Platinum card savings card products require users' assets to reach a certain standard before they can be processed. If you become a platinum card savings card customer, you can enjoy the VIP service of the bank.
1. What's the difference between a platinum card and a gold card?
1, different application conditions
The application conditions for the gold card are that the applicant 18 years old, has a stable job and income, has good personal credit, and it is easier to get a gold card with an annual income of more than 400,000 yuan.
Platinum card can't be applied directly. Generally, banks invite qualified customers to apply for platinum cards. Platinum card customers can enjoy platinum customer service hotline service and premium value-added services, providing higher-end services and rights than gold cards. Generally speaking, the application standard of bank platinum credit card is mostly financial proof with annual salary of more than 6,543,800 yuan or more than 500,000 yuan.
2. The number of approvals is different.
The gold card amount is generally 10000 yuan to 50000 yuan; Platinum card 65438+ 10,000 even 500,000.
3. The annual fee is different
The annual fee of platinum card is higher than that of gold card, which is higher than that of ordinary card.
4. Enjoy different preferential services.
Platinum cards can enjoy higher discounts than gold cards in preferential merchants, and platinum cards can enjoy many value-added services provided by banks. For example: airport VIP room, free golf, banks do not have to wait in line.
2. What are the application conditions for the Platinum Card?
Every bank has different conditions for applying for a platinum card. Here is a brief introduction to the application requirements for platinum cards of major banks:
1. China guangfa bank: its annual income is more than 1.5 million, and it has assets such as real estate and vehicles under its name. It supports online application for platinum card.
2. CITIC Bank: It requires income flow, deposit certificate, property certificate and vehicle certificate, and supports online application for Platinum Card.
3. Minsheng Bank: Middle-level managers with an annual income of more than 200,000, employees of provincial units, local top 50 enterprises or local high-quality enterprises. If you want to apply for a card by card, you need to hold a credit card with a limit of more than 50 thousand (inclusive) from other banks, and you can apply for a platinum card if you hold the card for more than half a year.
4. Shanghai Pudong Development Bank: All assets under the personal name of Shanghai Pudong Development Bank reached an average daily value of 300,000 yuan during the one-month audit period.
5. Industrial and Commercial Bank of China: The cardholder's annual consumption reaches 654.38+10,000 yuan, and the number of consumption transactions reaches 24, or he holds another bank's platinum credit card with an average daily deposit of 500,000 yuan (inclusive) or personal deposit of 1 10,000 yuan.
6. China Construction Bank: Personal annual income is over 300,000.
7. Agricultural Bank: Please get off the card for customers with annual income of 500,000 yuan or direct VIP.