What are the differences between Minsheng Credit Card and Gold Card
Many people hope to apply for a gold card when they apply for a credit card for the first time, because the amount of gold card is relatively high. So, do you know the difference between Minsheng Credit Card and Gold Card? I will give you a detailed introduction today.
One of the differences between a general card and a gold card: the amount is different
The amount of a general card is 3,-15, yuan, and the amount of a gold card is 1,-5, yuan. Although it is specifically determined according to the application materials and personal credit records provided by you, it will generally not exceed this range.
The second difference between Puka and Gold Card is that the annual fee collection standard is different.
The annual fee of Minsheng Bank's credit card is Puka 1 yuan/year, and the supplementary card 5 yuan/year, with one charge in the first year and eight charges in the next year. Gold card 3 yuan/year, supplementary card 15 yuan/year, free of the annual fee for the first year, and free of the annual fee for the next year if the card is swiped for 8 times in the current year.
The third difference between the Puka and the Gold Card: the amount of aviation insurance given is different
If you use Minsheng Bank's credit card to pay the full fare or more than 8% (inclusive) of the tour fare, you will get a high aviation accident insurance of 8 million yuan for the Platinum Card, 3 million yuan for the Gold Card and 1 million yuan for the Puka Card, and you can send tickets to your door.
depending on the card type, the gold card of Minsheng Credit Card can enjoy many more privileges than the ordinary card.
what's the difference between Minsheng bank credit card, gold card and platinum card?
what's the difference between Minsheng bank credit card, gold card and platinum card?
There are many different types of credit cards of Minsheng Bank, including general card, gold card, platinum card and diamond card. The difference between general card and gold card of Minsheng Credit Card is as follows:
General card: the annual fee is 3,-1, yuan, one time in the first year and eight times in the next year.
gold card: the annual fee of 1,-5, yuan is 3 yuan, and the annual fee of the next year is exempted if you swipe your card for 8 times in the current year.
standard platinum card: 5,-1, annual fee, 6, 8 times in the first year, unlimited amount, and 5, in the next year.
luxury platinum card: the annual fee is 1,-2, yuan, and the annual fee is exempted if you brush 96, yuan in the following year.
diamond card: the annual fee is 2,-1,, yuan, and the annual fee can be waived if you brush 2,7, yuan in the following year.
Introduction:
China Minsheng Bank Co., Ltd. (SSE: 616 HKEx: 1988) is the first national commercial bank established by private capital in Chinese mainland, which was established on January 12, 1996. Major shareholders include Liu Yonghao's New Hope Group, Zhang Hongwei's Oriental Group, Lu Zhiqiang's China Oceanwide Holding Group, China Shipowners Mutual Insurance Association represented by Wang Yugui, China Life Insurance Co., Ltd., Shi Yuzhu, etc.
What's the difference between Minsheng Bank's credit card in Capka and the gold card? What's the difference between CITIC Bank's credit card in and the gold card?
The first difference between the gold card and the gold card is the design of the credit card. The background color of gold cards is generally golden yellow, which highlights the characteristics of gold cards: Puka has different colors and no obvious characteristics, and generally does not take gold as the keynote.
the second difference between a gold card and a general card is that the discount for preferential merchants is different. Because of the different card grades, the credit card discounts you can enjoy will be different. General credit card gold cards can enjoy higher discounts at preferential merchants; Puka can enjoy a slightly lower discount, just like a series of cards. In the same merchant, Gold Card enjoys a 2% discount and Puka enjoys a 1% discount.
the third difference between a gold card and a general card is that credit card points are accumulated differently. As stipulated by a bank, if a credit card is used for spending or withdrawing RMB in 1 yuan or Hong Kong dollars and 1 yuan, it can accumulate 1 point RMB1/HKD1=1 point, and if it is used for spending or withdrawing cash, it can accumulate USD1=8 points; If you use the gold card to spend or withdraw RMB 1 yuan or HKD 1 yuan, you can accumulate 2 points, with RMB1/HKD2=2 points. Spending or withdrawing 1 dollar or 1 euro can accumulate 16 points USD1 yuan or 1 euro =16 points.
the fourth difference between a gold card and a general card is that the coverage of card loss is different. Many banks have introduced credit card loss protection services, but the coverage of gold card loss is different from that of ordinary card. After the cardholder loses his/her card, the annual credit card gold card theft limit is 15, yuan, and the ordinary credit card is 1, yuan.
