The difference between gold card and platinum card is mainly reflected in the limit, annual fee and benefits. Credit card levels are divided into regular card, gold card and platinum card from low to high. Generally speaking, there is not much difference between gold card and regular card. The theoretical lower limit of gold card and regular card is the same, which is generally around 10,000. The limit of a platinum card is usually more than 50,000.
1. Platinum Card: Platinum Card is a credit card launched by the card issuer to distinguish it from Gold Card customers, and provides higher-end services and benefits than Gold Card. Usually, banks will actively invite qualified customers. By applying for a platinum card, platinum card customers can enjoy platinum customer service hotline services and distinguished value-added services. Generally, the application criteria for bank platinum cards are an annual salary of more than 100,000 yuan or proof of financial resources of more than 500,000 yuan.
2. Gold Card: The application standards for Gold Card are much higher than those for regular cards. In addition to basic requirements such as a fixed job, stable income and good credit, the bank will also assess the applicant’s income. There are certain level requirements. It is difficult to apply for a gold card of a credit card with an income of three to four thousand a month. Only by submitting proof of fixed assets to the bank can you apply for a gold card.
3. Limit:
Gold card (limit 10,000-50,000 yuan), platinum card (limit 50,000 yuan to 1 million yuan).
4. Annual fee standard:
The annual fee for domestic ordinary cards is 100 yuan for gold cards, 200 yuan for international dual-currency gold cards, 400 yuan for business gold cards, and 2,000 yuan for platinum cards. .
5. Annual fee-free policy:
The annual fee for all supplementary cards is half of the annual fee for the main card. The gold card is exempted from the annual fee for the next year by swiping the card 5 times, and the platinum card is 16 times. 10,000 points in exchange for an annual fee or 200,000 points waived. Platinum card holders who have accumulated a consumption of 4 million yuan can be given a permanent annual fee exemption for their primary and secondary cards. ICBC credit cards do not charge annual fees if they do not open the card.
4. Card preferential policies:
The promotional preferential policies for platinum cards and gold cards with different co-branded themes of ICBC credit cards are also different at different times. The preferential and discount rates enjoyed by platinum cards are relatively More gold cards.
Extended information
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 often called single-logo UnionPay cards.
Reference: Baidu Encyclopedia-Platinum Card