Minsheng Bank’s platinum card is only open to invited persons, with a credit rating of about 3 million.
The highest in the world is American Express's black card, which is also invitation-only. This card has no overdraft limit.
About Minsheng Platinum and Diamond Credit Cards
Minsheng Platinum and Diamond Credit Cards include Minsheng VISA Platinum Credit Card and Diamond Credit Card, Minsheng MasterCard Platinum Credit Card and Diamond Credit Card. Among them, the Diamond Credit Card is a purely invitation-based card application and does not accept active applications from anyone; the Platinum Credit Card is applied in two ways: proactive card application and invitation-based card application.
The six value-added services of Minsheng Platinum and Diamond Credit Cards:
(1) Exclusive travel privileges
Global airport VIP channels
Exclusive airport VIP lounges of 18 domestic Minsheng Banks, dedicated VIP security check channels, and dedicated personnel to assist (on behalf of) them
Check-in service
More than 450 international airport VIP lounges overseas, making waiting for your flight easy , enjoy your exclusive private space
Super high insurance for the entire trip
Domestic aviation accident insurance protection of up to 8 million yuan
Domestic highest air travel and luggage loss protection< /p>
China's first high-value airline luggage loss protection
Fanliang insurance benefits spouses and children of traveling companions
(2) Top-notch enjoyment in golf clubs
Free to play top golf courses
Free to play at top exclusive driving ranges with no limit throughout the year
Free to play golf invitational tournaments throughout the year
Diamond Credit Card Free golf six times a year
Special discount prices for VIPs at fifty top courses across the country
A comfortable life in top clubs
Memberships in several top private clubs in the country Experience and membership qualification discount
Free exclusive experience of Changan Club once a month and on your birthday
(3) Private exclusive for doctors and lawyers
Full private health journey Care
Expert outpatient appointment registration at well-known hospitals across the country, full consultation by dedicated staff
Full consultation before, during and after diagnosis and 24-hour dedicated hotline consultation and waiting
Free dental package premium service
Diamond credit card comprehensive physical examination exclusive service
Private lawyer authoritative consultation
Unlimited free professional senior lawyer throughout the year Legal consultation
Free access to three legal services
(4) Business travel with utmost honor
Excellent redemption of air miles
Diamonds Every RMB 6 spent with the credit card can be redeemed for 1 airline mile
Platinum credit card can be redeemed for 1 airline mile for every RMB 10 spent
Roadside assistance is smooth
Full Unlimited annual road emergency assistance and free car towing service within 30 kilometers
When normal driving is unable to occur due to lack of fuel, 3 liters of fuel can be refilled for free each time
(5) Platinum Secretary Personal service
Personal service is always available
Professional VIP service specialists provide 24-hour service anytime, anywhere
Exclusive one-to-one service, providing you with perfect personality Professional services
Easy booking and unlimited travel
Free booking of more than 5,000 hotels across the country, free air ticket delivery service
Stay in top hotels, multiple discounts, enjoy the respect Privileges
Eight basic functions of Minsheng Platinum and Diamond Credit Cards:
1: Globally applicable, one card with two currencies, USD consumption and RMB repayment
Two major brand cards (VISA & MasterCard) are listed simultaneously;
Dual accounts in RMB and USD, customers can set repayment methods for separate accounts, making customers' financial management more flexible.
2: The highest credit limit limit
The credit limit limit we provide is the highest in the industry: a platinum credit card starts at a minimum of 100,000 yuan, and a diamond credit card can reach a maximum of 3 million yuan, satisfying customers' needs. The limit requirement means that business travelers no longer have to worry about paying travel expenses in advance.
3: Flexible and proactive limit adjustment
During holidays and when customers are abroad, we proactively increase the temporary limit for customers;
After customers use the card for a period of time, we We will proactively increase the credit limit to customers whose cards are in good condition.
4: The longest interest-free period
Customers can enjoy the longest interest-free period of 51 days and flexibly arrange monthly financial expenditures. The industry average is 45 days or 50 days.
5: Convenient repayment
Minsheng Dual Card: Minsheng debit card is bound to Minsheng credit card for automatic repayment. There is no need to bother going to an ATM or counter to repay, and there is no need to worry about busy work. Forgetting to repay;
Minsheng Bank counter repayment: cash repayment; transfer repayment; transfer check repayment;
Self-service equipment repayment: deposit at our bank's ATM Cash or transfer repayment; UnionPay ATM inter-bank transfer repayment;
Other bank counter transfer repayment: intra-city inter-bank transfer repayment; long-distance inter-bank remittance repayment; Shenzhen Development Bank, CITIC and Guangfa Bank counter agent Minsheng Credit card cash repayment;
Online bank transfer repayment: Minsheng Bank Online Banking Personal VIP Edition users can perform: electronic remittance; agreed repayment; automatic repayment;
Telephone banking automatic instant transfer repayment: no need to apply for activation, as long as the ID number of the Minsheng debit card holder is the same as the ID number of my credit card. Dial the 24-hour Minsheng Credit Card VIP hotline at 400-810-8008, and a Minsheng VIP service specialist will assist you in completing the phone bank transfer repayment.
6: Three insurances for safe consumption
Card consumption with optional password: Customers can set up "password + signature" or only "signature" for each card;
Mobile SMS instant messaging: customers will receive SMS notifications from us for every credit card purchase;
100% zero risk of loss reporting: customers do not need to pay attention to all transactions after the loss report takes effect. pay any liability.
7: Combine points to grow faster
We have many well-known partners, and all the points of cooperative merchants can be integrated together, so that your points can be accumulated faster and redeemed for more Great gift.
8: The lowest cash withdrawal fee
Our credit card can make cash withdrawals as convenient as a debit card. There is no handling fee for cash withdrawals from our bank. The cash withdrawal fees from other domestic banks' ATMs are only for cash withdrawals. 1% of the amount, with a minimum of RMB 10. At the same time, we do not charge interest on the overpayment (credit card deposit).