The main functions are different: the gold card of China Merchants Bank has financial management functions, mainly involving funds and foreign exchange. Generally, according to the user's star rating, you can also enjoy some VIP services, such as giving priority to handling business at the counter, not waiting in line, and reducing the transfer and remittance fees. And ordinary cards generally only have basic functions such as transfer and cash withdrawal.
The customer groups are different: China Merchants Bank's gold card is issued to high-end customers of the bank, while Puka is issued to ordinary users of the bank.
Different services and offers: China Merchants Gold Card can enjoy more exclusive services and preferential activities, such as airport VIP lounge, free hotel accommodation, etc. China Merchants Puka provides basic credit card and consumption functions as well as a small number of preferential activities.