The biggest difference between a universal card, a gold card and a platinum card lies in the amount and treatment. When applying for a credit card (debit card), you must consider your own economic strength and consumption needs to make sure that you have the repayment ability of the card, instead of blindly pursuing the level and quota of the card. Now let's understand the difference!
what's the difference between a credit card (debit card), a gold card, a platinum card and a diamond card?
At present, the card grades in general concept mainly include: Puka, Gold Card, Platinum Card, Diamond Card, etc. But in fact, of the above four grades, only UnionPay cards are divided in this way. In fact, there are also card grades that are less heard, such as Imperial Seal Card, Unlimited Card, World Card Extreme and Black Gold Card. Then how are the card grades of each card organization specifically divided? What are the application conditions for each card level? What are the top cards of each card organization? Let's take a look!
unionpay card:
it is a basic payment product, and the color of the card surface will not be gold, white gold or black.
quota: generally, it is 3,-12,. Of course, there is a very low quota of 1,-2,, which is relatively rare; Annual fee: the annual fee of Puka is relatively low, generally around 1 yuan, and the annual fee can be reduced or exempted after a certain number of strokes;
rights and interests: ordinary card users can enjoy few rights and interests, and generally only have the basic functions of credit cards (debit cards) and participate in general activities of banks; Application conditions: at least 18 years old, with stable job and income, and good personal credit, you can apply for Puka. However, in reality, many banks classify savings cards and credit card (debit card) Puka. Even if the applicant does not have a stable job, such as a student or three employees, he can easily get Puka.
unionpay Gold card:
is a relatively high-end product in credit cards (debit cards). The basic color of the card face is generally metallic yellow, and the English word "gold" will be printed on the card face.
quota: generally 8,-1, yuan; Annual fee: 1-3 yuan. Generally, the annual fee can be reduced or exempted after a certain number of strokes are completed. Rights and interests: the treatment of gold card is much better than that of ordinary card, such as catering discount, full reduction of consumption, multiple points and other functions; Application conditions: Gold card approval mainly depends on whether the credit information and work are stable. Users with good credit information and stable work generally approve cards for the first time at around 8,-2, yuan, and most of them use gold cards as big card players, ordinary credit cards (debit cards) or white-collar workers who have just entered the workplace.
Platinum card:
A high-end card with more value-added service functions than a gold card generally uses metallic white gold as the base color of the card, and the English word "platinum" is printed on the card.
Quota: Platinum cards are generally between 1, and 1 million, but there are also many banks that invite users with a quota between 5, and 1,;
annual fee: the annual fee for platinum cards is relatively high, mostly between 5 and 2, and some of them can be reduced or exempted if they meet the consumption standards or exchanged for annual fees with points; The annual fee for high-end platinum cards is as high as 3-6 yuan;
rights and interests: platinum card is the highest card type that the general public can access, and it is also the main card type promoted by banks, so platinum card can enjoy a lot of benefits. Common services include airport VIP lounge, golf service, road rescue, gas discount and so on.
application conditions: to apply for a platinum card, besides a job with good credit information and high income, you need to have hundreds of thousands of fixed assets. In addition, real estate and car production are also reference conditions.
Diamond Card:
It is a high-end credit card (debit card) of UnionPay, which can provide top value-added services to cardholders. Generally, metallic black is used as the base color of the card, and diamond elements are embedded in the card design, and the word "diamond" is printed on the card.
quota: some banks don't have diamond cards, or diamond cards and platinum cards are of the same grade, and the minimum quota for diamond cards is generally above 1,;
annual fee: the annual fee is non-deductible, ranging from 2 to 6. For example, the annual fee for the diamond card of China Merchants Bank is 36 yuan; Rights and Interests: The service of the diamond card is similar to that of the platinum card, such as airport VIP lounge, supermarket refueling discount, free insurance, 5-star hotel check-in, free physical examination and tooth cleaning, etc., but the diamond card is generally a gold card member who can get high-end star hotels for free;
Application conditions: Take the Diamond Card of China Merchants Bank as an example: (1) VIP customers of China Merchants Bank, with an average daily asset of 5, in three months; (2) China Merchants Bank has a mortgage of 2 million yuan or a monthly payment of more than 8, yuan; (3) The car loan exceeds 2, yuan or the monthly payment exceeds 4, yuan; (4) China Merchants Bank has paid more than 18, monthly wages in the past three months; (5) The position of the company is above the manager level. The application conditions will be updated, and whether the card can be approved depends on the actual situation.
