there is no difference between China merchants bank's standard unionpay credit card and unionpay "he" credit card, but only the difference in the theme of the card. Credit cards can be consumed in any way, and there is no specific ownership. China Merchants Bank swipes cards at preferential merchants in various places. The difference mainly lies in the different discount ranges of Puka, Gold Card and Platinum Card (for example, 2% discount on Puka, Gold Card and 3% discount on Platinum Card, etc.). As for which card is Puka or Gold Card, there is no difference at this point.

similarly, in terms of staging, it doesn't matter how the card type is, mainly depending on the amount of credit you have been approved, and you can stage it within the credit limit.

China Merchants Bank Unlimited Card is a high-end product in the credit card brand. It does not accept self-application, and it is generally handled by invitation of China Merchants Bank. Compared with other credit card types of China Merchants Bank, it is mainly reflected in the high quota and provides some value-added services (such as golf, airport VIP room service, car rental, etc.)

These three cards are all suitable for eating, drinking and shopping. Only if you apply for the first time, you can apply for the standard UnionPay credit card and UnionPay "He" credit card by yourself, but you can't apply for an unlimited card.