What is the Diamond Card used for? The difference between Diamond and Platinum

Diamond Card is a high-end credit card or savings card jointly launched by bank card associations and commercial banks and other institutions. UnionPay cards are subdivided into four categories: Ordinary Card, Gold Card, Platinum Card and Diamond Card according to card level and service benefits. IntroductionUnionPay card is a bank card jointly launched by China UnionPay, commercial banks and other institutions, with a card number starting with 62 and a UnionPay logo on the card surface.

UnionPay cards only have the UnionPay logo on the card face and no other card brand logos, and are often referred to as single-logo UnionPay cards. The classification is the same as other UnionPay cards, and the UnionPay Diamond Card number starts with 62 and has the UnionPay logo on the card face. The target customer group is social excellence and/or professional elites.

The card issuer identification area on the front of the card is printed with the product name of "Diamond Card" in English or English with local common characters, or the "Diamond" product identification pattern designed by UnionPay is used on the card surface. Black and black with a metallic pearlescent luster are usually used as the base color of the card surface.

The difference between the platinum card and the diamond card is mainly the different card face, the different amount and the different rights, the general platinum card is the highest type of card that the general population can access, and the level of the diamond card will be slightly higher than the platinum card.

Extended information: 1. Credit cards are divided into credit cards and quasi-credit cards, credit cards refer to credit cards that have a certain credit limit and can spend first and then repay within the credit limit; A quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve as required, and can overdraw within the prescribed credit limit when the balance of the reserve account is insufficient to pay. By credit card, it generally refers only to credit cards.

From January 1, the credit card overdraft interest rate shall be determined by the card issuer and the cardholder through negotiation, and the upper and lower limits of the credit card overdraft interest rate will be cancelled (the original upper limit is 10,000 per 10,000 per day).

5. The lower limit is 5/10,000 times of the daily interest rate).

On May 25, the Supreme People's Court promulgated and implemented the Provisions of the Supreme People's Court on Several Issues Concerning the Trial of Bank Card Civil Dispute Cases.

4. The earliest credit cards appeared at the end of the 19th century. In the 80s of the 19th century, the British clothing industry developed so-called credit cards, and the tourism and commercial sectors followed this trend. However, at that time, the card could only be used for short-term commercial credit loans, and the money still had to be paid as needed, and could not be in arrears for a long time, and there was no credit line.

5. Credit cards are generally special carrier plastic cards with a length of millimeters, millimeters of width and a thickness of 1 millimeter, with the name of the issuer, expiration date, number, name of the cardholder printed on the front, and a chip, magnetic stripe and signature strip on the back. Cardholders can use their credit cards to make purchases, make purchases, and deposit and withdraw cash from banks.

6. Compared with ordinary bank savings cards, the most convenient way to use credit cards is to make ordinary purchases without cash in the card, and in many cases, as long as the amount of consumption is returned on time.

7. In addition, it does not need to deposit to overdraft consumption, and can enjoy an interest-free period of 20-56 days to repay the interest on time without any interest (most banks will charge 5/10,000 interest on the day of cash withdrawal, as well as 2% handling fee, ICBC cash withdrawal is free of handling fees, only interest).

The difference between the platinum card and the diamond card is mainly the different card face, the different amounts and different rights, the general platinum card is the highest type of card that the average person can access, and the level of the diamond card will be slightly higher than the platinum card.

The Platinum Card mainly provides a variety of services for Platinum Card holders, so that Platinum Card holders can enjoy a higher quality of life. It is worth noting that for the types of UnionPay cards, according to the grade, different levels of UnionPay cards can not only enjoy different treatment, but also have different conditions for applying for credit cards.

The Diamond Card provides Diamond Card holders with more personalized services, such as high-end hotel premium membership privileges, high-end club services, UnionPay Platinum VIP lounge services, etc., to highlight the cardholder's distinguished status through high-quality and exclusive services.

The main differences between Platinum and Diamond are as follows:

1. The card surface is different: the platinum card generally uses metallic white gold as the background color of the card, and the card is printed with the English word "platinum". Diamond cards generally use metallic black as the background color of the card surface, and diamond elements will also be embedded in the card design, and the word "diamond" is printed on the card.

2. The amount is different: Generally, the limit of platinum card is between 50,000 and 1 million, and the diamond card is generally not less than 100,000.

3. Different rights and interests: Diamond card service is similar to platinum card, airport VIP lounge, supermarket refueling discount, free insurance, 5-star hotel check-in, free physical examination and tooth cleaning, etc., while diamond card is generally a gold card member who can get high-end star hotels for free.