① Different asset requirements: you can apply for a gold card when the average daily total assets reached RMB50,000 (inclusive) last month;

② gold card window: the gold card has a special gold card window on the counter;

③ Exclusive financial management: Gold card has exclusive financial products and a low-counter financial manager. The application requirements of credit card gold card are higher than those of ordinary card (including job stability, income and other financial conditions, etc.). ). In terms of credit limit, under normal circumstances, the credit limit of a gold card is also higher than that of a general card (the maximum credit limit of a gold card is 50,000 yuan; The maximum amount of Puka is ￥ 6,543.8+0,000 yuan). Except the annual fee (300 yuan per card per year for gold card and RMB 100 per card per year for Puka), the use method is the same. In addition, the gold card symbolizes honor and shows identity. Gold card holders can enjoy more credit card benefits and conveniences.

The difference between China Merchants Bank credit card gold card and ordinary card is the most intuitive (the card is different)

The gold card of China Merchants Bank is more conspicuous. Generally, in order to highlight the difference, gold is the main color element of cards, while most of Puka cards are mainly yellow. So it is obvious in daily use.

The difference between China Merchants Bank credit card gold card and ordinary card is the most direct (the annual fee is different)

According to different grades, the annual fee of China Merchants Bank Credit Card Gold Card is in 300 yuan, while the annual fee of Puka Card is only 150 yuan, which is also commonly known as "you have to pay for it". Even if the fees charged are different, the annual fee reduction is consistent. China Merchants Bank's credit cards, whether ordinary or gold, are free of annual fees in the first year, swiping cards six times a year and free of annual fees in the second year.

There are three differences between China Merchants Bank credit card gold card and ordinary card: the most concerned (different amount)

The credit line of China Merchants Bank credit card gold card and ordinary card is very different. The credit limit of ordinary cards is generally 3,000 yuan to 1 10,000 yuan, and that of gold cards is usually 1 10,000 yuan to 50,000 yuan. Gold cards are much higher than ordinary cards.

There are four differences between China Merchants Bank credit card gold card and ordinary card: the most intimate (different offers)

Because China Merchants Bank's credit card gold card has a higher level than ordinary cards, it usually has some benefits that ordinary cards don't have, such as:

1, preferential discount: some preferential merchants give gold cards more discounts than Puka;

2. Aviation accident insurance: When purchasing air tickets, gold cardholders get 6,543.8+0,000 insurance, and ordinary cardholders get 500,000 insurance;

3. Card loss guarantee: the maximum annual guarantee for ordinary cards is 1 10,000 yuan, and the maximum annual guarantee for gold cards is10.5 million yuan;