Diamond card 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. The card number starts with 62 and the UnionPay logo is printed 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.
Main categories:
UnionPay cards are subdivided into ordinary cards, gold cards, platinum cards and diamond cards according to card level and service authority.
At present, the green cartoon diamond card is the highest-level card of China Postal Savings Bank. You need to have an average daily balance of 6,543,800,000 yuan (including 6,543,800,000 yuan) or equivalent foreign currency for three consecutive months.
Like other UnionPay cards, the card number of the UnionPay diamond card starts with 62, and the card face has the UnionPay logo. The target customers are social elites and/or professional elites. Print the name of "Diamond Card" in English or English in the card issuer identification area on the front of the card, or use a unified product identification pattern of "Diamond" diamond card on the card surface. Black and black with metallic/pearlescent luster are usually used as the primary colors of the card surface.
In addition to all financial functions, UnionPay Diamond Card also provides 24-hour exclusive service hotline, online banking service, account change SMS reminder service and counter priority service. On this basis, it also provides value-added services such as public transportation accident insurance, airport VIP room service, health care, golf reservation service and financial housekeeper. In addition, the issuing bank also provides personal butler service, exclusive club reservation service and professional consultation for the card.
If you want to apply for a diamond card of the Postal Savings Bank, you need to meet the following conditions:
1. Aged between 18 and 60 years old, with full capacity for civil conduct;
2. The sum of the daily average personal financial assets and a certain proportion of personal loan balance for three consecutive months is more than 2 million yuan (inclusive) or equivalent in foreign currency. If the account is opened for less than three months, it shall be calculated by dividing the natural number of days rolled for three months (including the current month) before the rating month by the average daily financial assets and loans for three months.
For senior managers of key units, the rating standard of diamond cards is:
1. The sum of personal daily average financial assets and loans for three consecutive months is more than 2 million yuan (inclusive) or equivalent in foreign currency;
2. The company's balance is above 6,543,800+million (inclusive) or the company's loan is above 50 million (inclusive).
After the customer applies, the system will evaluate its financial assets and issue a card (card BIN is 623699) after reaching the standard. When customers go to the offline business outlets of the Postal Savings Bank, it should be noted that personal identity cards, work certificates, asset certificates and financial certificates must be fully prepared. Especially in terms of assets and financial resources, the more prepared, the better.