1. First of all, there are differences in the amount. The amount of ordinary cards is usually between 3 and 1, while the amount of gold cards is between 1 and 5.

2. There are also some differences in appearance color between the gold card and the general card. GOLD cards are mostly golden yellow, with the word Gold on the card surface, and the identity of gold card members is clear at a glance. Puka, on the other hand, has different colors and no obvious characteristics.

3. In banking services, the credit card gold card is far better than the ordinary card. For example, China Merchants Bank's card loss protection service, the gold card bank bears an annual credit limit of 15, yuan, and the ordinary card is 1, yuan; ICBC Gold Card enjoys financial treatment in some cities; Bank of communications gold card redemption points gift discount and so on.

4. The biggest difference between a gold card and a general card is the credit card discount. Usually, a gold card can enjoy a discount of 2% or less in a preferential merchant, while a Puka usually only has a discount of 1%. In addition, the gold card can also get more rewards when opening the card. For example, after the successful opening of the Ctrip co-branded card of China Merchants Bank, the gold card will give 18 Ctrip points, and the general card will give 8 points. The insurance amount of the aviation accident insurance gold card is 2 million yuan, and the general card will be 5, yuan. Air China Companion Co-branded Card's Aviation Inconvenience Insurance covers 1 yuan and Puka 3 yuan.

In terms of points rules, there are also differences between gold cards of some banks and ordinary cards. For example, the gold card of Industrial Bank Southern Airlines Pearl Card is 15 yuan RMB for a mileage point, while ordinary cards are 18 yuan RMB for a mileage point.

5. Some banks have different annual fees for gold cards and ordinary cards. Enjoy more services, and the gold card will naturally be more expensive. For example, the annual fee for the master card of Puka is 1 yuan, while the annual card for the master card of Gold Card is 3 yuan. However, some gold cards can participate in the activities of free annual fee.