Platinum credit card starting with 62
UnionPay’s standard credit card starting with 62 is a single-currency credit card. It can only be used as an overdraft in RMB. There is nothing special about it. It can be applied for by every bank. . VISA starting with 4, MasterCard starting with 3, American Express and JCB.
The rest are dual currencies, such as RMB and US dollar, RMB and Hong Kong dollar, RMB and Euro, etc. ***Use one account!
The main features of UnionPay cards prefixed with 62 are: they start with the number 62 and have a unique UnionPay logo on the card face.
The benefits of using UnionPay cards prefixed with 62 mainly include the following six aspects:
1. UnionPay cards prefixed with 62 are China’s independent UnionPay card brands. UnionPay cards prefixed with 62 are in compliance with UnionPay's business specifications and technical standards, adopt the international standard BIN number prefixed with 6 prefixed to UnionPay by the International Standards Organization (ISO), are issued by each issuing bank, and bear the UnionPay logo on the card surface. .
2. No currency conversion fee. Currency conversion fees are waived when using UnionPay cards prefixed with 62 when using the UnionPay network overseas. If you use a dual-currency card and use other networks, the cardholder must pay a certain currency conversion fee, usually 1%-2% of the transaction amount. Example: The cardholder spent HKD 10,000 in Hong Kong on June 4, 2010, using a UnionPay card prefixed with 62. Calculated based on the exchange rate of RMB to Hong Kong dollars on that day (1:1.1408), the cardholder's account showed a deduction of RMB 8,764; while using For a dual-currency card, this consumption must first be converted into U.S. dollars. According to the exchange rate of Hong Kong dollars to U.S. dollars on that day (1:0.1284), the user will spend 1,284 U.S. dollars, and a currency conversion fee of 1%-2% of 12.84-25.68 U.S. dollars will be charged. Converted to RMB based on the US dollar to RMB exchange rate of 6.8285, the cardholder's account shows a deduction of RMB 8854.56-8942.23, so the cardholder spent an additional RMB 90.56-178.23.
3. You can participate in the card swiping gift activities organized by China UnionPay and various commercial banks. With a UnionPay card prefixed with 62, you can participate in all marketing activities organized by China UnionPay, and enjoy value-added services such as cash, gifts or points rewards with card swiping, while other UnionPay cards can only participate in some marketing activities organized by China UnionPay, and the activity policies are also different. There is a difference.
4. You can enjoy discounts and other benefits when swiping your card at special merchants. By the end of 2009, there were more than 30,000 UnionPay card-selected merchants nationwide, and cardholders with UnionPay cards prefixed with 62 can enjoy discounts and other benefits when swiping their cards at these merchants.
5. Currently, it can be used in 90 overseas countries (regions). Cardholders of UnionPay cards prefixed with 62 can currently make card purchases and withdraw cash from ATMs in 90 countries (regions) across five continents, including Europe, the United States, Korea, Japan, Southeast Asia, Hong Kong, Macao, Australia, New Zealand, the Middle East, South America, and Africa.
6. No inter-bank withdrawal fees. At present, 8 banks in our province have launched preferential policies for UnionPay cards with a prefix of 62, such as Harbin Bank’s Lilac Card, China Everbright Bank’s Sunshine Card, Provincial Rural Credit Cooperative’s Crane Card, Industrial Bank’s Industrial Card, and Longjiang Bank’s Dragon Card. Jiang Card, China CITIC Bank's CITIC Card, China Guangfa Bank's Guangfa Card, Hana Bank's Hana Card, etc., can withdraw all or part of the inter-bank withdrawal fees at any ATM (automated teller machine) of any bank in the province or country. .
What kind of UnionPay card starts with 62?
Those with numbers starting with 62 are UnionPay cards. The specific type can be further determined based on other marks on the card surface. The following introduces you to the relevant types of UnionPay cards.
1. What is a UnionPay card?
A UnionPay card is a bank card that starts with “62” and has the UnionPay logo on the card surface.
2. What types of UnionPay cards are divided into
(1) According to the type, they can be divided into debit cards and credit cards:
Debit cards< /p>
Debit card refers to a bank card in which the cardholder first deposits money at the card-issuing bank and then makes purchases. Debit cards are easy to carry. You can deposit and withdraw money at the bank counter or at an ATM. It is very convenient. You can also earn interest by depositing with a debit card.
Credit Card
A credit card refers to a bank card in which the card-issuing bank gives the cardholder a certain credit limit, and the cardholder can consume within the credit limit first and repay later. The difference between a debit card and a credit card is that there is a 3-digit CVV code printed on the signature line on the back of the credit card.
(2) Distinguished by level
Divided according to level, it can be divided into regular card, gold card, platinum card and diamond card:
Plain card< /p>
All UnionPay cardholders can enjoy safe and convenient card use services. UnionPay cards are not only universal and easy to use domestically, but can also be used in more than 140 countries and regions overseas. Whether you want to shop, travel or enjoy delicious food, UnionPay card is your best assistant.
