The main differences between a universal card and a gold card are as follows: ① The asset requirements are different: you can apply for a gold card when the average daily total assets reached 50,000 yuan (inclusive) last month; 2. Gold card window: the gold card has a special gold card window on the counter; 3. Enjoy different benefits: For example, gold card customers generally enjoy 50% discount on "deposit and withdrawal fees in different places" and "transfer and remittance fees"; 4. Exclusive financial management: Gold Card has exclusive financial products and junior financial managers; ⑤ General cards are UnionPay cards, while gold cards are UnionPay cards and international debit cards. UnionPay cards can be collected on the day of application, and international debit cards can be collected within 3-5 working days after application. In case of any change, the latest announcement of our bank shall prevail.