PSBC Platinum Credit Card

What is the limit of Postal Bank Platinum Card?

The limit of Postal Bank Platinum Credit Card ranges from 100,000 to one million. This card is a higher-level credit card and requires higher personal assets. , you must provide financial certificates such as large time deposit certificates, real estate certificates, vehicle driving licenses, and business licenses. The specific credit card limit is affected by the applicant's qualifications, credit, repayment ability and other factors, so everyone's Platinum Card limit will be different.

What are the functions of the Postal Savings Platinum Card:

1. In addition to all financial functions, the UnionPay Platinum Card also provides a 24-hour exclusive platinum service hotline, online banking services, and account change text messages. Reminder service, counter priority service.

In addition, some banks have equipped platinum cards with value-added services such as public transportation accident insurance, airport VIP lounge services, health exclusive medical care, golf reservation services, and financial management butlers.

The credit limit is generally relatively large. Each bank stipulates that the maximum limit for regular cards is 50,000 yuan, the maximum limit for gold cards is 200,000 yuan, and the limit for platinum cards is generally between 100,000 yuan and 1 million yuan;

2. More noble and considerate services. The users of platinum credit cards issued by various commercial banks are very qualified users, and the bank will provide these users with more noble and considerate services;

3. Offline consumption privileges. Most platinum cards will cooperate with various airports, hotels, etc. Everyone who holds a platinum card from this bank can naturally enjoy these benefits every year;

4. Provide an interest-free period of up to 50 days . If you use a platinum card to make large purchases, the interest-free period of up to 50 days can save a lot of interest;

5. Users who hold platinum cards are more likely to get low-cost loans High interest rate. Ability to analyze Platinum card users' repayment ability and historical repayment performance are generally relatively good. If they apply for a loan, the bank is willing to issue a high-amount and low-interest loan.

Basic application conditions for platinum cards:

1. Credit rating meets standard

At present, there are two main ways to apply for platinum credit cards: invitation system and recommendation system. If citizens want to apply for a platinum card, they can directly contact the bank's customer service manager to make an appointment. At this time, the account manager will initially evaluate the applicant's credit rating to determine whether the applicant is qualified to apply for a platinum card.

The personal credit rating of banks is mainly divided by the "three-level and nine-level system", in which the main factor affecting the credit rating is the credit score. Through personal credit rating, banks can understand the applicant's credit history, credit ability and risk level. Taking Bank of China as an example, if citizens want to apply for a platinum credit card, their personal credit rating must be at least AA (including AA) or above.

2. The repayment ability is up to standard

The annual fee of most banks’ platinum cards is around 3,000 yuan, and the annual fee of some special platinum cards even exceeds 10,000 yuan, and the annual fee of the platinum card is It can only be deducted through consumption and points, so the requirements for the cardholder's repayment ability are very high.

What are the benefits of the Postal Savings Platinum Card?

The special services that Postal Savings Bank of China Platinum Card users can enjoy include: 95580 VIP hotline; preferential rates; exclusive financial management wealth.

The customer level is platinum:

1. 95580 VIP hotline: Dial the 95580 customer service hotline, select manual service-VIP customer service, and you can quickly access the VIP line.

2. Tariff discounts: You can enjoy many tariff discounts such as fee reductions and exemptions for specific services at counters, ATMs, e-banking and other channels.

3. Exclusive financial management services: You can enjoy our bank’s high-quality local and foreign currency financial products, precious metal products and other exclusive financial services.

Customer level is platinum and holds a VIP card:

1. Priority service: Priority is given to related business.

2. Special area services: You can enjoy independent and private area services through VIP counters/special areas.

3. Non-financial value-added services: Have the opportunity to enjoy non-financial value-added services such as special merchant discounts.

Specific service items are subject to announcement by the local branch.

What is Platinum Card:

Green Card (Platinum Card) is a Green Card IC card debit card issued by the Postal Savings Bank of China to customers who meet relevant assessment standards. After customers apply for a platinum card, they can enjoy corresponding financial and non-financial value-added services.

What conditions must be met to apply for a platinum card:

The sum of the daily average personal financial assets and a certain proportion of personal loan balances for three consecutive months is between 500,000 yuan (including 500,000 yuan) and Between RMB 2 million or its equivalent in foreign currency.

The rights and interests obtained by applying for a platinum credit card at Postal Savings Bank:

1. Roadside assistance service—24-hour roadside assistance and annual inspection rights

Solve problems online , roadside maintenance services, emergency towing services, special road section rescue, distress rescue, emergency taxi services, transportation taxis, accommodation services, on-going travel services, car pickup services.

2. Agency annual inspection services

1. On-site agency vehicle annual inspection services, door-to-door vehicle pick-up and drop-off services plus on-site agency vehicle annual inspection services, and agency collection services for 6-year inspection-free vehicle inspection marks

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⒉. If you apply for the Postal Savings Bank Dingzhi Platinum Credit Card now, the cardholder can enjoy unlimited all-weather roadside assistance services for the private car owned by the cardholder and enjoy one free annual inspection every year.

