The difference between Golden Sunflower and Diamond Cards

1 different types of cards

The Golden Sunflower Card is an all-in-one card and is a debit (savings) card at the platinum level of China Merchants Bank card), and the Diamond Card is a high-end credit card of China Merchants Bank.

2 Different benefits

Golden Sunflower Card Bank’s first financial platinum card in the Asia-Pacific region, enjoys services such as VIP boarding at airports across the country, global consumer cash withdrawals, etc., but no overdraft is allowed, while Diamond A credit card can be overdrafted and you can enjoy many privileges of a credit card, but you cannot enjoy financial management services.

China Merchants Bank savings cards can be divided into the following types according to their assets: All-in-one card, gold card, golden sunflower card, diamond card, private bank card (golden sunflower card and above are VIP cards, The highest level currently is a private bank card).

There are no asset requirements for opening an ordinary one-card account.

To open a "All-in-One Card" gold card account, you need to bring your ID card to the counter to apply. At the same time, you are required to have the same ID number and the same account name. The average daily asset discount in the last month at the branch where you plan to open an account reaches RMB 50,000 yuan (inclusive) and above.

To open a "Golden Sunflower" card account, you also need to bring your ID card to the counter to apply. At the same time, you are required to have the same ID number and the same account name, and a full discount on the average daily total assets of the last month at the branch where you plan to open an account. RMB reaches 500,000 yuan (inclusive) and above.

A savings card is a financial transaction card issued by a bank to provide financial services to depositors. It is a type of debit card. There are two types: magnetic stripe and chip. Its main function is to make deposits and withdrawals at networked ATM machines and bank counters, and to make purchases at networked POS.

The main function of the savings card is savings deposits. Through the electronic payment network established by the bank and the magnetic stripe reading and manual password entry of the card, cardholders can realize card consumption, ATM cash withdrawals, transfers, and various other transactions. For functions such as bill payment, expenses incurred through the card are equal to the reduction in the balance of the savings account. The account balance is zero and the card's payment function is reduced to zero. Applying for a debit card is very simple and does not require bank approval. Generally, it can be applied and withdrawn immediately.

Go to any bank branch with your valid ID. A current account must be opened first. The account balance must not be less than 10 yuan. Accounts that do not draw money based on seals. Accounts that are not reported lost or frozen, and the account status is normal.

Debit card fees mainly include annual fees, small account management fees, loss reporting fees, new card processing fees, cash withdrawal fees (including local inter-bank, non-local local bank, non-local inter-bank, overseas ATM, Hong Kong and Macao), transfer Handling fees (including local bank, cross-bank, local inter-bank, overseas wire transfer), online banking transfer fees (including local bank, cross-bank, local inter-bank, overseas remittance).