Black Gold Card:
ICBC Private Bank UnionPay Black Gold Card, the top card of UnionPay, is made of titanium alloy. The card surface and material pay tribute to the design of American Express Centurion Black Gold Card, and the peony elements of ICBC are printed on the card surface, which is an authentic "black and white dish".
quota: 1 million-5 million, annual fee: 5, yuan, rights and interests: covering eight categories: business travel, medical health, insurance, quality life, selected hotels, children's education, selected airlines, VIP courtesy, etc., very comprehensive!
application conditions: full-time wealth consultant invited to apply for a card, ICBC private banking customer, with an average daily asset of more than 8 million yuan in the past year. 2 VISA VISA's Puka, Gold Card and Platinum Card are not much different from those of UnionPay, but the two upward cards are somewhat different in grade.
Imperial Seal Card:
In the Visa system, the level of this card is higher than Platinum, but lower than infinite, and the English word "Visa Signature" is printed on the card.
credit limit: the credit limit is similar to that of a platinum card, which is more than 5, yuan, up to 2, yuan. Annual fee: the annual fee ranges from 2 to 6, and some cards can be deducted with points.
benefits: generally speaking, the benefits of a platinum card are also available in this card, but this card will have a lower discount than that of a platinum card in terms of hotel benefits;
application conditions: slightly higher than other platinum cards, depending on the standards set by the issuing bank.
Unlimited card:
Unlimited credit card (debit card) is the top credit card (debit card) in the VISA card system, and the English word "Visa infinite" is printed on the card.
credit limit: "unlimited" does not mean that the credit limit of the card is unlimited, but what it pursues is to provide credit limit that is hard to find elsewhere, unimaginable convenience, tailor-made preferential treatment and unparalleled service.
annual fee: 3-2. Maybe the bank will give you a reduction if the assets meet the standard.
rights and interests: VIP lounge, insurance, road rescue, physical examination, swimming and fitness, basically all kinds of rights and interests will be included.
application conditions: generally, it is required to be invited by the bank, or the assets meet the standard. Some banks can approve the cards in the form of cards with the same grade of other banks. The big card player, CITIC Unlimited Card, which requires relatively high requirements, can only be operated with an average daily asset of 6 million for three months.
MasterCard Titanium Card:
Titanium card is a card grade between gold card and platinum card, which has some rights and interests of platinum card, and the English word "Titanium" is printed on the card.
limit: between gold card and platinum card, generally ranging from 1, to 1,.
annual fee: 1-5, and the annual fee can be reduced or exempted if the number of credit cards (debit cards) reaches the standard. Rights and interests: depending on the issuing bank, it is between gold card and platinum card.
application conditions: the application threshold is relatively low, and the application difficulty is similar to that of a general gold card.
World Card:
MasterCard's card level has gradually changed to "Standard Card <; World card <; The pole card of the world ",some banks regard the world card as a gold card, and some banks regard it as a platinum card. The English word "World" is printed on the card.
quota: 1,-1,.
annual fee: depending on the issuing bank, some world cards are exempt from annual fee, and some world cards have an annual fee as high as 2, yuan.
rights and interests: it belongs to MasterCard's sub-top card and has rights and interests granted by MasterCard organization, such as SPG's overnight gold promotion.
application conditions: it depends on the issuing bank, some of which are the same as gold cards and some of which are the same as platinum cards.
the pole card of the world:
it is the top card of MasterCard, with the top benefits granted by MasterCard, and the words "World Elite" are printed on the card.
quota: 5,-1 million. Annual fee: 36-8, some of which can be deducted by points.
rights and interests: concierge service, travel courtesy, gourmet feast, luxurious holiday, healthy life, priceless experience, etc.
application conditions: depending on the issuing bank, it is generally issued as a set of cards together with unionpay diamond card. Please refer to unionpay diamond card for application conditions.
