1. If you travel rarely, the VIP room at the airport is useless.
Playing golf for free is useless if you can't do it at all.
3. Banks don't have to wait in line, which seems to be more practical.
4. Annual physical examination. Personally, I think it's quite good, but when you get to the hospital, you have to resist the bluff of the hospital, or you will spend a lot of money.
5. Give high aviation accident insurance, etc. This is the same as the first point above.
In short, owning a platinum card represents good credit, outstanding identity and the bank's trust in the cardholder.
Condition 1: stable work
If you want to apply for a platinum credit card, you must first have a stable income or a lot of financial resources. Generally speaking, the application standard of bank platinum credit card is mostly financial proof of annual salary of 6,543,800 yuan or more or 500,000 yuan or more. At the same time, if it is a state-owned enterprise, institution or civil servant, it is also very helpful to apply for a platinum credit card. In the eyes of banks, the stability of employees in state-owned enterprises is much higher than that of foreign executives. The financial crisis may make the income of foreign executives plummet, but generally it will not shake the salary income of employees in state-owned enterprises.
Condition 2: Good credit.
In addition, if the cardholder has a bad credit record, it will be very unfavorable for him to apply for a platinum credit card, because platinum credit cards generally have a high credit limit. If the cardholder has a bad credit record, then the bank is unwilling to issue him a platinum credit card. In other words, if you want to apply for a platinum credit card, you must have a good credit history, which is more important than high income.
In contrast, if the cardholder has a good credit record, even if the income is not high, he has a chance to successfully apply for a platinum credit card. According to experts, generally speaking, cardholders who have used the card for more than two years and have a credit line of more than 30,000 yuan will have the opportunity to receive an invitation letter from the bank. Cardholders who receive the invitation will be approved as long as they agree to apply for a platinum credit card. Therefore, a good credit card record is also a way to apply for a platinum credit card.
Cost: Platinum card is not free.
Platinum cards generally charge a high annual fee. Although the total value of value-added services provided by Platinum Card is much higher than its annual fee, these value-added services may not be suitable for all cardholders, and cardholders can choose their own bank card accordingly. For example, the Olympic Platinum Card of CCB is an entry-level platinum card, which can be exempted from the annual fee by swiping 18 times a year. However, the use of PP card (VIP card provided by the main organization, which can be used to rest in the VIP room of international airport) requires the cardholder to pay the usage fee every time, and there is no other high-end value-added service. This is a platinum card issued by China Construction Bank, which is more suitable for ordinary people. In addition, CCB also has a higher-end diamond card for high-end customers to choose from.
The general annual fee for platinum credit cards of Industrial Bank, Industrial and Commercial Bank of China, Bank of China, China Merchants Bank and other banks is between 2,000 yuan and 3,600 yuan. There is no annual fee-free clause, and even if there is, the conditions are very high. At the same time, the value-added services provided by these bank cards are also in place. Conditional cardholders may wish to choose a high-end bank card that suits them, so that flying, going to the hospital and playing golf can be leisurely. It's really worth it.
Question 2: What are the benefits of platinum credit card to personal credit? There are many advantages to owning a platinum credit card. Platinum cards can enjoy many value-added services provided by banks.
1. If you travel rarely, the VIP room at the airport is useless.
Playing golf for free is useless if you can't do it at all.
3. Banks don't have to wait in line, which seems to be more practical.
4. Annual physical examination. Personally, I think it's quite good, but when you get to the hospital, you have to resist the bluff of the hospital, or you will spend a lot of money.
5. Give high aviation accident insurance, etc. This is the same as the first point above.
In short, owning a platinum card represents good credit, outstanding identity and the bank's trust in the cardholder.
Condition 1: stable work
If you want to apply for a platinum credit card, you must first have a stable income or a lot of financial resources. Generally speaking, the application standard of bank platinum credit card is mostly financial proof of annual salary of 6,543,800 yuan or more or 500,000 yuan or more. At the same time, if it is a state-owned enterprise, institution or civil servant, it is also very helpful to apply for a platinum credit card. In the eyes of banks, the stability of employees in state-owned enterprises is much higher than that of foreign executives. The financial crisis may make the income of foreign executives plummet, but generally it will not shake the salary income of employees in state-owned enterprises.
Condition 2: Good credit.
