1, the amount is different, and the general card amount is 1 thousand to 1 ten thousand yuan; The amount of white card is 50,000 to 6,543,800 yuan; The amount of black card is more than 6,543,800 yuan and less than 5 million yuan;

2. The annual fee is different. Annual fee of Puka 100 yuan. The annual fee for white card is 2000 yuan; Average annual fee of black card 18000 yuan;

3. The annual fee-free policy is different. Generally, Puka is free of annual fees in the first year and certain times in the second year; The accumulated consumption of white card holders reaches 4 million yuan, and the main card and the auxiliary card are permanently exempt from annual fees; The accumulated consumption of black card holders reaches 6.5438+million yuan, and the main card and the auxiliary card are permanently exempt from annual fees;

4. Different application conditions. Puka and white cards need to apply on their own initiative, and black cards need to be invited by banks.