The main advantages of commercial banks’ platinum credit cards are as follows:
1. The credit limit is generally relatively large. The bank stipulates that the maximum amount of ordinary cards is 5,000 yuan, the maximum amount of gold cards is 20,000 yuan, and the maximum amount of platinum cards is generally 10,000 yuan and 1 million yuan;
2. More noble and thoughtful Serve. Users of credit cards issued by commercial banks who use platinum credit are very qualified users, and the bank will do this for this purpose. Some users provide more noble and considerate services;
3. Offline consumption courtesy. Most platinum cards will involve cooperation with various airports, hotels, etc. Everyone has platinum from this bank. Naturally, the card can enjoy these benefits every year;
4. Provide 50 days interest-free period. If you use a platinum card to make large purchases, the interest-free period of up to 50 days can save a lot of interest on a sum of money;
5. Users who use platinum cards have the possibility of obtaining low interest rates when applying for loans. Sex is bigger and higher. The repayment ability and historical performance of users who can apply for Platinum Cards are generally comparable. If you apply for a loan, banks are willing to grant high-value, low-interest loans.
Benefits of Platinum Card
1. Airport high-speed rail VIP lounge service: When traveling by plane or high-speed rail, you don’t have to stay in the noisy waiting room and carriage hall. Sit quietly and have a cup of tea in the VIP room, making waiting for your car more relaxing and comfortable. Many platinum cards also offer services such as the Dragon Card, which allows cardholders to enjoy airport services. The services of the VIP lounge are even exclusive. For example, with the China Guangfa Bank Gold Card, cardholders can use the Longteng Card unlimitedly.
2. Multiple points accumulation: The Platinum Card can quickly accumulate credit card points and enjoy the right to multiple points for spending the same amount. For example, you can get 3 times the points for spending in U.S. dollars with the Bank of Communications Platinum Card; you can get 3 times the points for overseas purchases with the Platinum Card for business travel, etc.
3. Points can be redeemed for miles on multiple airlines: There are a variety of platinum cards to choose from. Points can be redeemed on many airlines, and the liquidity of points is also very high. For example, the Pudong Development Bank Platinum Card can redeem points for three airlines: Air China, China Eastern Airlines, and China Southern Airlines. Airline miles; Citi gift cards can be redeemed for points on 12 alliance airlines around the world.
4. Enjoy bank VIP channels: handle banking business and enjoy banking services. VIP dedicated line, VP counter processing channel, etc.
5. Free Golf: Play for free or enjoy special events at the golf stadium.
6. Free roadside assistance.
7. More credit card swiping discounts: Enjoy more discounts with platinum and ordinary credit cards, more favorable cooperative merchants, and more favorable prices.
8. Other benefits: such as free high-value aviation accident insurance, free flight delay insurance, preferential car rental services, free airport shuttle services, etc.