Differences and standards between gold card and platinum card of Minsheng Bank
1. Application standards and differences:
Puka: Puka is the lowest level credit card in banks, and some banks have silver cards, but they will also be classified as ordinary cards, which is what we call Puka. Generally speaking, applicants can apply for Puka as long as they are at least 18 years old, have a fixed occupation and stable income, and have no credit record.
gold card: in addition to the basic conditions that can meet the requirements of the bank, if you want to successfully apply for a gold card, the bank will have certain requirements on the qualifications of the applicant, have a good credit record, and earn at least a good monthly income. This is the first condition of the bank, because it is related to whether you can repay the loan normally. It is basically difficult to apply for a gold card with a salary of 3/4, yuan a month unless you have fixed assets.
platinum card: it is even more difficult to get a platinum card. Generally, you need to have at least an annual salary of more than 1, yuan or financial proof of more than 5, yuan to apply for a platinum card, including but not limited to real estate, automobile production, valuable bonds, precious metals, etc. In addition, banks will also take the initiative to invite qualified customers to apply for cards.
Second, the amount is different
Puka: The amount of Puka is at the bottom in the credit card field. Generally, the amount of Puka is within the range of 1,-1, yuan, which needs to be evaluated according to the completeness of the application materials provided by you.
Gold card: Compared with ordinary cards, the amount of gold cards is a little higher, reaching 1,-5,, which is the level of credit cards held by most office workers.
platinum card: the amount of a platinum card can reach 5,-5,, and some banks can reach 1,,-2,,. Generally, the amount will be given according to the social status and financial resources of the cardholder.
Third, the annual fee is different
Puka: Ordinary credit cards don't need an annual fee in the first year, or the bank will set a threshold for cardholders to swipe their cards, and users can be exempted from the annual fee after swiping their cards this number every year. For example, Bank of Communications Y-POWER card: annual fee 14 yuan is exempt from the annual fee for the first year, and swiping the card for six times is exempt from the annual fee for the next year.
gold card: the annual fee is generally around 3 yuan, and the annual fee for the first year is exempted. For example, China Merchants YOUNG Card: the annual fee for 3 yuan is exempted, and the annual fee for swiping the card for six times is exempted.
Platinum Card: Compared with the first two kinds of cards, the annual fee of Platinum Credit Card is still quite high, and the threshold for exempting the annual fee for credit card has become higher. However, I think that for those who can afford Platinum Card, the money is only nine Niu Yi cents. For example, CITIC I Platinum Credit Card: annual fee is 48 yuan, and the annual fee is reduced for 12 times in the following year.
What's the difference between p>216 Bank of Communications Credit Card Puka and Gold Card
1. Different colors. Each credit card has a different pattern, but this difference is more obvious on the Puka. In order to highlight the difference, most bank gold cards will use gold as the main color element of the card.
2. The credit line is different. There is a big difference in the credit line between the Bank of Communications credit card gold card and the general card. The credit line of the general card is generally 3, yuan to 1, yuan, while the credit line of the credit card gold card is usually 1, yuan to 5, yuan, and the gold card is much higher than the general card.
3. The annual fee is different. Because the amount of gold card is higher, the annual fee of credit card gold card is much higher than that of Puka. Take Bank of Communications Pacific Credit Card as an example, the annual fee of gold card is 2 yuan, and that of Puka is only 14 yuan.
4. Credit card offers are different. Because the credit card gold card has a higher level than the ordinary card, it usually has some discounts that the ordinary card does not have.
