The Bai Qilin is actually the Bank of Communications’ standard platinum card, available in two versions: UnionPay MasterCard and UnionPay Visa. The annual fee for the main card is RMB 1,000 per year, and the annual fee for additional cards is unconditionally waived. The annual fee for the main card can be deducted by reaching the standard by swiping the card or using points.

The application conditions for Bank of Communications Platinum Credit Card are as follows:

1. The applicant is over 18 years old and has full capacity for civil conduct.

2. The applicant’s job and income are stable.

3. The applicant’s annual income is more than 250,000 yuan.

4. The applicant is a manager of a listed company or a Fortune 500 company.

5. The applicant received an invitation from Bank of Communications Platinum Credit Card.