The main differences between the Bank of Communications Wal-Mart Credit Card regular card and gold card:

1. Different colors. Each credit card has a different pattern, but this difference is more obvious on ordinary cards. In order to highlight the difference, most banks' gold cards use gold as the main color element of the card.

2. The credit limit is different. The difference between the Bank of Communications gold credit card and the regular credit card is very different in terms of credit limit. The credit limit of the regular credit card is generally 3,000 yuan to 10,000 yuan, while the credit limit of the gold credit card is usually 10,000 yuan to 50,000 yuan.

3. The annual fees are different. Because the credit limit of the gold card is higher, the annual fee of the gold card is much higher than that of the regular card. Taking the Bank of Communications Pacific Credit Card as an example, the annual fee of the gold card is 200 yuan, while the annual fee of the regular card is only 140 yuan.

4. Credit card offers are different. Because the credit card gold card has a higher level than the regular card, it usually has some benefits that the regular card does not have.

Extended information:

Bank of Communications Walmart Credit Card regular and gold cardholders enjoy the following discounts:

1. Double points for purchases in Walmart stores

The Walmart Points Reward Program allows you to receive genuine points rebates when you use your Bank of Communications Walmart credit card to make purchases! Points can be used to offset your in-store purchases at Walmart.

Earn 2 points for every 1 yuan spent in RMB in-store, 1 point for every 1 yuan spent outside the store, and 8 points for every 1 US dollar spent in foreign currency before December 31, 2011; starting from January 1, 2012 , earning 7 points for every US$1 spent in foreign currencies.

2. Lakara repayment in Walmart stores, with discounted handling fees

Use Lakara to repay the Bank of Communications Walmart credit card in Walmart stores, and each cardholder will make the first payment every month. Discount of 2 yuan.

3. You can get points from Wal-Mart as much as you want

Bank of Communications Walmart Credit Card enjoys the Bank of Communications' "Deposits as you want" interest-free installment plan. Regardless of whether in or out of the store, a single purchase can reach Free installments are available with RMB 1,500 or the equivalent in foreign currency.

4. Special bills to provide you with personal service

The Bank of Communications Wal-Mart Credit Card monthly statement is specially printed to not only provide you with a complete consumption record, but also to provide you with a complete consumption record. Provide more and richer information on Walmart promotions.

5. Password signature, you can choose to ensure your safe use of the card

When making purchases at merchants in mainland China, you can directly use the signature method to confirm the transaction conveniently and quickly, such as If you are accustomed to using passwords to confirm transactions, you only need to call the Bank of Communications' 24-hour customer service hotline to enable the merchant transaction password verification service.

6. Use it overseas and repay in local currency to help you manage your finances easily

Whether you use the Bank of Communications Walmart Credit Card at home or abroad, you can finally repay in RMB.

7. Domestic and overseas, global support

Whether you are at home or abroad, you can make purchases at more than 20 million merchants with MasterCard/Cirrus and China UnionPay logos. Withdraw cash from 1 million automated teller machines (ATMs) and enjoy convenient and fast services at any time.

8. Spend money and enjoy interest-free

There is no need to pre-deposit cash in the Bank of Communications Walmart Credit Card. You can enjoy the consumption experience of swiping the card first and repaying later, interest-free. The payment period is up to 56 days.

Reference: Baidu Encyclopedia-Bank of Communications Walmart Credit Card