1. Annual fees are different: Platinum credit cards generally have annual fees of around a few hundred to several thousand yuan, while ordinary credit cards have annual fees of around a hundred yuan, and many of them are free of annual fees. 2. Different application conditions: The application conditions for platinum credit cards are much higher than those for ordinary credit cards. 3. Different rights and interests: Platinum credit cards have more rights, and you can enjoy VIP services in many places. The discounts of platinum credit cards in many preferential activities are also larger than those of ordinary credit cards, while ordinary credit cards have fewer rights.

Platinum card is a high-end credit card or savings card jointly launched by bank card organizations and commercial banks and other institutions. UnionPay card is a bank card jointly launched by China UnionPay and commercial banks and other institutions. The card number starts with 62 and has the UnionPay logo on the card surface. UnionPay cards only have the UnionPay logo on the card surface and no other card brand logos. They are also often called single-logo UnionPay cards.

UnionPay cards are subdivided into four categories: ordinary cards, gold cards, platinum cards and diamond cards based on card levels and service benefits. Like other UnionPay cards, the UnionPay Platinum Card has a card number starting with 62 and a UnionPay logo on the card face.

In terms of appearance characteristics, the card issuer identification area on the front of the card is printed with the "Platinum Card" product name in English or English and local common text, or the "Platinum" uniformly designed by UnionPay is used on the card surface. Platinum card product identification pattern. The base color of the card is usually metallic white gold.