1. Different application conditions
Puka Card is an entry-level credit card. Compared with other cards, its application conditions are the simplest. You only need to be at least 18 years old, have good credit information, have no bad hobbies, and have a stable job and sustainable income to apply. The application conditions for the gold card are relatively high. Take Bank of Communications as an example. If you want to apply for the Bank of Communications credit card gold card, you must have a stable job, pay three gold in a row, have a college degree or above, have certain assets in Bank of Communications, earn more than 25, yuan annually, and work as a manager in a listed company or a top 5 enterprise. You have received an invitation from Bank of Communications for the gold credit card.
2. Different credit lines
Generally, the credit line of a general card is between 1, and 1, yuan, and the specific situation is determined according to the applicant's credit standing and the financial proof submitted, while the credit line of a gold card is between 1, and 5, yuan, and the specific situation is determined according to the applicant's credit standing and the financial proof submitted.
3. Different annual fees
Puka and Gold Card need to pay different annual fees, and different banks charge different annual fees. Take Bank of Communications as an example:
The annual fee for the main card of Gold Card is RMB 2 yuan per year, and the annual fee for the supplementary card of Gold Card is RMB 1 yuan per year.
the annual fee for the master card of Puka is RMB 14 yuan per year, and the annual fee for the supplementary card of the master card is RMB 7 yuan per year.
the annual fee for the Bank of Communications credit card is free in the first year, and the annual fee for the next year can be waived after swiping the card six times a year.
4. Enjoy different rights and interests
Puka and Gold Card enjoy different rights and interests, or take Bank of Communications as an example. After the successful opening of Ctrip co-branded card, Gold Card will give 18 Ctrip points, Puka will give 8 points, aviation accident insurance gold card will cover 2 million yuan, and Puka will give 5, yuan; Air China Companion Co-branded Card's Aviation Inconvenience Insurance covers 1 yuan and Puka 3 yuan.