How much does it cost to get a gold card?

How much does it cost to get a gold card? Hot topics on the Internet and full analysis of card application costs

Recently, the topic of "how much does it cost to apply for a gold card" has sparked heated discussions on major social platforms and forums. As a high-end credit card product launched by banks or financial institutions, Gold Card’s application conditions, limits and fees have become the focus of users’ attention. This article will combine the hot discussions on the Internet in the past 10 days and conduct a structured analysis of the core data of gold card processing to help you quickly understand the costs and benefits.

1. Comparison of popular gold card products and fees

2. Hidden costs of applying for a gold card

In addition to the annual fee, users should be aware of the following potential charges:

• Card activation fee: Some banks charge 50-100 yuan (such as some gold cards of China Minsheng Bank);
• Overdue interest: Daily interest rate is 0.05%-0.1%, annualized rate is approximately 18%-36%;
• Cash withdrawal fee: Usually 1%-3% of the cash withdrawal amount (minimum 10 yuan).

3. Hot discussion across the internet: Is the Gold Card worth it?

According to discussions on Weibo, Zhihu and other platforms, users’ main concerns are as follows:

4. How to apply for a gold card at low cost?

1.Salary distribution customers: Most banks waive annual fees for clients who issue payroll services (such as China CITIC Bank);
2.Assets up to standard: If your deposit/financial management reaches RMB 50,000, you can apply for annual fee exemption (Guangfa, Pudong Development, etc.);
3.New home discount: In the second quarter of 2024, some banks will launch the “0 annual fee in the first year” campaign (see the official websites of each bank for details).

Summary: The cost of applying for a gold card is usually RMB 200-800 per year, but the cost can be significantly reduced through reasonable selection of banks and activities. It is recommended to make comprehensive decisions based on your own consumption habits and rights needs, and avoid blindly pursuing high amounts.