The Platinum Card is better, but it mainly depends on the family’s economic income and specific financial strength.

1 Different credit limits: The credit limit of Bank of Communications platinum card is higher than that of gold card. Generally, the credit limit of platinum credit card starts from 50,000 yuan, while the credit limit of gold card is usually 10,000 yuan to 50,000 yuan. Of course, when actually applying for a credit card, the credit card limit still depends on the applicant's qualifications.

2 Different rights and interests: As a high-end bank credit card product, Bank of Communications Platinum Card can usually enjoy richer credit card rights than Gold Card Credit Card. In addition to the exclusive rights of Bank of Communications Platinum Card, you can also enjoy UnionPay Platinum Card. Card benefits.

3 The annual fee regulations are different: Under normal circumstances, the Bank of Communications Platinum Card credit card does not waive the annual fee policy. The annual fee is generally only applicable to the annual fee, while the Bank of Communications Gold Card can enjoy the annual fee exemption as long as the consumption is qualified. .

4 The application conditions are different: Bank of Communications Platinum Card credit card is only limited to high-quality customers with assets of more than 2 million yuan; while the Gold Card is mainly targeted at people with a fixed income of more than 80,000 yuan.