Hello, the application requirements for the Gold Card are higher than those for the Regular Card (including job stability, income and other financial conditions, etc.). In terms of credit limit, the credit limit of a gold card is usually higher than that of a regular card (the maximum credit limit for a gold card is RMB 50,000; the maximum credit limit for a regular card is RMB 10,000). If you need to apply, please call 4008205555 for instructions. Except for the annual fee (gold card is RMB 300 per card per year, and standard card is RMB 100 per year), the usage methods are the same. In addition, the gold card symbolizes dignity and glory and demonstrates status. Gold card holders can enjoy more card swiping benefits and conveniences. For example, overseas, we provide free emergency replacement cards and other services for gold card holders.

For other questions, you can open the China Merchants Bank homepage www.cmbchina.com and click "Online Customer Service" in the upper right corner to enter the consultation.