3. Obtain VIP privileges for free - Longteng Travel makes traveling easier.

4. Airport/high-speed rail lounge service, courtesy car service, and fast security check channel service.

5. Apply for the Postal Savings Bank Dingzhi Platinum Credit Card now, and you can get Longteng Travel VIP privileges for free: you can enjoy 4 global airport or 8 high-speed rail VIP room services every year; you can enjoy 2 airport/ Pick-up and drop-off services between high-speed rail stations and the city; enjoy 4 global airport CIP channel services.

3. Dental care service - helping you achieve a perfect smile

1. Dental cleaning service, health SMS service

2. Apply now for mailing With the Reserve Bank Dingzhi Platinum Credit Card, you can enjoy free oral care services (including oral examination, teeth cleaning, and tooth polishing) once a year and health SMS services every time.

What is the Postal Savings Platinum level?

Platinum savings must meet the following conditions. The average monthly balance of financial assets including local and foreign currency savings deposits, funds, government bonds, etc. within one year is 500,000 yuan. above. Within one year, the average monthly balance of personal loans reaches more than 1 million yuan, and the repayment status is good; within one year, the total consumption of Long Card exceeds 100,000 yuan. The annual fee is theoretically 360 yuan, but it is not charged, which means there is no annual fee. Different application conditions. The application conditions for the gold card are that the applicant is over 18 years old, has a stable job and income, has good personal credit, and has an annual income of more than 400,000 yuan, and is more likely to be approved for the gold card. Platinum Card cannot be applied for directly. Generally, banks will actively invite qualified customers to apply for platinum cards. Platinum card customers can enjoy platinum customer service hotline services and distinguished value-added services, providing higher-end services and rights than gold cards.

1. Enjoy different preferential services:

The annual fee of the platinum card is higher than that of the gold card, and the annual fee of the gold card is higher than that of the ordinary card. The Platinum Card can enjoy higher discounts than the Gold Card at preferential merchants, and the Platinum Card can enjoy many value-added services provided by the bank. For example: airport VIP lounges, free golf, skipping queues at banks, etc. UnionPay cards are divided into four categories: ordinary card, gold card, platinum card and diamond card according to card level and service permissions. Like other UnionPay cards, the UnionPay Platinum Card starts with 62 and has the UnionPay logo on the card face. In terms of appearance features, the issuing bank’s logo area on the front of the card should be printed with the “Platinum Card” product name, or the English version compared with the commonly used local words, or the uniformly designed “Platinum” Platinum Card product logo pattern on the card face. The base color of the card is usually metallic white gold.

2. Services only available at the platinum level

In addition to all financial functions, the UnionPay Platinum Card also provides a 24-hour exclusive platinum service hotline, online banking services, account change SMS reminder services and Priority service at the counter. In addition, some banks also provide platinum cards with value-added services such as bus accident insurance, airport VIP lounge services, exclusive health care, golf reservation services, and financial butlers. Platinum card is a high-end credit card or savings card jointly launched by bank card institutions and commercial banks. UnionPay card is a bank card jointly launched by China UnionPay and commercial banks. It starts with 62 and has the UnionPay logo on the card face. UnionPay cards only have the UnionPay logo on the card face and no other card logos. Usually called single-logo UnionPay card.

3. UnionPay cards are divided into four categories: ordinary cards, gold cards, platinum cards and diamond cards according to card levels and service permissions

Like other UnionPay cards, UnionPay Platinum Cards It starts with 62 and has the UnionPay logo on the card face.

In terms of appearance features, the issuing bank’s logo area on the front of the card should be printed with the “Platinum Card” product name, or in English compared with the local commonly used words, or use the “Platinum” Platinum Card product logo pattern uniformly designed by the company. The UnionPay Premium Platinum Credit Card uses the priority platinum pattern on the card surface. The base color of the card is usually metallic white gold.

4. Advantages and functions of the savings platinum card:

In addition to all financial functions, the UnionPay platinum card also provides a 24-hour exclusive platinum service hotline, online banking services, and account change SMS Reminder service and priority service at the counter. In addition, some banks also provide platinum cards with value-added services such as bus accident insurance, airport VIP lounge services, exclusive health care, golf reservation services, and financial butlers. Credit limits are generally larger. Each bank stipulates that the maximum limit for ordinary cards is 50,000 yuan, the maximum limit for gold cards is 200,000 yuan, and the limit for platinum cards is generally 100,000 to 1 million yuan.

What services does the Postal Savings Bank Platinum Card enjoy?

Customers who are platinum-level customers and hold VIP cards can enjoy the following special services:

1 .Priority service: Give priority to related business.

2. Special area services: You can enjoy independent and private area services through VIP counters/special areas.

3. Non-financial value-added services: Have the opportunity to enjoy non-financial value-added services such as special merchant discounts.

Specific service items are subject to announcement by the local branch.

The Postal Savings Bank of China can trace its history back to the postal savings business established in 1919. In March 2007, on the basis of reforming the original postal savings management system, Postal Savings Bank of China Co., Ltd. was officially established.

