China Merchants Bank's black gold credit card cannot be applied voluntarily. The card is issued by the bank to a few selected high-end customers through the invitation system, requiring cardholders to deposit more than 20 million yuan every year and every day. The treatment threshold is extremely high, and it is located in the top group, with no upper limit.

Black gold card holders of China Merchants Bank are generally male, and they are top figures in all industries. They have a minimum deposit of several million, stable assets and high income, and have contributed more than six stars to the bank.