Gold Card
On the basis of the benefits of the regular card, gold card holders can not only enjoy a higher credit limit, but also enjoy the rich and colorful services provided by UnionPay and the card-issuing bank. Special services, such as roadside assistance, insurance services, etc., to make your life more convenient and comfortable.
Platinum Card
UnionPay and card-issuing banks provide Platinum Card holders with a variety of services such as Platinum Secretary, Platinum Business District, and Green Food Online Ordering, through considerate and thoughtful services , allowing Platinum Card holders to enjoy a higher quality of life.
Diamond Card
UnionPay cooperates with card-issuing banks to provide Diamond Card holders with more personalized services, such as high-end hotel membership privileges, high-end club services, and UnionPay Platinum VIP Lounge services. etc., through high-quality exclusive services, highlighting the distinguished status of cardholders.
Are there any special uses for the Platinum Credit Card?
The Platinum Card has the following uses:
1. High limit. The consumption limit of a platinum credit card is at least 50,000 yuan, usually 100,000 yuan, which can meet consumption needs.
2. Many rights and interests. You can enjoy more considerate and distinguished services. For example, free VIP rooms at airports and high-speed railways, redeeming air miles; medical registration services; complimentary insurance; points redeemable for star-rated hotels; dedicated customer service, professional financial advisors, health services, interest-free period of up to 50 days, etc. Of course, platinum cards are generally used by high-end customers, who need to have a higher consumption record and have a relatively high annual fee
Platinum Card (PlatinumCard) is jointly launched by bank card organizations and commercial banks and other institutions. high-end credit or debit cards. 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. 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 usually also called single-logo UnionPay cards. UnionPay cards are subdivided into four categories: ordinary cards, gold cards, platinum cards and diamond cards based on card levels and service rights. Like other UnionPay cards, the UnionPay Platinum Card starts with 62 and has the UnionPay logo on the card face. In terms of appearance characteristics, the card issuer identification area on the front of the card is printed with the "Platinum Card" product name in English or English and local common text, or the "PLATINUM" platinum card product identification pattern uniformly designed by UnionPay is used on the card surface (UnionPay The PRIORITY PLATINUM credit card uses the PRIORITYPLATINUM pattern).
The base color of the card is usually metallic white gold. In addition to all financial functions, the UnionPay Platinum Card also provides a 24-hour exclusive platinum service hotline, online banking services, account change SMS reminder services, and counter priority services. In addition, some banks have equipped platinum cards with value-added services such as public transportation accident insurance, airport VIP lounge services, health exclusive medical care, golf reservation services, and financial management butlers.
There are two Bank of China Great Wall Global Connect Platinum Credit Cards, one starts with 62 and the other starts with 51. The one you open is better
You can accumulate points through consumption. For details, "Credit Card Transaction Points Rebate Plan" Please refer to the Bank of China Points 365 website () for details of "Rules and Terms".
The above content is for your reference, please refer to actual business regulations.
Does the CITIC i-Car Platinum Card begin with 62?
The CITIC i-Car Platinum Card does not begin with 62. The activity is updated relatively quickly, and the activity for platinum cards starting with 62 has ended. The standard car owner credit card issued by China CITIC Bank has three levels: gold card, platinum elite level and platinum distinguished level.
Platinum Card (UnionPay Common) What does "UnionPay Common" mean?
"UnionPay General Card" literally means "UnionPay Ordinary Card". Platinum 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. Like other UnionPay cards, the UnionPay Platinum Card starts with 62 and has the UnionPay logo on the card face. In terms of appearance characteristics, the card issuer identification area on the front of the card is printed with the "Platinum Card" product name in English or English and local common text, or the "Platinum" Platinum Card product identification pattern uniformly designed by UnionPay is used on the card surface (UnionPay The Premium Platinum Credit Card uses the PriorityPlatinum pattern). The base color of the card is usually metallic white gold.
The benefits of the UnionPay Platinum Card include:
1. In addition to all financial functions, the UnionPay Platinum Card also provides a 24-hour exclusive platinum service hotline, online banking services, and account change SMS reminder services. , Priority service at the counter. In addition, some banks have equipped platinum cards with value-added services such as public transportation accident insurance, airport VIP lounge services, health exclusive medical care, golf reservation services, and financial management butlers.
2. 24-hour unconditional return and exchange
UnionPay Platinum Card customers can enjoy exclusive unconditional return and exchange service within 24 hours after receiving the goods. This service is limited to orders made by the UnionPay Platinum Card holder himself. , if you are not satisfied with the product you purchased within 24 hours after signing the order, you can call 400-110-0755 at any time to apply for an unconditional replacement of a product of equal value or directly apply for a refund.
When you apply for "unconditional return or exchange within 24 hours", you should do so within 24 hours after confirming receipt of the goods, and the specific logistics receipt time shall prevail.
That’s it for the introduction of platinum credit cards starting with 62.