In addition, if the cardholder has a bad credit record, it will be very unfavorable for him to apply for a platinum credit card, because platinum credit cards generally have a high credit limit. If the cardholder has a bad credit record, then the bank is unwilling to issue him a platinum credit card. In other words, if you want to apply for a platinum credit card, you must have a good credit history, which is more important than high income.
In contrast, if the cardholder has a good credit record, even if the income is not high, he has a chance to successfully apply for a platinum credit card. According to experts, generally speaking, cardholders who have used the card for more than two years and have a credit line of more than 30,000 yuan will have the opportunity to receive an invitation letter from the bank. Cardholders who receive the invitation will be approved as long as they agree to apply for a platinum credit card. Therefore, a good credit card record is also a way to apply for a platinum credit card.
Cost: Platinum card is not free.
Platinum cards generally charge a high annual fee. Although the total value of value-added services provided by Platinum Card is much higher than its annual fee, these value-added services may not be suitable for all cardholders, and cardholders can choose their own bank card accordingly. For example, the Olympic Platinum Card of CCB is an entry-level platinum card, which can be exempted from the annual fee by swiping 18 times a year. However, the use of PP card (VIP card provided by the main organization, which can be used to rest in the VIP room of international airport) requires the cardholder to pay the usage fee every time, and there is no other high-end value-added service. This is a platinum card issued by China Construction Bank, which is more suitable for ordinary people. In addition, CCB also has a higher-end diamond card for high-end customers to choose from.
The general annual fee for platinum credit cards of Industrial Bank, Industrial and Commercial Bank of China, Bank of China, China Merchants Bank and other banks is between 2,000 yuan and 3,600 yuan. There is no annual fee-free clause, and even if there is, the conditions are very high. At the same time, the value-added services provided by these bank cards are also in place. Conditional cardholders may wish to choose a high-end bank card that suits them, so that flying, going to the hospital and playing golf can be leisurely. It's really worth it.
Question 3: What are the benefits of ICBC Platinum Credit Card? Supreme Business Courtesy High Aviation Accident Insurance Service Our bank will give you aviation accident insurance of up to 4 million yuan, so that you can have no worries when you travel frequently. (For details, please click to read the aviation accident insurance service manual. )
The insured amount of flight delay (more than 6 hours) for travel inconvenience insurance: domestic 500 yuan/time, foreign 1000 yuan/time, totaling 5,000 yuan/year; Luggage delay (more than 6 hours) insurance coverage: domestic 200 yuan/time, foreign 500 yuan/time, a total of 1, 000 yuan/year; Insurance amount for lost baggage (more than 24 hours): domestic 500 yuan/time, foreign 1 1,000 yuan/time, totaling 5,000 yuan/year. (Note) When you use Peony Platinum Credit Card to pay all your commercial passenger plane tickets or not less than 80% of the tour fare, you can get travel inconvenience insurance presented by our bank, which includes flight delay insurance, baggage delay insurance and baggage loss insurance. (For details, please click to read the Travel Inconvenience Insurance Service Manual. )
International SOS service (exclusive to Peony Platinum Credit Card (UnionPay brand, MasterCard brand, Visa brand)) Our bank cooperates with internationally renowned SOS rescue centers to provide you with exclusive services such as 24-hour telephone family doctor, international and domestic emergency medical rescue, international tourism assistance, etc. , so that you can get intimate medical care and effective emergency assistance anytime and anywhere. For details of service contents and fees, please refer to the SOS Service Manual of Platinum Credit Card of Industrial and Commercial Bank of China.
Courtesy of airport VIP room We provide airport VIP room service for Peony Platinum Credit Card customers. As long as you show your platinum card, you can use the airport VIP room designated by our bank for free, which will make your journey more distinguished and comfortable. List of domestic airports and service guides
CAR Inc Courtesy Peony Platinum Card Cardholders can enjoy the first car rental experience from Monday to Thursday and enjoy the preferential treatment from 50 yuan. Note: the activity is applicable to platinum credit card holders; Car rental must be booked 24 hours in advance, while stock lasts; The discount car cycle must be within the business hours of CAR Inc from Monday to Thursday, and do not participate in this activity on Fridays and national legal holidays; The first day's first rental experience price is the daily rental of vehicles, excluding insurance fees, handling fees and other expenses; The experience price is only applicable to the first rent on the first day, and the overdue rent is charged according to the standard price enjoyed by platinum card holders; The first day's first rental experience is not enjoyed at the same time as other offers; For details of the event, please consult the 24-hour customer service hotline: 400-6 16-6666, or visit rentauto/ for event inquiry.
