Platinum credit card is a credit card for high-end users, and the approval is strict. Personal annual income should be at least 20w, and sometimes you have to deposit assets in the bank you handle, with a quota of more than 5w.
Platinum card features services mainly in golf, airport VIP, free physical examination, mileage exchange, emergency support services and so on. The service is high enough, and the annual fee can't be saved, ranging from thousands to hundreds.
Credit cards are divided into many grades, from low to high, and there are roughly three grades: ordinary cards, gold cards and platinum cards.
The main differences between platinum credit cards and ordinary credit cards are:
1. Different lines:
The amount of ordinary credit cards is generally lower than that of platinum credit cards. The amount of ordinary credit cards is usually around several thousand yuan, which basically does not exceed 1 10,000, while the amount of platinum credit cards is usually more than 50,000 yuan. Of course, the amount of approval for applicants with different qualifications is different, depending on the final approval result of the bank.
2. Different annual fees:
The annual fee of ordinary credit cards is lower than that of platinum credit cards, and the annual fee of ordinary credit cards is mostly one or two hundred yuan, or dozens of yuan; Many annual fees for platinum credit cards are thousands or even tens of thousands of yuan.
Moreover, many Puka directly waive the annual fee for the first year, and the annual fee for the next year can also be waived; As for platinum cards, many of them are rigid annual fees. Even if it can be reduced or exempted, it can only be redeemed with points. Of course, the details still depend on the bank's regulations. Some platinum credit cards are free of annual fees for life.
3. Different rights and interests:
The benefits of ordinary credit cards are relatively few, while the benefits of platinum credit cards are generally very rich. VIP service can be enjoyed in many places, and the discount of Platinum credit card in many preferential activities is larger than that of ordinary credit card.
The main differences between a gold card and a platinum card are:
1, application conditions
Gold cards are mainly aimed at high-quality people, while platinum cards are only open to high-end users. Compared with the gold card, the application threshold of platinum credit card is much higher. Platinum cards are usually handled by recommendation system and invitation system. Only when certain conditions are met, for example, the annual personal income reaches more than 654.38+10,000, will the bank take the initiative to invite users to handle it.
2. Author's name or source note
The credit line of most gold cards is around 50,000, while that of platinum cards is above 654.38+10,000, and the credit line of diamond platinum card of Minsheng Bank is even as high as 3 million. Because the risk assessment system and main business model of each bank are different, even if you apply for a platinum card, you will get different credit lines.
3. Annual fee rule
Platinum card is much more expensive than gold card because of its high credit card grade. At present, the annual fee of most platinum cards is about 2,000-4,000 yuan, and some special platinum cards even exceed 10,000 yuan. Unlike gold cards, platinum cards launched by many banks do not support direct annual fee reduction, and can only be reduced through consumption and points.
4. Exclusive rights and interests
Due to the different grades of credit cards, cardholders enjoy different rights and interests. Compared with the gold card, the platinum card has a higher quota and greater incentives, and the cardholder can also enjoy unique value-added services, such as counter business priority, the highest hotel configuration, airport VIP room service, golf reservation service and so on.
What is a Platinum Credit Card?
Platinum credit card is a credit card for high-end users, and the approval is strict. Personal annual income should be at least 20w, and sometimes you have to deposit assets in the bank you handle, with a quota of more than 5w. Platinum card features services mainly in golf, airport VIP, free physical examination, mileage exchange, emergency support services and so on. The service is high enough, and the annual fee can't be saved, ranging from thousands to hundreds. Bank VIP service, airport VIP lounge, giving high aviation accident insurance, preferential merchant discounts, free golf in many cities across the country, free car rescue, no need to make an appointment for physical examination in Grade A hospitals, no need to queue up, etc., all standard platinum cards are enjoyed;
The amount of platinum card is much higher than that of ordinary card and gold card, which also shows noble status and indicates that the cardholder is a successful person. Distance of credit limit: the starting point of standard platinum credit card is relatively high, with the starting credit limit above100,000, while the limit of "Little Platinum" is usually only higher than that of gold card, and its starting point is usually between 30,000 and 50,000 according to different qualifications. Annual fee distance: usually, the annual fee of a standard platinum card will be as high as several thousand yuan, but "small platinum" can be offset without annual fee or by credit card and points.
First, the service distance: the advantages mentioned above are usually only aimed at standardizing credit cards, and "Little Platinum" can enjoy few services. Due to the particularity of platinum cards, some banks usually pass many platinum cards if they apply automatically. These banks prefer to send invitations automatically to invite qualified users to upgrade to platinum cards. PlatinumCard: It is aimed at the top people in society, such as business managers and executives. In addition to charging a high annual fee, it will also provide more intimate additional services for the elderly who often travel abroad, such as airport VIP room, free trailer, high accident insurance, golf membership card discount and so on.
Second, the application rules for platinum credit cards are different. Platinum credit card is a high-end card, which requires a lot of materials and high assets. As far as CCB is concerned (the standard platinum card of CCB is relatively easy to apply for), it is necessary to submit a large area of real estate and a large amount of bank deposits in my name. The specific figures of bank customer service are also very vague. If you want to apply for a platinum card, you can try the standard platinum card of Bank of Communications. It is also very favorable for Bank of Communications to apply for one year 18 times without annual fee. Most of them are free of annual fees, which are very expensive. Of course, there are many services provided, such as large insurance, airport VIP room service and so on.
