Platinum credit card is one grade higher than gold card, and the application conditions, credit limit, annual fee rules and exclusive rights are different. According to different card-issuing banks, the specific situation will be different, depending on the information published by the bank.

The general differences between gold and platinum cards are as follows:

1. Application conditions: Compared with gold cards, the application threshold for platinum credit cards is much higher. In general, platinum cards adopt recommendation system and invitation system. Only when certain conditions are met, for example, the annual personal income reaches more than 654.38+10,000, will the bank actively invite users to apply.

2. Credit limit: The credit limit of most gold cards is around 50,000, while the credit limit of platinum cards is above 654.38+10,000, or even higher. Because the risk assessment system and main business model of each bank are different, even if you apply for a platinum card, you will get different credit lines.

3. Annual fee rules: Gold cards can generally reduce the annual fee according to the number of consumption, while platinum cards generally have no annual fee reduction concessions, and the annual fee is rigidly charged, and the charging standard is relatively high.

4. Different rights and interests: The rights and interests of gold cards are equivalent to ordinary cards, while the rights and interests of platinum cards are more, most of which are VIP treatment.

The difference between platinum card and gold card

The main differences between platinum card and gold card are as follows:

1, the quota is different, the gold card quota is low, and the platinum card quota is high.

2, the annual fee is different, the number of gold card swipes is free of annual fee, and most platinum cards are rigid annual fee.

3, different rights and interests, most gold cards have no rights and interests, and platinum cards will have free VIP room transfer.

4, the threshold is different, the gold card basically has no threshold, and you can apply if you have a job. Platinum cards have requirements for work, income and assets, and the approval is strict.

5. The value of points is different. Most of the gold card points can be exchanged for pots and pans, while most of the platinum card points can be exchanged for air miles, and the mileage can be flown for free. If used well, the value will be high!

The earliest credit card appeared at the end of 19. From 65438 to 1980s, the so-called credit card was developed in British clothing industry, followed by tourism and business departments. However, at that time, the card could only be used for short-term commercial credit, and the money had to be paid back as needed. There was no long-term default and no credit line.

Credit cards are generally plastic cards with a special carrier, with a length of 85.60 mm, a width of 53.98 mm and a thickness of1mm. The name of the card issuer, the expiration date, the number and the name of the cardholder are printed on the front, and the chip, magnetic stripe and signature strip are printed on the back. Cardholders can use credit cards to shop, spend money and deposit and withdraw cash from banks.

What is the difference between a gold card and a platinum card?

The difference between gold card and platinum card is mainly reflected in the amount, annual fee and rights and interests. Credit cards are divided into ordinary cards, gold cards and platinum cards from low to high. Generally speaking, there is little difference between a gold card and an ordinary card. The theoretical lower limit of gold card and ordinary card is the same, generally around 1 10,000, while the amount of platinum card is usually above 50,000.

1. Platinum card: Platinum card is a credit card issued by card issuers to distinguish it from gold card customers, and provides higher-end services and benefits than gold card. Usually, banks will take the initiative to invite qualified customers to apply for platinum cards, and platinum card customers can enjoy platinum customer service hotline service and distinguished value-added services. Generally speaking, the application criteria for bank platinum cards are mostly annual salary above 6,543,800 yuan or financial certificate above 500,000 yuan.

2. Gold card: The application standard of gold card is much higher than that of ordinary card. In addition to the basic requirements such as stable income and good credit information, banks also have certain requirements for the income level of applicants. It is difficult to apply for a credit card with a monthly income of 3,000 to 4,000 yuan. It is only possible to apply for a gold card if you go to the bank to submit a certificate of fixed assets.

3. Quota:

Gold card (amount 1 10,000-50,000 yuan) and platinum card (amount more than 50,000 yuan 1 10,000 yuan).

4. Annual fee standard:

The annual fee for domestic ordinary cards is 0/00 yuan for gold card/kloc, 2,000 yuan for international dual-currency cards, and 200 yuan and 400 yuan for business cards and platinum cards.

5. Free annual fee policy:

The annual fee of all supplementary cards is half of the annual fee of the main card, and the annual fee of the following year is exempted for five swipes of the gold card, and the annual fee of 200,000 points for the platinum card160,000 points is exempted. Platinum card holders spend a total of 4 million yuan, and the main and auxiliary cards can be permanently exempted from annual fees. ICBC credit cards do not charge annual fees if they do not open cards.

4. Credit card preferential policies:

ICBC credit cards have different promotion preferential policies for platinum cards and gold cards with different joint themes in different time periods. Platinum cards enjoy more benefits and discounts than gold cards.

Extended data

PlatinumCard is a high-end credit card or savings card jointly launched by bank card organizations and commercial banks.

UnionPay card is a bank card jointly launched by China UnionPay and commercial banks. It starts with 62 and has the UnionPay logo on the card surface. UnionPay cards only have the UnionPay logo on the card surface, and there are no other card brand logos, which are usually also called single logo UnionPay cards.