The sum of the average daily personal financial assets and a certain proportion of personal loan balance for three consecutive months when the Postal Savings Bank applied for a gold card is between 654.38+10,000 yuan (inclusive) and 500,000 yuan (exclusive) or equivalent foreign currency. If the user has opened an account for less than three months, the average daily financial assets and loans for three months will be calculated by dividing the natural days rolled three months (including the current month) before the rating month. As long as users meet the above conditions, they can apply for a gold card at any branch of the Postal Savings Bank of China.

Postal savings credit card gold card not only has services such as revolving credit, installment consumption, cash advance and password selection. It also has many special services, such as air ticket hotel reservation, supplementary card quota adjustment, 48-hour card loss guarantee, free transaction reminder, high cash advance, double birthday points, wonderful gift exchange and so on. It is a credit card that truly meets international standards, so that cardholders can enjoy the convenience and benefits of "spending first and then repaying" at home and abroad.

I. Special functions

1, real-time transaction reminder-as long as there is a transaction in your account, you can receive a transaction SMS reminder from the Postal Savings Bank for free.

2.50% withdrawal ratio-Gold card holders can enjoy a maximum withdrawal ratio of 50%.

3. Exclusive gift exchange-Postal Savings Bank provides exclusive gold card gift exchange for gold card holders. Gifts are high-grade, diverse, exquisite and practical.

4. Birthday double points-1 yuan 1 points, permanently valid, birthday double points.

5. Enjoy VIP service-Gold card holders of Postal Savings Credit Card can enjoy priority queuing service when handling business at the customer service hotline of Postal Savings Bank.

6. Emergency quota adjustment-When the customer has an emergency quota demand and meets the conditions for temporary quota adjustment of the Postal Savings Bank, the temporary quota adjustment can be realized within 24 hours.

7. Credit limit control of secondary card-you can freely set the credit limit of secondary card, which can be shared with the main card or set according to a certain proportion or amount of the credit limit of the main card.

Second, the cost

1, real-time transaction reminder-as long as there is a transaction in your account, you can receive a transaction SMS reminder from the Postal Savings Bank for free.

2.50% withdrawal ratio-Gold card holders can enjoy a maximum withdrawal ratio of 50%.

3. Exclusive gift exchange-Postal Savings Bank provides exclusive gold card gift exchange for gold card holders. Gifts are high-grade, diverse, exquisite and practical.

4. Birthday double points-1 yuan 1 points, permanently valid, birthday double points.

5. Enjoy VIP service-Gold card holders of Postal Savings Credit Card can enjoy priority queuing service when handling business at the customer service hotline of Postal Savings Bank.

6. Emergency quota adjustment-When the customer has an emergency quota demand and meets the conditions for temporary quota adjustment of the Postal Savings Bank, the temporary quota adjustment can be realized within 24 hours.

7. Credit limit control of secondary card-you can freely set the credit limit of secondary card, which can be shared with the main card or set according to a certain proportion or amount of the credit limit of the main card.

Third, value-added services.

1. Online display of new and old domestic special stamp products. You only need to call the credit card customer service hotline of the Postal Savings Bank, put forward the ordering demand, and provide you with the reservation service wholeheartedly;

2. Apply for other credit products of the Postal Savings Bank, you can enjoy priority and quality services, and there are more exclusive products waiting for you;

3. On the birthday of the cardholder of the primary card, both the primary card and the secondary card can enjoy double points;

4. You can enjoy priority queuing service when handling business at the credit card customer service hotline of Postal Savings Bank, saving your time.