The background color of gold cards is generally golden yellow, which highlights the characteristics of gold cards, while Puka has different colors and no obvious characteristics.

2. Different card opening offers

For example, after the Ctrip co-branded card is successfully opened, the gold card will give Ctrip 1800 points and Puka 800 points; Aviation accident insurance gold card insured amount is 2 million yuan, and Puka insured amount is 500,000 yuan; Air China Companion Co-branded Card covers the aviation inconvenience insurance 1 1,000 yuan, while ordinary card covers the inconvenience insurance in 300 yuan.

3. The coverage of lost cards is different.

After the cardholder loses his card, the bank will bear the credit card theft limit of 15000 yuan and the credit card will bear the credit card theft limit of 10000 yuan every year.

Extended data bank card refers to a credit payment tool approved by commercial banks (including postal financial institutions), which has all or part of the functions of consumer credit, transfer settlement, cash deposit and withdrawal, etc. Bank card reduces the circulation of cash and checks, which makes the banking business break through the limitation of time and space and undergo fundamental changes. The application of bank card automatic settlement system makes the dream of "no cheque, no cash society" come true.

Classification of bank cards

Under normal circumstances, bank cards are divided into credit cards and debit cards according to whether credit lines are granted to cardholders. In addition, bank cards can also

According to different information carriers, it is divided into magnetic stripe card and chip card;

2. According to whether the issuer is in China, it is divided into domestic cards and overseas cards;

3. According to the different issuing banks, it is divided into personal cards and corporate cards;

4. Account can be divided into RMB card, foreign currency card and dual currency card according to different currencies.

Debit cards are divided into transfer cards, special cards and stored value cards according to different functions. Debit cards cannot be overdrawn. The transfer card has the functions of transfer, cash deposit and withdrawal and consumption. Special card is a special-purpose debit card used in a specific area (except for department stores, restaurants and entertainment industries). It has the functions of transferring money and depositing and withdrawing cash. Stored value card is a prepaid wallet debit card in which the bank transfers funds to the card for storage according to the cardholder's requirements, and directly deducts money from the card during the transaction.

Debit card can be used for online or POS consumption or ATM transfer and withdrawal, and cannot be overdrawn. Interest is paid on the amount in the card according to the current deposit. When spending or withdrawing money, the funds are directly withdrawn from the savings account. Debit cards usually require a password when used. Debit cards can be divided into ordinary cards, gold cards and platinum cards according to their grades; According to the scope of use, it can be divided into domestic cards and international cards.

Reference Bank Card _ Baidu Encyclopedia