2. New marketing customers who apply for daily average financial assets or purchase investment financial products of more than RMB 1, (inclusive) (specifically subject to the standards published by local branches).
Platinum Card
1. The average daily financial assets of existing customers in the 12 months before the application date of Agricultural Bank of China reached RMB 1 million (inclusive);
2. New marketing customers who apply for daily average financial assets or purchase investment financial products of RMB 1 million or more.
in line with the above criteria, after signing a contract with the account manager at the Agricultural Bank's account opening branch, you can open a gold card by filling out an application form for personal settlement account and providing a copy of your valid ID card.
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Agricultural Bank of China credit card gold card is a kind of credit card of Agricultural Bank of China, which generally includes general card, gold card, platinum card and so on.
1. the design of the credit card. The background color of gold cards is generally golden yellow, which highlights the characteristics of gold cards: Puka has different colors and no obvious characteristics, and generally does not take gold as the keynote.
2. Preferential merchants have different discounts. Because of the different card grades, the credit card discounts you can enjoy will be different. General credit card gold cards can enjoy higher discounts at preferential merchants; Puka can enjoy a slightly lower discount, just like a series of cards. In the same merchant, Gold Card enjoys a 2% discount and Puka enjoys a 1% discount.
3. Credit card points are accumulated differently. As stipulated by a bank, if a credit card is used for spending or withdrawing RMB in 1 yuan or Hong Kong dollars and 1 yuan, it can accumulate 1 point RMB1/HKD1=1 point, and if it is used for spending or withdrawing cash, it can accumulate USD1=8 points; If you use the gold card to spend or withdraw RMB 1 yuan or HKD 1 yuan, you can accumulate 2 points, with RMB1/HKD2=2 points. Spending or withdrawing 1 dollar or 1 euro can accumulate 16 points USD1 yuan or 1 euro = 16 points.
4. The coverage of card loss is different. Many banks have introduced credit card loss protection services, but the coverage of gold card loss is different from that of ordinary card. After the cardholder loses his/her card, the annual credit card gold card theft limit is 15, yuan, and the ordinary credit card is 1, yuan.
overdraft limit
1. The maximum overdraft limit of ABC credit card in Capka is RMB 5, (including equivalent foreign currency),
2. The overdraft limit of ABC credit card gold card is RMB 2,,
3. The minimum overdraft limit of Platinum card is RMB 1,, and the maximum overdraft limit is RMB 1 million.
4. The maximum overdraft limit of comprehensive credit for corporate cards is 3% and does not exceed RMB 3 million. If there is no comprehensive credit, the maximum overdraft limit is RMB 1 million.
the overdraft limit of a credit card is also directly related to the relevant materials and information of the cardholder at the time of application. For example, personal income, real estate, vehicles and the nature of personal work are used as proof materials to apply for credit cards, so as to limit the upper limit of credit cards. The overdraft limit of the same credit card will continue to increase with the cardholder's consumption limit, and the overdraft limit will automatically increase within half a year or one year.
Brief introduction to the functions of the Agricultural Bank of China Credit Card Gold Card
1. Instant credit
Jinsui Credit Card has a powerful function of credit and loan integration, which can open current and multiple fixed sub-accounts and deposit its own funds to earn deposit interest. Moreover, after receiving the card, it can directly overdraw and use the credit immediately within the credit line approved by our bank, and flexibly arrange its own production and operation funds and manage family property.
2. Revolving overdraft and quick turnover
Within the credit line approved by the bank, you can borrow and repay at any time according to your own capital situation, and the interest is calculated according to the actual days of use. After repayment, the credit line will be immediately restored and reused, realizing the rapid turnover of funds, saving the use cost of funds and realizing asset appreciation to the greatest extent.
3. Cash withdrawal in full is convenient to use
You can not only spend overdraft, but also withdraw overdraft and transfer overdraft. Among them, the ratio of cash withdrawal overdraft and transfer overdraft can reach up to 1% of the credit line, which can meet your capital needs for different purposes to the greatest extent.
4. High credit and flexible guarantee
You can obtain the credit of Huinong Credit Card through various guarantee methods such as credit guarantee, guarantee guarantee, pledge guarantee and mortgage guarantee. Combined with your credit status and guarantee method, the maximum credit line can reach 3, yuan.
5. Easy management
With Jinsui Credit Card, you can open RMB demand account and multiple RMB time sub-accounts at the same time, and you can easily manage your demand deposit and time deposit with one card in your hand without other cards or certificates of deposit.
6. Pay by proxy, which saves worry and effort
You can pay water, electricity, communication, cable TV and other expenses on your behalf through Jinsui Credit Card. When the self-owned funds of the account are insufficient, the above expenses can also be paid with overdraft not exceeding 1 yuan within the credit line.
7. Supplementary cards for the main card, with a line of credit * * *
You can open multiple supplementary cards for your family or friends according to your own situation, so that they can * * * use their own funds in the main card, or * * * use the credit line approved by the bank for you according to the customer's requirements.
8. Payment control, full control
According to customers' requirements, you can control the payment times, amount and overdraft authority of supplementary cards, and you can also cancel supplementary cards at any time, so that customers can flexibly control the use of supplementary cards. Agricultural Bank of China credit card gold card is a kind of credit card of Agricultural Bank of China, which generally includes general card, gold card, platinum card and so on.