The difference is quite big, as follows.

The main differences between platinum and gold cards:

The limit of platinum credit card is higher than that of gold card;

Platinum credit card has more preferential activities;

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The annual fee of the Platinum Card is definitely higher than that of the Gold Card;

The points discount of the Platinum Card is better than that of the Gold Card.

Generally speaking, the quota will be higher, which will be more convenient during life.