1. Application conditions

The gold card is mainly for high-quality people, while the platinum card is only for high-end users. Compared with gold cards, the application threshold for platinum credit cards is much higher. Applying for a platinum card usually uses a recommendation system and an invitation system. Only when certain conditions are met, banks will actively invite users to apply. Generally speaking, banks will issue gold cards to high-quality customers. In addition to meeting the basic requirements for applying for a credit card, people with an annual income of more than 400,000 yuan are more likely to obtain a gold card. Credit card overdrafts have serious disadvantages. It is recommended not to invest in bank cards casually.

The platinum card is a credit card launched by the card issuer to distinguish it from gold card customers and provide higher-end services and benefits than the gold card. Usually, banks will actively invite qualified customers to apply for platinum cards, and platinum card customers can enjoy platinum customer service hotline services and exclusive value-added services.

2. Author's name or source note

Credit card limit refers to the bank's credit card limit, which is generally between 10,000 yuan and 50,000 yuan based on the asset status and credit status of the cardholder. The credit limit of the platinum card exceeds 100,000 yuan, and the credit limit of the Minsheng Bank DIA platinum card is even as high as 3 million yuan. Since each bank's risk control assessment system and main business model are different, even if you apply for a platinum card, you will get a different credit limit.

3. Annual fee rules

The annual fee of the credit card gold card will be lower than that of the platinum card, and the annual fee of the free discount gold card will be lower than that of the platinum card. In addition, many platinum cards launched by banks do not have discounts on annual fees. The platinum card has a higher credit card tier, so the annual fee is much more expensive than the gold card. At present, the annual fee of most platinum cards is around 2,000-4,000 yuan, and the annual fee of some platinum cards even exceeds 10,000 yuan. Unlike gold cards, many platinum cards launched by banks do not support direct annual fee reductions and can only be reduced through consumption and points.

Public card:

Public card is the lowest credit card issued by the card issuer. You can apply for it with proof of identity and employment. If you are applying for a credit card for the first time or if you are not very financially strong, you can try to apply for a regular card first. This type of card basically has no annual fee, or you can waive the annual fee if you swipe it enough times. The limit is generally less than 10,000 yuan.

Gold Card:

To apply for a Gold Card, in addition to meeting the basic requirements for applying for a credit card, you also need to provide certain proof of assets. The approval of the Gold Card is relatively stricter than that of the Regular Card, and the discounts and benefits enjoyed by the Gold Card will be better than those of the Regular Card. The limit is generally between 10,000 and 50,000. At the same time, the annual fee is higher than that of regular cards, but there is also a chance to waive the annual fee!

Platinum Card:

Platinum Card is a credit card that mainly serves high-end users and has strict approval requirements. , the personal annual income is required to be at least 200,000, and sometimes it is necessary to deposit enough assets in the card issuing bank to be able to handle it.

The special services of this card are concentrated in golf, airport VIP, free physical examination, mileage redemption, emergency support services, etc. Because of the high-end services, the annual fee can range from a few thousand to a few hundred. In addition, various banks have issued a lot of small platinum indiscriminately, which is also called "fake platinum". For example, CITIC’s i Platinum, GF’s Premium Platinum, etc. The platinum card basically waives the annual fee in the first year. In the second year, you need to swipe the card or redeem points. Please ask the customer service of each company for details.

Diamond Card:

Diamond Card is a high-end credit card or savings card jointly launched by bank card organizations and commercial banks and other institutions. It is a higher level than the platinum card and has higher requirements for the status of the card holder. Only successful people can apply for it. Therefore, the diamond card has a higher limit and can highlight the distinguished status of the cardholder. The cardholder is required to have an income of more than one million, and the limit is also in the million level.

Black card:

A black card is an unlimited card and does not have a "credit limit". Because the unlimited cards issued by various banking organizations are almost all black, they are generally referred to as 'black cards' or 'black gold cards'. Some people say that only by owning this kind of black card can the card owner's "noble status" be fully demonstrated.

Someone once asked the person in charge of Citibank, if a black card owner wants to use the card to buy a plane, can it? The answer is: No problem!

Not everyone can have this card, and applications are not accepted. Cards will only be issued if actively invited by the bank. Currently, only two domestic banks have black cards, China Merchants Bank and ICBC. It is reported that American Express’s black card cardholders are very few top customers. The high annual fee (about 10,000 yuan) has become an unimportant factor.

Titanium Card:

The grade of Titanium Card is actually determined by the bank itself. For example, Everbright Bank's Titanium Card is between the Gold Card and the Platinum Card. Some banks will call it Little Platinum, while others will call it Titanium Card. In fact, they are all the same, just with different names!

The titanium card can be a dual-currency card or a UnionPay card, it depends on how the bank wants to define it. As for the limit of the Titanium Card, it is naturally the bank that has the final say.