In January 2012, the company was restructured into a joint stock limited company. In December 2015, ten domestic and foreign strategic investors were introduced. In September 2016, it was listed on the Hong Kong Stock Exchange. In December 2019, it was listed on the Shanghai Stock Exchange.

The Bank has nearly 40,000 business outlets and serves more than 600 million individual customers. It leverages the unique advantages of the "self-operated agency" model to serve "agriculture, rural areas and farmers", urban and rural residents, and small and medium-sized enterprises. The Bank has excellent asset quality and significant growth potential, and is China's leading large-scale retail bank.

In 1950, the Postal Savings and Remittance Bureau was abolished, and the Postal Savings Agency was transformed into an agency business, collecting and depositing individual deposits and non-business mass organization deposits on behalf of banks.

In 1953, the Postal Savings Service was discontinued and the post office continued to handle remittance services.

In 1986, Postal Savings was resumed. Taking advantage of the numerous postal outlets, it widely collected and stored sporadic private funds to gather more funds for national construction.

In 1993, Postal Savings began to build the green card project.

In 2001, postal savings were connected nationwide.

In 2007, the Postal Savings Bank of China was officially established, positioning itself to serve "agriculture, rural areas and farmers", urban and rural residents, and small and medium-sized enterprises. Relying on the agency outlets of China Post Group Corporation, we have established the only "self-operated agency" operating model in China's banking industry.

In 2012, the Postal Savings Bank of China was restructured into a joint stock limited company.

In 2015, ten domestic and foreign strategic investors were introduced.

In 2016, it was successfully listed on the main board of the Hong Kong Stock Exchange and officially entered the international capital market.

In 2019, it was officially listed as a "large state-owned commercial bank" and successfully listed on the Shanghai Stock Exchange.

In 2020, it was approved to establish China Post Bank Huiwan Bank Co., Ltd., becoming the first institution among large state-owned commercial banks to participate in the direct banking pilot; it was approved to establish a credit card center franchised institution.

The difference between Postal Bank Gold Card and Platinum Card

1. The application requirements are different. The application requirements for a gold card are lower than those for a platinum card, while the platinum card has higher requirements for cardholders.

2. The cards have different properties. The gold card has services such as revolving credit, consumption installment, cash advance, optional password, etc. The Platinum Card has these benefits, and there are other benefits as well.

3. Credit card limits are different. The first limit of the Platinum Card and the Gold Card are different, with the Platinum Card being higher. Moreover, credit card holders of different levels enjoy different rights, with platinum cards having more benefits.

There are three main differences between the postal platinum card and the gold card in terms of application conditions, card nature and credit card limit. Banks divide the different levels of credit cards according to regular cards, gold cards and platinum cards. Some cards There is a difference. In addition, banks will also proactively invite qualified customers to apply for cards. Compared with the regular card, the gold card has a higher limit, and the platinum card has a slightly higher limit than the gold card.

In addition to revolving credit, consumption installment, cash advance, optional password, and other services, the Postal Savings Credit Card Gold Card also has air ticket and hotel reservations, supplementary card limit adjustment, 48-hour card loss protection, and free It offers many special services such as transaction reminders, high-limit cash advances, double birthday points, and exciting gift redemptions. It is a real credit card that meets international standards, allowing cardholders to enjoy the "swipe the card first to spend and then repay later" domestic and overseas services. Convenient and affordable, use your card anytime, anywhere, worry-free. Platinum card represents the level of credit card. Generally speaking, credit cards are divided into regular card, gold card, platinum card, diamond card, black card, etc.

Platinum-level credit cards are high-end credit cards with a dedicated 24-hour long-distance service line that provides free long-distance calls and provides unique VIP services at all times. The specific rights and interests are subject to the regulations of the card-issuing bank. It should be noted that platinum cards usually have higher annual fees. If you do not activate the card after the application is successful, it will also incur an annual fee. The annual fee will be included in the credit card bill. Overdue payment will also affect your credit score. Platinum Card is a high-end credit card or savings card jointly launched by bank card organizations and commercial banks and other institutions. UnionPay card is a bank card jointly launched by China UnionPay and commercial banks and other institutions. It starts with 62 and has the UnionPay logo on the card surface. UnionPay cards only have the UnionPay logo on the card surface and no other card brand logos. They are also usually called single-logo UnionPay cards.

What are the benefits of the Postal Savings Platinum Card?

Advantages of China Postal Savings Platinum Card: 1. Exclusive financial management space: you can enjoy priority business processing services in VIP lounges and VIP counters at postal savings institutions outlets. 2. Professional financial services: You can enjoy expiration reminder services such as regular savings, national bonds, and various loans, as well as professional financial advisors and consulting services provided by personal account managers. At the same time, the bank will regularly send me new product information, promotional information, and financial product manuals. 3. SMS notification service: When the funds in my VIP Gold Card account change, the bank will provide me with SMS notification as soon as possible. 4. Multiple preferential services: I can enjoy multiple preferential services such as reduced handling fees. 5. Warm service of the Postal Savings Bank: On every memorable day (birthday, festival, anniversary, etc.), we will send you sincere blessings.

That’s it for the introduction of PSBC Platinum Credit Card.