What is the most expensive CITIC Bank credit card?

The CITIC Bank credit card with the highest limit is the CITIC Bank Diamond Credit Card.

CITIC Bank Diamond Credit Card is UnionPay’s first top-level credit card and China’s first metal credit card. The card itself has a metallic texture and has the rights and interests of China UnionPay Diamond Card and the core rights and interests of CITIC Bank’s top-level card. Build the core competitiveness of this card with "global" functions and services.

These diamond credit cards or platinum cards are not something you can just apply for. You need to be actively invited or applied for by the bank. CITIC Bank Diamond Credit Card is mainly issued to owners, private owners, well-known literary and artistic figures, hosts, etc. And the annual fee for this kind of credit card is as high as 10,000 yuan a year. However, unlike ordinary credit cards, diamond credit cards with a limit of hundreds of thousands of yuan will bring many special services to cardholders, such as airport VIP access, medical examinations, golf competitions, lawyer consultations, expert clinics, etc.

If the CITIC Bank Diamond Credit Card is lost or misappropriated, the bank will pay 100% compensation. A dedicated travel department can even design an exclusive travel route based on the cardholder's needs.

The difference between CITIC Bank Diamond Card and Qingzhuan Card

The difference between ordinary card, diamond card and VIP card lies in the different business scope and services they enjoy. The higher the level of the card, the more proof it holds. The more wealth someone holds, the higher the corresponding bank card level and the more comprehensive related services they enjoy.

Diamond card is a high-end credit card or savings card jointly launched by bank card organizations and commercial banks and other institutions. UnionPay cards are subdivided into four categories: ordinary cards, gold cards, platinum cards and diamond cards based on card levels and service rights. UnionPay card is a bank card jointly launched by China UnionPay and commercial banks and other institutions. It starts with 62 and has the UnionPay logo on the card surface. UnionPay cards only have the UnionPay logo on the card surface and no other card brand logos. They are also often called single-logo UnionPay cards.

The difference between CITIC Bank’s gold credit card and platinum card

The difference between CITIC Bank’s platinum card and gold card:

1. Different limits: CITIC Bank’s platinum credit card limit Generally, the minimum limit starts at 50,000 yuan. The better the qualifications, the higher the limit; while the gold card limit is between 10,000 and 50,000 yuan.

2. Annual fees are different: The annual fee of CITIC Bank Platinum Card is generally higher than that of Gold Card, and Platinum Card usually does not participate in the annual fee-free policy, while Gold Card often only requires swiping the card for a certain number of purchases. The annual fee can be waived.

3. Different rights and interests: Platinum credit cards can often enjoy more rights and interests, such as aviation accident insurance protection, higher amount of lost card protection and other rights.

There are 8 types of CITIC Bank credit cards, namely regular card, gold card, titanium card, platinum card, black gold card, diamond card, unlimited card and world card.

Which one is better, Gold Card or Platinum Card?

First of all, I can tell you responsibly that platinum is definitely better. However, I will write you the application conditions and discounts of the two cards below. Gold Card: Application: Bring your ID card to apply, and deposit 200,000 for 3 months on a regular basis. (Your 20W cannot be used during these 3 months) Discount: Enjoy VIP channel processing business. Gold card transfer and remittance fees are discounted. Platinum card application: First, you must deposit 500,000 for 3 months regularly. Other benefits are the same as the gold card: 1. Enjoy the VIP channel to handle business, and if there is a gold card household head, handle the business of the platinum card household head first. 2. After reaching a certain point. Enjoy VIP access to the airport. 3. Platinum Card transfer and remittance fees are also discounted.

Differences in application conditions: Generally speaking, banks will approve gold cards for high-quality customers. In addition to meeting the basic requirements for applying for a credit card, people with an annual income of more than 400,000 yuan are more likely to be approved for a gold card. Platinum Card is the card issuer.

As far as ICBC is concerned, the meaning of platinum card is far greater than that of gold card. There are various preferential rates, such as transfer fees and no need to report the loss of the card, etc. The annual fee is generally around 2,000. The investment limit of the gold card may be larger than that of the platinum card. The advantage is that the annual fee can be paid through 5 purchases or purchases per year. Any amount greater than 5,000 can be deducted.

That’s it for the introduction of CITIC Diamond Credit Card.