In our daily lives, bank cards are the payment tools we often use. According to the needs of users and the service positioning of banks, bank cards are divided into various types, the most common of which are gold cards and ordinary cards (ordinary cards). So, what exactly is the difference between Gold and Puka? This article will explain professionally from multiple aspects and analyze it with examples.
1. The basic difference between gold card and general card.
Quota differences: Jin** often has a higher credit limit than ordinary cards, which is suitable for customers with higher consumption needs.
Annual Fee PolicyThe annual fee for a gold card is usually higher than that for a regular card, but many banks offer a waiver of the annual fee for the full amount of the card.
Value-added servicesGold card users can often enjoy more value-added services, such as airport VIP lounges, golf course discounts, etc.
Design: Gold cards are generally made of gold or higher-end materials, and the appearance is more exquisite.
Insurance services: Some Gold cards will come with some insurance services, such as travel accident insurance, airline delay insurance, etc.
2. Detailed introduction of gold cards and ordinary cards of the top 10 banks.
Bank of China: The gold card has a high limit and the general card threshold is low, and the annual fees of both can be reduced or reduced by swiping the card.
Industrial and Commercial Bank of China: The gold card provides a number of value-added services, and the general card focuses on basic functions and has a flexible annual fee policy.
Agricultural Bank of China: Both Gold Card and Puka support installment payment, and Gold Card has more preferential activities.
China Construction Bank: The gold card focuses on high-end services, and the general card is suitable for mass consumption, and the annual fee is waived.
China Merchants Bank: Gold card and ordinary card have a wealth of points exchange activities, and there are many value-added services for gold cards.
Shanghai Pudong Development Bank: The gold card provides high-end travel services, and the general card focuses on daily consumption discounts.
China CITIC Bank: The gold card comes with a number of insurance services, and the annual fee of the general card is low.
China Everbright Bank: Both gold card and general card have good installment policies, and the gold card has a higher limit.
Minsheng Bank: Gold card focuses on high-end customer experience, and Puka is suitable for ordinary families.
Hua Xia Bank: Gold card and general card have a stable points accumulation system, and the gold card has rich value-added services.
3. How to choose between Gold Card or Puka?
Choose according to consumer needs: If the demand for daily consumption is high, it is recommended to choose the gold card to get a higher limit and more value-added services.
Consider the annual fee policyIf you are worried about the high annual fee, you can choose a bank with a flexible annual fee policy or a card that waives the annual fee when you swipe the full amount.
Keep an eye out for promotions: Different banks' gold cards and general cards have their own preferential activities, and you can choose the most suitable one according to your consumption habits.
Learn about value-added services: If you have a special need for certain value-added services (e.g. airport lounges, golf course discounts, etc.), you can choose to offer these services with a Gold card.
4. Recommendations. When choosing a gold card or a regular card, you should fully understand your consumption needs and repayment ability, and avoid unnecessary burdens caused by blindly pursuing high-end cards.
Read the terms and conditions provided by the bank carefully to understand the key information such as the annual fee policy, points redemption rules, etc.
In the process of use, it is necessary to reasonably plan the credit limit and maintain a good repayment record to improve the personal credit rating and the possibility of future limit adjustment.
Regularly pay attention to the updates of preferential activities and value-added services launched by banks to make full use of card resources to obtain more benefits.