The above is a detailed introduction of the differences between the Bank of Communications credit card and the gold card. For more related articles, please pay attention to the Bank Information Port Bank column.
What's the difference between a gold card and a gold card of Minsheng Bank?
There are many different types of Minsheng Bank credit cards, including general card, gold card, platinum card and diamond card. The difference between them is as follows:
The difference between the general card and the gold card of Minsheng Credit Card is only reflected in the following aspects:
Ordinary card: the amount is 3,-1, yuan, and the annual fee is 1 yuan.
gold card: the annual fee of 1,-5, yuan is 3 yuan, and the annual fee of the next year is exempted if you swipe your card for 8 times in the current year.
standard platinum card: 5,-1, annual fee, 6, 8 times in the first year, unlimited amount, and 5, in the next year.
luxury platinum card: the annual fee is 1,-2, yuan, and the annual fee is exempted if you brush 96, yuan in the following year.
diamond card: the annual fee is 2,-1,, yuan, and the annual fee can be waived if you brush 2,7, yuan in the following year.
what's the difference between China merchants bank's general credit card and gold card?
hello, the application requirements of the gold card are higher than those of the ordinary card (including job stability, income and other financial conditions). In terms of credit limit, under normal circumstances, the credit limit of the gold card is also higher than that of the Puka (the maximum credit limit of the gold card is 5, yuan; The maximum amount of Puka is ￥ 1,). Except the annual fee (3 yuan per card for gold card and 1 yuan per card for Puka card), the usage method is the same. In addition, the gold card symbolizes honor and shows identity. Gold card holders can enjoy more credit card benefits and convenience. For example, overseas, we provide free emergency replacement cards and other services for gold card holders. < P > Other differences are as follows:
1) In terms of quota, the maximum number of gold cards is 5,, while that of ordinary cards is 1,;
2) On the annual fee, the gold card is 3 yuan, but it can be exempted by swiping the card for 6 times; Puka is a 5 yuan and can also be exempted by swiping the card for 6 times;
3) In terms of preferential treatment, the discount enjoyed by the Gold Card is higher than that of the Puka, for example, the Puka is 1% off, and the Gold Card may be 2% off;
4) the gold card also offers some additional benefits, which depends on the specific benefits of China Merchants Bank. Anyway, the benefits are definitely more than those of Puka.
What's the difference between China Merchants Bank's ordinary credit card and gold card
The difference between China Merchants Bank's ordinary credit card and gold card:
First, the amount of ordinary credit card is 3, yuan to 1, yuan; Gold card 1 yuan to 5 yuan;
second, ordinary cards enjoy discount treatment in special merchants; The gold card has no discount;
3. The consumption pattern of gold card customers' credit cards is set to consumption by signature. In the 48 hours before the customers report the loss of their credit cards, China Merchants Bank will compensate for the loss of stolen credit cards, totaling 15, yuan annually; Ordinary cards accumulate 1, yuan.
Data difference between ordinary card and gold card of China Merchants Bank
Ordinary card of China Merchants Bank: the main card of ordinary card is RMB 1 yuan per card, and the supplementary card of ordinary card is RMB 5 yuan per card;
China merchants bank credit card gold card: the main card of the gold card is RMB 3 yuan, and the supplementary card of the gold card is RMB 15 yuan;
China merchants bank credit card platinum card: the main card of the platinum card is RMB 3,6, and the supplementary card of the platinum card is RMB 2,;
China merchants bank unlimited card: RMB 1, per card for the main wireless card and RMB 5, per card for the supplementary wireless card;
elite business card of China merchants bank: RMB for each card, RMB for 3 yuan business card, RMB for 1 yuan purchasing card and RMB for 5 yuan.
China Merchants Bank Platinum Card has no annual fee exemption policy. If it is successfully applied, it must pay an annual fee. China Merchants Bank Puka and Gold Card are exempt from the annual fee in the first year and the annual fee in the following year after swiping the card for six times. Alipay recharge is included in the number of consumption.
which Minsheng credit card is worth doing? Recommend several entry-level livelihood cards!
