Cosmos credit card (hereinafter referred to as "constellation card") is divided into two grades: simple platinum and gold. The design of the card surface is the same, which is distinguished by the color of the base on the card side. Black is simple platinum and red is gold card. Among them, the simple Platinum Card enjoys the benefits of VISA Platinum Card and UnionPay Platinum Card, and all the benefits of Platinum Card except airport VIP room, high-speed rail VIP room, aviation accident insurance and travel inconvenience insurance.
Constellation card "1+ 1" is used: UnionPay single-logo single-currency card (magnetic stripe +PBOC non-connected chip card) is used in China, and VISA single-logo multi-currency card (magnetic stripe +EMV non-connected chip card) is used abroad. The two card accounts are associated, and the payment modes of swiping, inserting, swiping and scanning cards are supported, so that domestic and foreign payments are unimpeded.
Anyone who successfully applies for the Star Constellation Card, whether it is a simple platinum card or a gold card, is free of annual fee within the validity period.
3-day repayment grace period refers to providing cardholders with 3-day repayment grace period service. If the cardholder repays within 3 days after the due repayment date, it is deemed that the cardholder repays on time.