200,000 yuan. According to the inquiry of official website Guangfa Bank, the maximum amount of Guangfa Premium Platinum Card is RMB 200,000, and the annual fee is 480 yuan. The annual fee is free in the first year, and the annual fee is free for swiping the card 12 times in the next year. This credit card application requires that the applicant should be at the age of 18-65, have a stable job and residence, and apply at the business outlets of Guangfa Bank.