We all know that credit cards can be divided into several levels, including general card, gold card, platinum card and above. However, some banks, such as Everbright, have also introduced a titanium gold card. Although it is only one word short of the gold card, the difference between the two can be great. Today, Xiaobian will analyze it from three aspects: card grade, quota and annual fee.
1. Card level:
In most banks, the grade of titanium card is slightly higher than that of gold card, between gold card and platinum card, that is to say, the grade of titanium card is higher than that of gold card and lower than that of platinum card.
2. Card limit:
Credit card limit mainly depends on two aspects, one is the card level, the other is the credit of the applicant.
As mentioned above, the level of titanium card is higher than that of gold card, and the corresponding amount of card level is higher than that of gold card. Of course, the final amount depends on the credit of the applicant, so if two people with similar credit apply for credit card at the same time, the credit limit of titanium credit card is higher than that of gold card.
3. Annual card fee:
The annual fee of credit card is also related to the level of the card. The higher the level, the higher the annual fee. Therefore, the grade of titanium gold card is higher than that of gold card, and the annual fee is also higher than that of gold card.
However, it should be noted that both gold and titanium credit cards are ordinary credit cards, so they can be conditionally free of annual fees. Generally, they do not open cards and do not charge annual fees. If the number of times of swiping cards reaches the standard, the annual fee can be exempted. So this is not a big difference.
The above is the introduction of the difference between titanium credit card and gold card. I hope it can help you. In a word, the main difference between titanium gold card and gold card lies in the card level, because the level can lead to the difference in the amount and annual fee related to the level.