Platinum card has the advantages of higher quota and better service than gold card, but it needs a certain annual fee.

Although the amount of gold card is low, it can generally reach 500 million yuan or even higher. The advantage is that there is an annual fee-free policy.

Suggestion: If you don't need a large sum, apply for a gold card. Need a lot of platinum cards.

The differences between CITIC Bank Platinum Card and Gold Card are as follows:

1, CITIC Bank Gold Card: ATM withdrawal between banks in the same city, with a balance of ≥ 50,000 yuan, free of charge; If it is less than 50,000 yuan, there is no charge for each 2 yuan for the first two strokes of each month. If he takes the general central route, liquidation is equivalent to cross-bank withdrawal in different places.

2. CITIC Bank Platinum Card: online banking is free in different places, ATM withdrawal is free in different places, and VIP boarding service at the airport (the assets in the card must be more than 500,000 yuan).