What does platinum card mean?

Platinum card is a high-end credit card or savings card jointly launched by commercial banks and bank card organizations. The most common one is platinum. Credit card products. Generally, the limit of platinum credit cards is more than 50,000 yuan, and users who apply for platinum cards can enjoy relatively rich rights and interests, and can enjoy VIP services in many places. In addition, in some merchant promotions, the discounts you can enjoy are greater than those on other credit card products.

As for the Platinum Card Savings Card product, the user's assets are required to reach a certain standard before they can be applied for. If you become a Platinum Card Savings Card customer, you can enjoy the bank's VIP services.

1. What is the difference between Platinum Card and Gold Card?

1. Application conditions are different

The application conditions for the Gold Card are that the applicant is over 18 years old, has a stable job and income, and has good personal credit and an annual income of more than 400,000 yuan. There is a greater possibility of getting a gold card approved.

Platinum cards cannot be applied for directly. Generally, banks take the initiative to invite qualified customers to apply for platinum cards. Platinum card customers can enjoy platinum customer service hotline services and distinguished value-added services and provide higher-end services than gold cards. and rights. Generally, the application criteria for platinum credit cards of banks are an annual salary of more than 100,000 yuan or proof of financial resources of more than 500,000 yuan.

2. The approved limits are different

The limit for gold cards is generally 10,000 yuan to 50,000 yuan; for platinum cards, it is 100,000 or even 500,000 yuan.

3. Different annual fees

The annual fee of the Platinum Card is higher than that of the Gold Card, while the annual fee of the Gold Card is higher than that of the Regular Card.

4. Different preferential services are enjoyed

The Platinum Card can enjoy higher discounts at preferential merchants than the Gold Card, and the Platinum Card can enjoy many value-added services provided by the bank. For example: airport VIP lounges, free golf, skipping the queue at the bank, etc.

2. What are the application requirements for Platinum Card?

Each bank’s platinum card application conditions are different. Here is a brief introduction to the major bank’s platinum card application requirements:

1. Guangfa Bank: annual income of more than 150,000, name It has real estate, vehicles and other assets, and supports online application for platinum cards.

2. China CITIC Bank: It is necessary to provide income statement, deposit certificate, real estate certificate, and vehicle certificate. Online application for Platinum Card is supported.

3. Minsheng Bank: annual income of more than RMB 200,000, middle-level managers of provincial units, local top 50 or local high-quality enterprise employees. If you apply for a card by card, you need to hold a credit card with an amount of more than RMB 50,000 (inclusive), and you can apply for a platinum card if you hold the card for more than half a year.

4. Shanghai Pudong Development Bank: All assets of an individual in the name of Shanghai Pudong Development Bank shall reach an average of 300,000 yuan per day within the one-month review period.

5. Industrial and Commercial Bank of China: The annual consumption amount of the card holder reaches 100,000 yuan and the number of transactions reaches 24 or holds a platinum credit card from another bank, and the average daily deposit reaches 500,000 yuan (inclusive) for more than six months (inclusive) ) or personal deposit reaches 1 million yuan.

6. China Construction Bank: personal annual income of more than 300,000 yuan.

7. Agricultural Bank of China: Annual income of 500,000 or direct VIP customers are invited to apply for the card.

What does the bank’s platinum card mean?

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.

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. It 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 starts with 62 and has the 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, MasterCard, 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. Can promote product sales and 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.

What is a platinum credit card?

Platinum credit card is a credit card that serves high-end users. The approval process is strict. The personal annual income must be at least 200,000, and sometimes it is necessary to deposit it in the bank where it is processed. It is possible to handle it only with assets, and the amount is more than 50,000. The special services of the Platinum Card are mainly reflected in golf, airport VIP, free physical examination, mileage redemption, emergency support services, etc. The services are high-end enough so there is no way to save on the annual fee, which can range from a few thousand to a few hundred. Bank VIP services, airport VIP lounges, complimentary high-value aviation accident insurance, discounts from preferential merchants, free golf in many cities across the country, points redemption for distance, free car rescue, no appointment for physical examination at a tertiary hospital, no need to queue, etc. These are all standard platinum cards that can be enjoyed;

The limit of the platinum card is much higher than that of the ordinary card and gold card. Moreover, this also shows more noble status and marks the cardholder as a successful person. . Limit distance: Standard platinum credit cards have a higher starting limit, with a common starting credit limit of more than 100,000, while the limit of "little platinum" is usually only slightly higher than that of gold cards. Depending on the qualifications, the starting limit is usually 30,000. ranging from 50,000 to 50,000. Annual fee distance: Normally, the annual fee for a standard platinum card will be as high as several thousand yuan, but "little platinum" can waive the annual fee or offset it by swiping cards and points.

1. Service distance: The advantages mentioned above are usually only for standard credit cards, and the services that "little platinum" can enjoy are very few. Due to the special nature of platinum cards, many platinum cards from some banks will usually be approved if they are applied automatically. These banks prefer to automatically send invitation letters to invite qualified users to upgrade to platinum cards. PlatinumCard: It is targeted at the top people in society, such as business managers, senior executives, etc. In addition to charging high annual fees, it will also provide more thoughtful additional services for high-level people who often travel abroad. Such as airport VIP lounges, free car towing, high accident insurance, golf membership card discounts, etc.

2. The application rules for platinum credit cards vary from bank to bank. Platinum cards are high-end cards that require more information to be submitted and higher asset requirements. Take CCB as an example (CCB’s standard platinum card is relatively easy to apply for). You need to submit a large area of ??real estate under your name, as well as a large deposit in the bank. The specific amount is also very vague from the bank’s customer service. If you want to apply for a platinum card, you might as well try Bank of Communications’ standard platinum card. The Bank of Communications advertises that the annual fee is waived for 18 purchases per year. Such conditions are also very favorable. Most of them are free of annual fees, and the annual fees are very expensive. Of course, they also provide many services, such as large-amount insurance, airport insurance, etc. VIP room services and so on.

This is the end of the introduction about what a platinum credit card is and what platinum credit cards have no annual fee. I wonder if you found the information you need?