What does a bank s gold card do? In banking, what are the benefits of a gold card?

Let the bank persuade you to apply for a gold card, prove that you have a deposit, and there is marketing value. There are many types of bank cards, including gold, platinum, and diamond cards, and the higher the level, the more services you can enjoy. The benefits of the gold card are that you can enjoy preferential measures such as free handling fees for remittance and inter-bank cash withdrawal, no waiting in line, and exclusive financial management for VIPs.

As a status symbol, the gold card is able to satisfy the vanity of savers.

Increase user stickiness, and the bank will have a better impression and sense of identity. For customers who can meet the requirements of the gold card, they are generally people with deposits in the bank, and the amount will not be very low, the bank only needs to promise some benefits, especially the symbolic meaning of identity, which will satisfy the vanity of some depositors, and can easily tie up this part of the depositors with deposits, which is profitable for the bank.

In particular, banks are now highly competitive, and the performance pressure of each employee is very high, so it is obvious that bank employees are competing for customers. For example, if you open a deposit account in a bank's B branch, then our deposit will be credited to the name of the marketing manager of the B branch, which belongs to the customer who opened and expanded it himself, and his performance will also increase with the growth of our deposit, but if you change to another branch to handle business, when the staff of the branch finds that your deposit is relatively high, they will begin to persuade you to handle the so-called gold card or diamond card and other VIP accounts, and will also promise you various benefits. Because only if you reopen the card and cancel the account and transfer the deposit to the new card can you be regarded as the employee's performance. So that's why it often happens that when you go to the branch to handle business, the staff will advise you to apply for the so-called gold card.

Of course, the benefits of applying for a gold card will be explained to you very clearly by the bank staff. However, as long as your average daily deposit is lower than the deposit balance required by the bank, some banks will automatically turn the gold card into an ordinary bank card, which means that you will not enjoy the services of the gold card, that is, you have the appearance of the gold card, and there is no inner gold card. If the average daily deposit balance of individual banks is lower than the deposit limit required by the bank, it will also charge the corresponding annual fee and small account management fee.

Although the state has stipulated that a bank has a Class I card.

The annual fee can be waived, but VIP cards such as gold cards are not included, which means that you only have one gold card in this bank, and when the deposit balance does not meet the requirements, you still have to charge the corresponding annual fee and small account management fee.

If the deposit does not meet the requirements and is automatically downgraded to an ordinary bank card, it is good to enjoy the exemption of annual fees and small account management fees, but there are also individual banks that cannot guarantee the number for the downgrade, which is quite troublesome for many people who have previously bound various financial platforms, shopping platforms, salary cards, etc., and they have to be changed one by one.

Therefore, the bank advises you to apply for a gold card, if you want to say that it is a routine or a routine, it depends on whether your average daily deposit can meet the requirements of the bank, if the average daily deposit can meet the requirements of the bank, then you can always enjoy these free services, if you can't reach it, then you have to start charging, so the gold card treatment is not as good as imagined.

Many people have seen a kind of golden bank card, in fact, this type of bank card is what we often call a gold card, also known as a VIP card or VIP card. The card making of gold card is completely different from ordinary bank cards, it uses an advanced copper material imported from abroad, and after a series of assembly line design and produces a high-end, atmospheric and high-grade card.

The bank's gold card is named because the card surface is generally golden yellow, and the conditions for each bank to apply for a gold card are different, and some banks' debit card gold card has no deposit requirementsJust pay a fee of 10 yuan when you apply for a card, and you can get better financial services. Some have a deposit limit.

For example, Ping An Bank needs to deposit 50,000 yuan into the card to apply for a gold card. The deposit threshold of the four major banks is above 200,000.

So,The gold card is also a status symbol, indicating that the asset has reached a certain standard. When your bank card savings reach a certain standard, the bank will also take the initiative to contact you to upgrade your gold cardThe aim is to retain some customers who have a large amount of deposits, and customers will enjoy more preferential conditions after having a gold card.

For example, there will be some customized financial services, one-to-one professional financial services, and various priority and preferential benefits; Cardholders are entitled to some fee reductions. In addition, when you go to the bank to handle business, you can go through the VIP channel, and you can deposit and withdraw money in other places without handling fees, etc.

There are also some convenient services in life, such as VIP lounges at the airport. As well as some cooperative merchants, such as those involvedHotels, hotels, department stores, entertainment, catering, beauty, fitness, travel, leisureand other fields, there are some consumer discounts;

However, there are also some banks whose gold cards are more chicken, no different from ordinary cards, and now 50,000 yuan deposits are not a lot of wealth, and some banks also have higher-level platinum cards and black card users.

Therefore, before applying for a card, you can first see if the benefits given by the bank are what you need, and if you don't need it, don't waste the management fee to get a gold card user.

Nowadays, banks are doing everything they can to attract customers, and a bank card will also distinguish different levels such as silver card, gold card, platinum card, diamond card, etc. The conditions for each bank to apply for a gold card are not the same, the gold card is required to have a deposit requirement, and some only need to add a fee of 10 yuan. So what exactly do the bank's gold cards do?

Next, I will combine my own understanding and talk about those things about the bank gold card.

1.The gold card is a symbol of the bank's quality customers

Although some banks' gold cards can be applied for by giving money, most bank gold cards will only be issued for you when you need to deposit a certain amount. This also means that if your bank gives you a gold card, it means that you are a high-quality customer in their eyes, and there is naturally a difference in the service treatment you can get.

Many banks will regularly recommend some preferential wealth management or provide one-to-one special financial services to their gold card customers, which can help us realize the appreciation of property to a certain extent. Gold card users of some banks can also enjoy some benefits of fee reduction, which is the most practical service. If you go to the bank's offline business office to handle related business, gold card users will generally get better services, such as special boxes.