American Express Platinum Card:
The charge cards issued by American Express mainly include Green Card, Gold Card, Platinum Card and Centurion Card. In the American Express system, all debit cards have the head of a Roman centurion, so it is customary to call them centurion cards. (No charge card has been issued in Chinese mainland yet) In addition to charge cards, American Express also issues credit cards (debit cards), just like Pufa AE White, which has the blue square card organization logo of American Express, commonly known as the "blue box".
credit limit: there is no default credit limit for the debit card, but it does not mean unlimited credit limit. American Express Company will take the cardholder's financial situation, big card player, past consumption and payment records as the standard to measure the credit limit. Credit cards (debit cards), like other platinum cards, generally start at a minimum of 5, and have a maximum amount of 1 million.
annual fee: 36-6. Part of the annual fee can be deducted by points.
application conditions: take Pufa AE Bai as an example:
(1) other banks apply for high-end cards with a quota of more than 1, yuan;
(2) The running bill of Shanghai Pudong Development Bank with an average daily income of more than 75, yuan for more than 3 months;
(3) proof of salary income and running list with an annual salary of more than 4,;
(4) The wealth management assets of Shanghai Pudong Development Bank reach more than 1 million; (5) social celebrities. The application conditions will be updated, and whether the card can be approved depends on the actual situation.
Black Gold Card:
The American Express Centurion Black Gold Card is currently recognized as the "king of cards" in the world. Black gold cards are generally invited by banks, even if they are rich and prestigious, they may not be invited. The card is a metal card with black and gold lines and the head of "Centurion" printed on it. Centurion's moral: give the cardholder personal protection.
Quota: Generally, the quota is between 1 million and 1 million, but some banks say that there is no quota limit for some users with black and gold cards.
annual fee: 5 -6 digits. ICBC and China Merchants Bank charge an annual fee of 18, RMB for the issued American Express Black Gold Card, while Minsheng Bank charges an annual fee of 36, RMB. However, those who can be invited by the black gold card are not bad for these annual fees.
rights and interests: it is mainly the concierge team of American Express. It is rumored that as long as it is legal on earth, it will try its best to satisfy cardholders. There are also rumors that not only can the plane turn around, but also singers can sing at home.
application conditions: you can't apply for this card on your own initiative, and you must write a letter of recommendation from the branch president and above before you can pass it, which is very private. According to insiders of the bank, it is mainly to examine the customer's asset scale, asset liquidity, life taste, consumption habits and customer's contribution to the bank. The annual consumption of RMB 2 million in China or RMB 1 million abroad is a basic threshold. The condition of China Merchants Bank's black gold credit card (credit card) is that, except for insurance, three-party deposits and pledged assets, the personal core assets reach 1 million, and it must be a "famous general manager celebrity".
tips:
the difference between credit card (debit card) general card, gold card and platinum card. Credit cards are basically divided into three types, namely general card, gold card and platinum card. Basically, card friends know that the quota of these three cards is platinum card >: Gold card > Puka, the application difficulty is also platinum card > Gold card > Puka, besides that, what are the other differences?
Different annual fees
Puka:
Ordinary credit cards (debit cards) don't need annual fees in the first year, or the bank will set a threshold for cardholders to swipe their credit cards (debit cards), and users can be exempted from annual fees after swiping their credit cards (debit cards) every year. For example, Bank of Communications Y-POWER card: annual fee 14 yuan is exempted from the annual fee of the first year, and the annual fee of the next year is exempted by swiping the credit card (debit card) six times.
Gold card:
The annual fee is generally around 3 yuan, and the annual fee for the first year is exempted. For example, China Merchants YOUNG Card Gold Card: the annual fee for 3 yuan is exempted, and the annual fee for swiping a credit card (debit card) for six times is exempted.
Platinum Card:
Compared with the first two kinds of cards, the annual fee of platinum credit card (debit card) is still quite high, and the threshold for exempting the annual fee of credit card (debit card) has become higher, but I think that for those who can afford platinum card, this money is only nine Niu Yi cents. For example: CITIC I Platinum Credit Card (debit card): the annual fee is 48 yuan, and the annual fee is reduced for 12 times by swiping the credit card (debit card) in the following year.
different benefits and rights
Puka:
There is basically nothing to say about the benefits of ordinary credit cards (debit cards). It is very good to be able to redeem a little phone bill to recharge the coupons.
Gold card and Platinum card:
These two cards can enjoy many discounts, points exchange and other activities when they are consumed by some preferential merchants in the bank. Platinum cards also include free airport shuttle service, VIP room service, free golf, preferential interest rate for personal loans, flight delay insurance, and exclusive customer service without queuing in the bank.
in a word, the biggest difference between a universal card, a gold card and a platinum card lies in the amount and treatment. When applying for a credit card (debit card), you must consider your own economic strength and consumption needs to make sure that you have the repayment ability of the card, instead of blindly pursuing the level and quota of the card.