The difference between gold card and platinum card is mainly reflected in the limit, annual fee and benefits.

The threshold for gold card is lower than that of platinum card. High-quality users can apply for gold card, while platinum card needs to be invited or recommended by the bank. Only high-end customers who meet certain conditions, such as annual income of more than 200,000, will the bank take the initiative. invite.

The credit limit of a gold card is generally around 50,000, while a platinum card can reach 100,000 or more. For example, Minsheng Bank’s Diamond Platinum Card can reach a credit limit of 3 million. Each company’s risk assessment system and business The model will also consider the limit range of different platinum cards.

Since the platinum credit card has a higher level than the gold card, the annual fee is also higher than the gold card. The current annual fee for platinum cards ranges from about 2,000 to 4,000 yuan, and some special platinum cards even have annual fees exceeding 10,000 yuan. Moreover, platinum cards cannot directly enjoy annual fee reductions and exemptions, and can only be reduced through points and consumption.

The Platinum Card enjoys greater discounts than the Gold Card. Not only can you enjoy daily consumption, but you can also enjoy many special services, such as VIP rooms at the airport and the highest hotel configurations, etc., while the Gold Card generally You can only enjoy partial fee discounts and cannot directly enjoy special services.