? Other services of Peony Platinum Card (MasterCard brand) After the global airport VIP room service is upgraded to Platinum Card, if you successfully apply for a new VIP card (referred to as PP card), you will become a member of the world's largest independent airport VIP room use plan. As long as you show your PP card, you can use the VIP room service of more than 600 designated international airports around the world for free. Guide to the use of airport VIP rooms? Other services of Peony Platinum Credit Card (American Express brand) Overseas airport VIP room service You can also enjoy the overseas airport VIP room service provided by Huanya Airport Service Management Co., Ltd. for free when you show your Peony Platinum Card, which can be enjoyed by both Platinum Cardholders and Deputy Cardholders. When colleagues use the VIP room service at overseas airports, colleagues over 3 years old can enjoy a 30% discount, and children under 3 years old are free. Guide to the use of VIP rooms at overseas airports
Platinum Card Support Services Our bank cooperates with American Express and international SOS Company to provide you with 24-hour health hotline service and global medical and travel assistance services, so that you can get intimate health care and effective emergency assistance at any time and any place. You can always call the Platinum Card Support Service Hotline at 400-8 190- 168 for help. Please refer to the Peony Platinum Card User Guide for specific platinum card support services and fees.
? China Industrial and Commercial Bank Centurion Platinum Card (1) 24-hour exclusive concierge service ... >>
Question 4: What are the benefits of Bank of Communications Platinum Credit Card? Generally speaking, customers who can issue platinum cards are people with good economic conditions and stable careers. In other words, they are status symbols.
Platinum cards can generally enjoy many preferential items, such as insurance, golf course membership, additional services for business travel, financial management, medical care and so on. If the amount is basically above 5W.
The annual fee is at least 600 yuan. If you want to enjoy the package service, you must pay the package fee separately. Basically, 2000 yuan/set is necessary (the annual fee cannot be deducted in any form).
Question 5: What are the benefits of China Everbright Bank Platinum Credit Card?
Platinum credit cards can enjoy a high credit line, ranging from tens of thousands to hundreds of thousands, even reaching 1 10,000 or more. Usually, the bank will decide the credit line according to the applicant's work and income, as well as the assets under his name, including time deposits of real estate and vehicles. The high credit limit of Platinum Credit Card can meet the credit card consumption needs of cardholders in a wider range.
Platinum credit card can enjoy more benefits, usually including multiple points for credit card consumption, free aviation accident insurance and aviation delay insurance, road rescue service, car rental discount, free golf, airport VIP room service, free upgrade service for airplanes or motor trains, and free medical examination service.
Platinum credit cards can enjoy more protection, such as loss reporting protection of bank cards, safe card use protection and so on.
Platinum credit cards can enjoy exclusive services, such as the bank's special customer service hotline, and banks can handle business without queuing.
Hope to adopt
Question 6: What are the advantages of China Merchants Bank Platinum Credit Card? I haven't used it, because its level is really high, and most people can't apply. Few people can use it in a moderately developed city. The advantage, of course, is that its overdraft limit is very high. Of course, the credit card company will review it, and he will only approve it if you have the repayment ability. Then the platinum credit card can enjoy easy boarding service at the airport, which is much better than the platinum card of China Merchants Bank. You can also book air tickets 24 hours in advance, which is the exclusive discount merchant for many platinum credit card customers. As a symbol of identity, the staff of China Merchants Bank will definitely give priority to what special wealth management products you buy when they see that the service will be upgraded to a higher level.
Then, the disadvantage is that the platinum credit card has to pay an annual fee of 3600, which is inevitable. On the other hand, just looking at its annual fee, you can imagine that the grade of this card is very high. The annual fee for ordinary credit cards shall not exceed 150.