The credit card of China Minsheng Bank is not prominent among many banks, which is not as famous as China Merchants Bank, nor as active as Pudong Development Bank.
But the credit card activity of Minsheng Bank is one of the favorites of the Wool Party.
1. Basic knowledge
1. Minsheng credit card account consolidation, just like China Merchants Bank, even if you apply for 1 Minsheng credit cards, there is only one account, only one bill will be issued, and the repayment will only be returned to any card.
The advantage of account merging is that it won't pollute the personal newspaper, as all the old drivers who took part in the Minsheng UnionPay 62 activity for several months at the end of last year know.
2. Minsheng Credit Card basically has no points for online payment, while offline payment has points for most life scenarios.
note that there is no score for refueling MCC.
Minsheng credit card points are usually valid for 3 years.
3. Minsheng Credit Card ranks in turn as Puka, Gold Card, Standard Platinum Card, Luxury Platinum Card, Express Centurion Platinum Card, Diamond Card, Unlimited Card and Express Centurion Black Gold Card.
gold card: every year in 3 yuan, if you spend a sum within two months after issuing the card, you will be exempted from the first year, and if you swipe your card for five or one foreign currency, you will be exempted from the annual fee for the following year;
standard platinum card: every year in 6 yuan, if you spend one sum within two months after issuing the card, you will be exempted from the first year. In that year, you can accumulate 18 points or 5, yuan, and you will be exempted from the annual fee for the following year.
luxury platinum and above are rigid annual fees.
2. Some entry-level credit cards
1. Minsheng in Card
This is Hua Dan, the master of people's livelihood, and he is indispensable for any activity.
main activities: 1 points to grab a Starbucks mug electronic coupon.
the activity is valid until September 3th, 217, and there is a 99% chance that it will be renewed.
2. Minsheng Car Card
I think this is the best credit card for people's livelihood, especially the standard platinum card for cars, which has the highest cost performance.
Main activities:
Gold card: if the monthly integral consumption is over 1,5 yuan, you will be given two car washes in 1 yuan, and 5% of the fuel money will be returned (the maximum 5 yuan is 1 yuan);
bidding: if the monthly integral consumption reaches 2,5 yuan, you will be given 4 car washes in 1 yuan, and 8% of the fuel money will be returned (the maximum 1 yuan is 1,25 yuan);
haobai: if the monthly integral consumption reaches 3, yuan, you will be given four car washes in 1 yuan, and 15% of the fuel money will be returned (the highest 2 yuan is 1,335 yuan).
Refueling money is very convenient to collect now. Don't miss it if you have a car.
why is the Minsheng car card so worth recommending?
Because there are no gas stations, 5541, 5542, etc. can participate.
3. Minsheng White Bar Co-branded Card
Main activities:
The activities will last until the end of February 218.
Third, people's livelihood activities
1. People's livelihood activities are the first to promote "People's Livelihood Everyday"
The activities will last until May 2, 218. The most valuable things in people's livelihood every day are food coupons on Friday and movie coupons on Saturday.
2. During the period from September 12th to November 7th, every Tuesday (1:-23:59), Minsheng Credit Card customers bought physical goods in JD.COM Mall (PC and mobile terminal) and successfully made a transaction by using Minsheng Credit Card Jingdong, which reduced 3 yuan for a single transaction over 2 yuan and above, and limited the participation of the first 2, users every day.
each cardholder is limited to one discount per day.
3. During the period from November 14th to January 2nd, every Tuesday (1:-23:59), Minsheng Credit Card customers bought physical goods in JD.COM Mall (PC and mobile terminal) and successfully made a transaction by using Minsheng Credit Card Jingdong, with a single payment of 3 yuan and above reduced to 5 yuan, with the participation of the top 1,5 users per day.
each cardholder is limited to one discount per day.
also