There are significant differences between gold and platinum credit cards in many aspects. The main difference is the limit. The limit of a gold card is usually between 10,000 and 50,000, while the limit of a platinum card is higher than this, usually more than 50,000 and up to less than 1 million. Platinum cards have higher thresholds and usually require cardholders to have higher income or proof of financial resources, such as an annual salary of more than 100,000 yuan or assets of more than 500,000 yuan.

In terms of services, the Platinum Card enjoys higher-level services, such as an exclusive Platinum customer service hotline and distinguished added value, such as priority business processing, special travel services, etc. In terms of annual fees, the standard for platinum cards is generally more than 2,000 yuan, while the annual fees for gold cards are lower, such as ranging from 100 yuan to 400 yuan. Some card types also provide annual fee-free policies, such as spending a specified number of times or reaching points. exchange. In addition, the preferential policies of platinum cards are often better than those of gold cards, and you can enjoy more benefits and discounts.

In general, the gold card and platinum card of credit cards are not only the difference in credit limit, but also a symbol of identity and rights. Cardholders need to have certain qualifications and spending power to apply. Which card type to choose should be determined based on personal needs and financial status.