrade.

In general, there are significant differences between CITIC Bank’s Platinum Card and Gold Card in terms of fees, services and limits. Which one to choose depends on the needs and consumption habits of the cardholder.