1. The application conditions are different. Compared with gold cards, the application threshold of platinum credit cards is much higher. Generally, the recommendation system and invitation system are adopted for platinum cards. Only when certain requirements are met, such as personal annual income of more than 1,, will banks take the initiative to invite users to apply.

2. The credit line is different. Many gold cards have credit lines of around 5,, while platinum cards have credit lines of over 1, or even higher. Because the risk assessment system and main business model of each bank are different, even if you apply for a platinum card, you will have different credit lines.