Bank of Communications’ Platinum Credit Card is a high-end credit card with relatively strict application conditions. First of all, having a certain credit history and a good credit record are the basis, because platinum cards are usually accompanied by higher overdraft limits and rich preferential services. The following are the specific requirements for application: Ward customers of Bank of Communications can directly apply for a platinum card, indicating that you are already one of the bank's high-end customer groups. For customers with assets of RMB 500,000 to RMB 1 million, they can apply for a credit limit of RMB 60,000 to RMB 150,000. The increase in asset size will lead to a higher credit limit. For customers with assets of 1 million to 2 million, the quota range can be increased to 100,000 to 300,000, showing the emphasis on high-asset customers. For customers with assets of more than 2 million, the upper limit can reach 100,000-500,000, which shows that banks are more generous in credit support for high-quality customers.

The benefits of applying for a platinum card include: In terms of annual fees, although the annual fee of 1,000 yuan for the main card seems expensive, Bank of Communications provides a discount of 250,000 points to offset the annual fee, which is very beneficial to cardholders. Said it was quite affordable. In terms of points policy, the Bank of Communications Platinum Card has a unique points mechanism. You can get 3 times the points for U.S. dollar purchases, and get extra points for birthdays. The points can be exchanged for airline miles, which increases the use value. In addition, the Platinum Card also provides free driving service, and you can enjoy 6 50-kilometer driving services per year to solve the problem of drunken travel for cardholders. Gas rebates are another highlight. Cardholders can get 100 yuan in cash rebates every month. For car owners, this is a real economic benefit. The Red Friday event brings additional cash back benefits to consumers. Platinum card users enjoy a credit bonus ratio of up to 10%, making shopping more cost-effective.

To sum up, applying for Bank of Communications Platinum Card not only requires certain assets and credit background, but also allows you to enjoy a series of distinguished rights and real benefits after holding it.