To apply for ICBC’s wealth management gold card or platinum savings card, you need to understand the relevant conditions and procedures. First of all, the opening threshold for wealth management gold cards is relatively high, requiring customers’ current deposit and loan balances (excluding housing loans) to reach a total of 300,000 yuan, of which the minimum deposit is 200,000 yuan. Applicants must be over 18 years old, hold a valid ID card, and are not allowed to borrow cards from others at will. Individuals with an average monthly income of more than 4,000 yuan and no bad credit records are eligible to apply for the gold card. At the same time, credit card holders must meet the requirements for the amount and frequency of consumption.

The application conditions for the Platinum Card are more stringent and are mainly intended for individuals with certain financial strength. For example, VIP customers of Peony International Credit Card, customers with annual consumption of RMB 100,000 and 24 transactions, or those who hold platinum cards from other banks. In addition, high-end customer groups such as high-net-worth individuals who have long-term cooperation with ICBC, senior executives of party and government agencies and public institutions, and financial directors of large enterprises are also eligible. Customers who upgrade to a platinum card must have good credit status, normal credit card account status and no serious late payment fees.

Please note that the specific account opening amount and conditions may vary by region. It is recommended to contact the local ICBC customer service hotline directly for confirmation. The above information is for reference only. Please refer to the bank's specific requirements for actual processing.