Unlimited card is a top bank credit card with higher end than ordinary platinum card, and its credit threshold is also higher than ordinary platinum card. For example, the minimum payment for the diamond credit card of China Everbright Bank is 300,000 yuan, and that of China Construction Bank is as high as 500,000 yuan. In terms of overdraft limit, the maximum limit of many banks such as China Merchants Bank and Bank of Communications is 3 million yuan, and the maximum limit of CCB diamond card can reach 5 million yuan.

It is even more difficult to apply for such a top credit card. Most banks don't accept customers to apply for unlimited cards. The bank sends out the invitation on its own initiative, and the customer can only apply after receiving the invitation from the bank. Customers with unlimited cards need to have a good credit record besides earning several hundred thousand yuan a year and having certain assets in the bank.