Hello, 1. The credit card grades of China Merchants Bank are: black gold card, unlimited card, platinum card, gold card and ordinary card. 2. The difference between a gold card and an ordinary card: Amount: The maximum amount of a gold card is RMB 50,000; The maximum amount of Puka is RMB 6,543,800 yuan. Annual fee: 300 yuan per card per year for Gold Card and 100 yuan per card per year for Puka. Benefits: Gold card holders can enjoy more credit card benefits and convenience. For example, overseas, we provide free emergency card replacement services for gold card holders. The credit card limit is comprehensively evaluated according to the financial certificate submitted by the customer.