Business Friend Card.

Gold cards and merchant cards are both bank cards launched by banks, and they have different levels of advancedness. Gold card is a credit card launched by the bank, which requires users to provide more personal information and credit history. Merchant Friend Card is a debit card launched by banks, which requires users to provide more business background and asset certificates.

So from the perspective of advanced level, both Gold Card and Merchant Friends Card are relatively high-end bank cards, but Merchant Friends Card is more advanced.