Platinum card represents the level of credit card. Generally speaking, credit cards are divided into regular card, gold card, platinum card, diamond card, black card, etc. Platinum-level credit cards are high-end credit cards with a dedicated 24-hour free long-distance service line and comprehensive and exclusive VIP services at all times. Specific rights and interests are subject to the regulations of the card-issuing bank.

It should be noted that platinum cards usually have higher annual fees. If you do not activate the card after the application is successful, it will also incur an annual fee. The annual fee will be included in the credit card bill. Overdue repayment will also affect your credit report.

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Platinum Card is a high-end credit card or savings card jointly launched by bank card organizations and commercial banks and other institutions.

UnionPay card is a bank card jointly launched by China UnionPay and commercial banks and other institutions. The card number starts with 62 and has the UnionPay logo on the card surface. UnionPay cards only have the UnionPay logo on the card surface and no other card brand logos. They are also usually called single-logo UnionPay cards.

Product Introduction

UnionPay cards are subdivided into four categories: ordinary cards, gold cards, platinum cards and diamond cards based on card levels and service rights.

Like other UnionPay cards, the UnionPay Platinum Card has a card number starting with 62 and a UnionPay logo on the card face. In terms of appearance characteristics, the card issuer identification area on the front of the card is printed with the "Platinum Card" product name in English or English and local common text, or the "Platinum" Platinum Card product identification pattern uniformly designed by UnionPay is used on the card surface (UnionPay The Premium Platinum Credit Card uses the PriorityPlatinum pattern). The base color of the card is usually metallic white gold.

Holders generally need to meet the following conditions:

1. Have good personal credit and have certain financial strength.

2. Senior leaders and financial directors of party and government agencies, social groups, and fiscally allocated institutions

3. Senior leaders and financial departments of large enterprises or enterprises with good economic returns are responsible for people.

4. Customers who upgrade their cards to gold or platinum cards must meet the above access standards.

Characteristics of credit cards

1. It is not encouraged to deposit cash in advance. Spend first and repay later. It enjoys an interest-free repayment period and can repay in installments (with a minimum repayment amount). Join VISA, Master Card, JCB and other international credit card organizations so that it can be used globally.

2. It is one of the fastest growing financial services today and is an electronic currency that can replace traditional cash circulation within a certain range.

3. It has both payment and credit functions. Cardholders can use it to purchase goods or enjoy services, and can also obtain certain loans from card issuers by using their credit cards.

4. It is a high-tech product that integrates financial services and computer technology.

5. It can reduce the use of cash currency.

6. It can provide settlement services to facilitate shopping and consumption and enhance a sense of security.

7. It can promote product sales and stimulate social demand.

What is the difference between platinum and gold credit cards?

The platinum card and gold card of credit cards have the following differences: different card faces, different annual fees, different rights, different points redemption ratios, different value-added services, etc.

Credit cards can be divided according to levels: regular card, gold card, small platinum card, large platinum card, diamond card, black card, etc. Similar to membership level, as the level increases, there will be more corresponding value-added services. So it can be distinguished from these aspects.

First: The card faces are different

Gold cards generally have a golden card face, while platinum cards generally have a silver-white card face. The gold card has the English letters gold, gold. On the platinum card, there are the English letters of platinum, platinum. Of course, the platinum card is also a representative of status, so the card will naturally be made with more texture and the workmanship will be more detailed.

Second: The annual fees are different

The annual fees for gold cards can generally be waived. Generally, the annual fee is waived in the first year, and after a few transactions each year, the annual fee is waived for the following year. But the annual fee for the Platinum Card is different. There are also platinum cards that can be waived, but the conditions will be higher, and some high-end platinum cards have a rigid annual fee. The first year's annual fee must be charged, but in the second year, it can be deducted with points. Lose. The platinum card has a higher level than the gold card, so the annual fee is naturally higher.

Third: Different benefits

Since the Platinum Card has an annual fee, it also has more benefits. Common rights include: physical examination, teeth cleaning, driving, etc. Correspondingly, the gold card does not have these rights. There are only general rights and interests. Of course, these rights and interests are also available with Platinum Card.

Fourth: Points redemption ratios are different

The points of gold cards and platinum cards can be redeemed for airline miles. But the redemption ratio is different. For example, the redemption ratio of gold card points to mileage is 20:1, then the redemption ratio of platinum card is 15:1. Due to different levels, the redemption ratio of Platinum Card points will be lower.

Fifth: Different value-added services

The gold card does not have any value-added services, but the platinum card has many value-added services. For example, flight delay insurance, airport high-speed rail VIP lounge, etc. These services are provided by banks and merchants in cooperation. So as a platinum card holder, these value-added services are naturally paid for by the bank.

In addition to the above five differences, there are some other differences. For example, the application threshold for platinum card is relatively high, while the application threshold for gold card is relatively low. There is also a platinum card with an exclusive platinum secretary, while the gold card only has official customer service. Everything else is pretty much the same.