What's the use of platinum credit card?
Platinum cards are used for the following purposes:
First, the amount is high. The minimum consumption limit of platinum credit card is 50,000 yuan, generally 6.5438+10,000 yuan, which can meet the consumer demand.
Second, there are many rights and interests. You can enjoy more intimate and distinguished service. For example, airports, high-speed rail free VIP rooms, and redemption of air miles; Medical registration service; Give away insurance; Redeem points for star-rated hotels; Exclusive customer service, professional financial consultant, health service, up to 50 days interest-free period, etc. Of course, platinum cards are generally used by high-end customers, which requires a high consumption record and a relatively high annual fee.
PlatinumCard is a high-end credit card or savings card jointly launched by bank card organizations and commercial banks. UnionPay card is a bank card jointly launched by China UnionPay and commercial banks. It starts with 62 and has the UnionPay logo on the card surface. UnionPay cards only have the UnionPay logo on the card surface, and there are no other card brand logos, which are usually also called single logo UnionPay cards. UnionPay card is a bank card jointly launched by China UnionPay and commercial banks. It starts with 62 and has the UnionPay logo on the card surface.
UnionPay cards only have the UnionPay logo on the card surface, and there are no other card brand logos, which are usually also called single logo UnionPay cards. UnionPay cards are subdivided into ordinary cards, gold cards, platinum cards and diamond cards according to card level and service authority. Like other UnionPay cards, the UnionPay Platinum Card starts with 62 and has the UnionPay logo on its face. In terms of appearance, the card issuer identification area on the front of the card is printed with the English or English "Platinum Card" product name, or the card surface uses the "Platinum" Platinum Card product identification pattern designed by UnionPay (UnionPay Zunshang Platinum Credit Card uses the PRIORITYPLATINUM pattern).
The main color of the card is usually metallic platinum. In addition to all financial functions, UnionPay Platinum Card also provides a 24-hour exclusive platinum service hotline, online banking service, account change SMS reminder service and counter priority service. In addition, some banks also provide value-added services such as public transportation accident insurance, airport VIP room service, medical care, golf reservation service, and wealth management butler for Platinum Card.
Platinum credit card
As a lean man, Cao Cao once said: "There are not many soldiers, but they are fine! Will you be brave, please! " The same is true of credit cards. No one wants to put a thick stack of credit cards in his wallet. They all want a "good" credit card to replace all other credit cards. Today, I would like to introduce you to a platinum credit card. A credit card can meet all your needs.
Everyone knows that it is difficult to apply for a Platinum Credit Card, but the threshold of this CITIC I Platinum Credit Card I introduced to you today is not that high. Since its release, it has won a lot of reputation and become the "first platinum card for young people". Not only a platinum card, but also a platinum card with points online and offline. Here I give you a detailed introduction to the rights and interests of my platinum card!
The annual fee is 1, i platinum.
Free, ignore the 480 yuan, and you can get rid of it by brushing 12 times a year.
2. First, the commercial interests of platinum companies
Use I Platinum to pay 1 0,000 yuan to book a 2-hour air ticket through the designated channel (refer to the flight delay insurance clause of the designated channel). CITIC's delay insurance is the most honest in China, and there is no one. With the delay insurance, the ticket money can be easily refunded.
3. My Platinum Life Rights and Interests
I The lifetime benefits of Platinum Card are the same as those of other credit cards of CITIC, and the monthly benefits are as follows:
1.3 times 9 share redemption rights and interests
2. Two wonderful 365s (50% discount for designated merchants on Wednesday and Saturday)
Among them, the 9-share exchange between Starbucks Coffee and Wal-Mart Shopping Card is another killer of I Platinum. You only need to swipe the designated transaction 9 times a month in 99 yuan, and you can get the right to share the exchange 3 times in an instant. If it is just needed, it will start in 200 yuan one month (9 shares 30 times, 365 wonderful times). Such rights and interests are relatively kind in domestic credit cards.
Yuan's movie-watching activities will also continue.
4. First, Platinum online shopping rights
CITIC I Platinum Online Pay Double Points! (The maximum monthly bonus is 10000 points, so online payment of more than 5,000 yuan per month is not applicable to I Platinum). What if you pay more than 5000 yuan online a month? If you already have the I Platinum Chipless Edition, please apply for another I Platinum Chip Card, and two cards will give you 100002 points.
The beauty of Platinum I is that this card can cover every corner of life, such as business travel, usual consumption (average consumption = 1 mileage, most transactions have points) and online shopping. For those who don't want to spend too much time worrying about the specific credit card, this is a good card that can be swiped "brainless".
What are the benefits of China Bank Platinum Credit Card?
The Platinum Card of China Bank not only has the basic functions enjoyed by ordinary cards, but also enjoys the services of double points in consumption abroad and permanent validity of trading points.
The above contents are for your reference. Please refer to the actual business regulations.
What are the benefits of BOC Platinum Credit Card?
Bank of China Platinum Credit Card is a platinum credit card specially issued for successful elites. In addition to financial functions such as revolving credit granting and installment payment, China Bank provides exclusive rights such as comprehensive high insurance and consumption abroad multiple points.
The above contents are for your reference. Please refer to the actual business regulations.
This concludes the introduction of Platinum Credit Card and China Merchants Platinum Credit Card. Did you find the information you needed from it?