There is no difference between China Merchants Bank's standard UnionPay credit card and UnionPay "He" credit card, but the theme of the card is different. Credit cards can be spent in any way, and there is no specific ownership. China Merchants Bank swipes cards at preferential merchants in various places. The difference mainly lies in the different preferential ranges of Puka, Gold Card and Platinum Card (such as 20% off Puka, 30% off Gold Card and Platinum Card, etc.). As for which card is a general card or a gold card, there is no difference at this point.

Similarly, in terms of staging, there is no difference in card types, mainly depending on how much quota you have approved, and you can stage within the quota.

China Merchants Bank Unlimited Card is a high-end product among credit card brands. Self-application is not accepted, and it is generally handled through the invitation of China Merchants Bank. Compared with other credit card types of China Merchants Bank, it is mainly reflected in the high quota and provides some value-added services (such as golf, airport VIP room service, car rental, etc.).

These three cards are all suitable for eating, drinking and shopping. Only for the first time, you can apply for the standard UnionPay credit card and UnionPay "He" credit card yourself, but you can't apply for unlimited cards.