Question 7: What's the difference between a gold card and a platinum card? Generally speaking, there is little difference between gold and platinum cards. Generally, relatively high-quality customers will recognize gold cards. Theoretically, the upper and lower limits of gold cards and ordinary cards are the same. In fact, generally more than 8000 gold cards will be issued according to the requirements of customers. After spending a certain number of times, Puka and Gold Card are exempt from annual fees. There will be a certain discount, and the annual fee of gold card will be higher than that of Puka. Platinum cards generally have to pay an annual fee, and the services they enjoy are relatively high, which varies from bank to bank, but the general airport VIP service has a high amount (65438+ 10,000 or even higher than 300,000), which is a special VIP channel. Therefore, the platinum card is really used by high-end customers. Puka and Gold Card only distinguish between ordinary customers and quality customers. For ordinary people, there is little difference between Puka and Gold Card. To use the platinum card, you need to explain your gift and usage.
Question 8: What is the function of Bank of Communications Platinum Credit Card? Generally, the role of platinum card is 50% off the handling fee, and the airport enjoys VIP channel and call priority. I don't know about special functions ...
Question 9: What are the benefits of Ping An Bank Platinum Credit Card?
& gt Ping An Platinum Credit Card: 1 yuan = 1 mileage points, and spend 5 times points in the birthday month.
& gt Ping An Elite Platinum Credit Card:
1. Exclusive points of Ping An Elite Platinum UnionPay standard credit card: Domestic and overseas consumption is accumulated according to the two-mile points rule of RMB 1 yuan, and the credit card points rules of Ping An Bank are applicable.
2. Ping An Elite Platinum VISA dual-currency credit card exclusive points and consumption feedback plan:
1) You can enjoy double mileage points when you spend accumulated points in China (excluding Hong Kong, Macao and Taiwan).
2) Anyone who spends accumulated points outside China (including Hong Kong, Macao and Taiwan) can enjoy a maximum consumption feedback of 2%.
Features, functions and rights of the card:
& gt Ping An Platinum Credit Card:
1, preferential check-in in top five-star hotels, six free first-class VIP service rooms at the airport, etc.
2. Free medical examination package once a year, 12 special needs expert outpatient appointment, 6 accompanying consultation services, and annual health care consultation services.
3. High insurance coverage such as100000 aviation accident insurance and100000 public transportation accident insurance.
4. Enjoy the ultra-high overdraft limit of more than 50,000 yuan and 24-hour platinum secretarial service.
& gt Ping An Elite Platinum Credit Card: Ping An wealth rights (for example, you need to use wealth points for TCM health care or airport transfer).
1, health care, caring: 360-degree risk screening physical examination package, Chinese medicine care, tooth cleaning service, etc.
2. The car dealership cares wholeheartedly: airport pick-up, up to 500,000 car accident insurance and car rental benefits.
3. High security and peace of mind: up to 250,000 yuan of comprehensive travel accident insurance, up to 654,380,000 yuan of comprehensive traffic accident insurance, and domestic/foreign emergency rescue.
Annual fee: If the credit card is not activated, there is no annual fee.
& gt Ping An Platinum Credit Card: 2,800 yuan/year for the main card, 0/for the supplementary card, and 800 yuan/year. After activation, there is no relief policy in the first year. In that year, the cumulative consumption of the main card and the supplementary card reached 300,000 yuan or equivalent US dollars, and the annual fee of the corresponding card was exempted in the following year. If you spend RMB 6,543.8 Yuan+RMB 5,000 Yuan or its equivalent in the current year, you will be exempted from paying half of the annual fee of the corresponding card in the following year.
& gt Ping An Elite Platinum Credit Card: 600 yuan as the main card and 480 yuan as the auxiliary card, with no annual fee reduction rules.
Question 10: What are the advantages of CCB Platinum Card? Platinum credit card itself is a status symbol, and only high-end customers can apply.
The platinum credit card of CCB has a very good function, that is, it has the function of automatically purchasing foreign exchange in RMB. In other words, all your foreign currency transactions will be converted into RMB according to the exchange rate of foreign exchange purchased by CCB credit card on the day of entry, so you don't have to pay back the foreign exchange at that time, just pay back the RMB directly. Moreover, all overseas transactions are free of foreign exchange fees, which is more cost-effective.
Moreover, the annual fee standard of CCB Platinum Credit Card is 580 yuan/year, but you can avoid the annual fee as long as you swipe your card every year or withdraw the accumulated 10, which is still very easy to handle.
Personally, I think CCB's platinum credit card is quite good.