1 and platinum are better. Generally speaking, the higher the card level, the better the credit card, and the platinum card is higher than the gold card, so many people want to have a platinum card when applying for a credit card. However, when applying for a platinum card, you need higher application conditions. If you don't meet the requirements, it is difficult to apply. The amount of platinum card is higher than that of gold card, generally between 10000-50000, and platinum card is generally above 50000. However, if you want to reach such a quota, you must submit a good enough financial certificate. If the financial certificate submitted is not good, the amount will not be so high.

2. Platinum card contains more rights and interests than gold card, and the preferential strength is also greater. Users can fully compare when applying. However, the annual fee of platinum cards is higher than that of gold cards, and many platinum cards cannot be exempted. The annual fee for most gold cards can be waived, and then the platinum card will have to pay extra. In fact, when applying for a credit card, users don't have to pay special attention to the types of credit cards, mainly to see whether this credit card is suitable for them, such as whether the rights and interests contained in the credit card are used frequently by themselves, and don't pursue a high quota. If the monthly income is only a few thousand, the credit card limit should not exceed 10000.

The difference between the two

1, different application conditions

The application conditions for the gold card are that the applicant 18 years old, has a stable job and income, has good personal credit, and it is easier to get a gold card with an annual income of more than 400,000 yuan.

Platinum card can't be applied directly. Generally, banks invite qualified customers to apply for platinum cards. Platinum card customers can enjoy platinum customer service hotline service and premium value-added services, providing higher-end services and rights than gold cards. Generally speaking, the application standard of bank platinum credit card is mostly financial proof with annual salary of more than 6,543,800 yuan or more than 500,000 yuan.

2. The number of approvals is different.

The gold card amount is generally 10000 yuan to 50000 yuan; Platinum card 65438+ 10,000 even 500,000.

3. The annual fee is different

The annual fee of platinum card is higher than that of gold card, which is higher than that of ordinary card.

4. Enjoy different preferential services.

Platinum cards can enjoy higher discounts than gold cards in preferential merchants, and platinum cards can enjoy many value-added services provided by banks. For example: airport VIP room, free golf, banks do not have to wait in line.