1. Different colors: the background color of the gold card is mainly golden yellow, which highlights the characteristics of the gold card; Puka, however, has different colors and no obvious characteristics, and it is not based on gold.

2. The discount of preferential merchants is different: the credit card gold card can enjoy a higher discount at preferential merchants; Puka can enjoy a slightly lower discount, just like a series of cards. In the same merchant, Gold Card enjoys a 2% discount and Puka enjoys a 1% discount.