1. The applicant's monthly income is above 4, yuan or equivalent foreign currency, and his comprehensive credit status is good, and he has no bad credit record;

2. Customers whose credit card holders have spent a total of 1, yuan or equivalent in foreign currency in the past year (excluding occasional large-scale consumption such as car purchase and house purchase or production and business consumption) and have spent six times in the past year.

you can apply for the gold card of China merchants bank only if you meet one of the above conditions.

if you have any other specific questions, I suggest you call the customer service staff of the bank, hoping to help you.