2.Some of the convenience of life services

Nowadays, many gold banks will give some discounts or conveniences in life services in order to promote their gold cards, so that everyone can experience the benefits of gold cards at all times. For example, some banks apply for gold cards to send some gifts directly, if you go to the airport, there may be a VIP lounge, and if you go to the high-speed rail station, there will also be a special private room.

They will also cooperate with some brands or offline merchants to provide some consumption times or physical benefits, such as going to specific merchants to have a gold card for free consumption or other consumption discounts, large coupons, etc. Some will also have activities to directly give prizes after spending a certain amount of money, which is to encourage everyone to spend with their own bank gold card and save more money in the bank after experiencing the benefits.

3.Gold is not indefinite

Since the gold card corresponds to the relevant benefits, the gold card of most banks does not mean that it is indefinite after it is obtained, but has the possibility of being canceled under certain conditions, and this standard is generally related to the balance in the card and daily consumption.

The requirement of the balance in the card is that you need to maintain a certain amount of money in the gold card all the time, and if you have an empty card for a relatively long time, then canceling your gold card qualification is a sure thing. Daily consumption is also an indicator that many banks value, many friends may not consume much for various reasons after obtaining the gold card, then you may no longer be a high-quality customer in the eyes of the bank, so naturally he no longer wants you to get the gold card discounts and value-added services.

In general, the symbolic meaning of the gold card is actually greater than its actual meaning, that is to say, it is a symbol of your noble status in the bank, but the actual benefits are really very limited. In addition, many gold cards have an administrative fee, so if you don't particularly need the benefits that come with a gold card, it would be a better choice not to apply for it.

In the banking industry, the term "gold card" generally refers to the bank's own gold card customers. Gold card customers refer to customers who have certain financial assets in their bank accounts. Banks generally issue golden debit cards to such customers as a bank card for daily use to show the identity of such customers.

On the whole, the gold card customers of each bank will have better services than the general customers.

First of all, Gold card customers can enjoy more discounts than other customers. At this stage, many banks have signed cooperation agreements with some non-bank merchants. Under the cooperation agreement, these merchants will give the bank's own premium customers a discount on services** or purchases**.

Many banks will set their gold card customers as high-quality customers. As a result, these gold card holders tend to enjoy more favorable services at merchants that cooperate with banks.

Secondly, Gold card customers often receive certain additional rewards from the bank. In many small and medium-sized banks such as urban commercial banks and rural commercial banks, high-quality savings customers who hold gold cards may receive additional material rewards from banks during major festivals. These rewards include, but are not limited to, physical items such as shopping stored value cards, rice, flour, grain and oil items, and customized gifts.

Some banks will also issue separate wealth management products with relatively high yields for gold card customers, which are not available to ordinary customers. In addition, some small and medium-sized banks will also provide a certain amount of low-interest loans for their gold card customers to use when they need it.

Thirdly, gold card customers often have access to a separate service from the bank's retail relationship manager. In general, the retail relationship manager of each bank is saddled with certain performance indicators. And this kind of indicator is often completed by the bank's high-quality customers.

Therefore, these retail account managers will provide individual services to gold card customers to fully meet the legitimate needs of customers. Of course, there are some Gold card customers who don't like these separate services that resemble sales.

To sum up, the bank's gold card customers tend to receive more high-quality services from the bank than the average customer. After all, at this stage, the domestic banking industry is fiercely competitive, and the involution of various banks is relatively serious. On the other hand, in this environment, people can also get more service support from banks.

The advantage of this is that when you handle business, the speed is very fast, you don't need to queue up at all, and you can also enjoy a lot of services, and when you withdraw money across banks, you will not charge handling fees, which reduces a lot of trouble.

There will be a lot of advantages, and there will be a lot of benefits, but also there will be a certain priority, and secondly, it also proves that you have saved a lot of money in this bank, and there will be a high interest.

Gold cards can enjoy a lot of benefits, no queuing, you can handle business in advance, you can borrow a lot of money, you can do not charge handling fees, and some gold cards can enjoy high service.

1. The pertinence is different, the wealth management gold card is a debit card set up by the bank for customers with wealth management accounts. A financial transaction card issued by a savings card bank to provide financial services to depositors, which is a type of debit card.

2. The purpose is different, the purpose of applying for a bank wealth management card is to manage money and make money; Whereas, a debit card is used for deposits and transactions.

3. Different functions: wealth management cards will concentrate on many financial functions, such as foreign exchange, **, transfer, etc., and enjoy some VIP services according to the star rating, such as priority business at the counter, no need to queue, transfer and remittance fee reduction, etc., while the savings card has the functions of transfer settlement, cash deposit and withdrawal.

4. The service is different, the wealth management card enjoys the privilege of not queuing up for business within the provincial level, remittance and transfer, and can take the VIP channel and lounge at the airport. But debit cards don't have this service.

Gold card customers can enjoy free handling fee for ATM withdrawals in other places (ATM withdrawals from other banks in other places do not charge 1% of the cross-regional handling fee, only 2 yuan inter-bank fee. The Bank's ATM, free ATM withdrawals in different places), half of the counter rate, etc., will also enjoy fast track treatment (priority calling) when handling business at the counter, and independent selection of personalized card numbers.

1.You can enjoy the VIP channel of the Agricultural Bank of China, and you can give priority to handle business at the business outlets of the Agricultural Bank of China, without queuing;

2.You can enjoy preferential policies for handling fees such as card application, loss report and card replacement, and transfer;

It's still very efficient and it's useful.

Debit card gold card: You can cut the queue for business, reduce and reduce the handling fee for remittance to other places, including other handling fees, you don't need to make an appointment to withdraw more than 50,000 yuan, you can buy exclusive financial products for gold cards, and there is a special financial manager