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China Construction Bank UnionPay Platinum Card featuring Platinum card services and UnionPay payment functionality in China. |
China Construction Bank, commonly known as CCB, offers the Long Card Enjoyment Platinum Credit Card in a UnionPay version as part of its credit card portfolio in China. The card combines Platinum-level credit card services with UnionPay acceptance and access to selected CCB and UnionPay programs. Current CCB information also lists the card among its active credit card products and includes it in selected 2026 promotional programs.
What Is the CCB UnionPay Platinum Card?
The CCB UnionPay Platinum Card refers to a Platinum-level credit card issued by China Construction Bank through the UnionPay network. CCB currently lists the product as 龙卡尊享白金信用卡（银联版）, or Long Card Enjoyment Platinum Credit Card (UnionPay version).
The card is part of CCB's broader Long Card credit card portfolio. UnionPay provides the card-network infrastructure for eligible transactions, while CCB determines the credit limit, account terms, fees and card-specific services.
CCB's credit card platform currently identifies the UnionPay version as an available Platinum card product.
Key Features of the CCB UnionPay Platinum Card
The card combines several areas of service associated with CCB's Platinum credit card products.
| Feature | Details |
|---|---|
| Issuing bank | China Construction Bank |
| Card network | UnionPay |
| Card level | Platinum |
| Product family | Long Card |
| Primary market | Mainland China |
| Credit facility | Determined by CCB |
| Payment network | UnionPay |
| Card services | Credit, payment and selected Platinum benefits |
The specific benefits available to a cardholder can depend on the applicable CCB terms, card status and individual promotional conditions.
Current UnionPay Overseas Spending Program
CCB has included the Long Card Enjoyment Platinum Credit Card (UnionPay version) in a 2026 overseas spending cashback campaign.
According to CCB's published terms, from May 1, 2026, through April 30, 2027, eligible transactions made through the UnionPay network at participating overseas physical and online merchants can receive a base cashback opportunity equivalent to 1% of the actual transaction amount.
Additional cashback applies to transactions in certain specified countries and regions. CCB's published list includes Hong Kong, Macau, the United States, South Korea, Australia, New Zealand, Singapore, Thailand, Italy, the United Kingdom, France, Switzerland and Spain. Transactions in the listed locations can qualify for a total cashback rate of up to 2% under the campaign conditions.
The published terms state that Hong Kong, Macau and the United States became eligible for the 2% rate from September 20, 2026. Before that date, transactions in those locations were subject to the 1% rate under the campaign.
CCB also states that the maximum cashback available under the campaign is RMB 1,500 per card per calendar month. The monthly cashback pool is limited and can be exhausted before the campaign period ends.
Platinum Card Services
CCB's Platinum credit card framework has historically included services such as priority customer support, travel-related services, selected merchant privileges and other premium card services.
CCB documentation for its UnionPay Platinum card products has described services including Platinum customer service, travel and ticket reservation assistance, selected merchant privileges and UnionPay Platinum benefits. The availability and conditions of individual services can change according to the applicable card and current program rules.
Annual Fee and Card Conditions
Annual fees vary between CCB credit card products and card versions. CCB's published general credit card information states that annual-fee rules depend on the specific card.
For example, CCB currently lists an annual fee of RMB 1,800 for the primary card and RMB 1,200 for the supplementary card for its Long Card Enjoyment Platinum Credit Card product information. CCB's published application terms should be checked for the exact version and applicable fee conditions before relying on those figures.
CCB also states in its general credit card application information that supporting documents such as employment, income, property, vehicle or financial-asset documentation may assist with application processing. Credit approval and the credit limit remain subject to the bank's assessment.
UnionPay Payment and Digital Services
UnionPay cards issued by CCB can also be used with UnionPay's digital payment ecosystem where the card and service are eligible.
CCB (Asia), a separate CCB group entity serving Hong Kong, states that eligible CCB (Asia) UnionPay credit cards can be added to the UnionPay App for contactless and QR-code payment functions. These services are subject to the applicable CCB (Asia) and UnionPay terms and should not be treated as identical to mainland CCB card services.
CCB UnionPay Platinum Card Compared With Standard Cards
Platinum cards generally sit above standard credit card tiers within CCB's product structure. The distinction can involve annual fees, credit limits, customer services and additional benefits.
| Category | UnionPay Platinum Card | Standard Credit Card |
|---|---|---|
| Card level | Platinum | Standard or other applicable level |
| Network | UnionPay | Depends on card |
| Annual fee | Product-specific | Product-specific |
| Premium services | Available under applicable terms | Depends on product |
| Overseas programs | Selected campaigns may apply | Depends on eligible card |
| Credit limit | Determined by CCB | Determined by CCB |
The exact differences depend on the particular CCB card being compared because CCB operates multiple credit card products.
Eligibility and Application
CCB's general credit card application information states that primary applicants generally must be between 18 and 70 years old and have full civil capacity. The bank may request identity, employment, income and other supporting documentation during the application process.
Approval is determined by CCB according to its credit-card application procedures. Meeting the basic application conditions does not itself establish approval or a particular credit limit.
FAQ
1. What is the CCB UnionPay Platinum Card?
It is a Platinum-level credit card issued by China Construction Bank using the UnionPay payment network. CCB currently lists the Long Card Enjoyment Platinum Credit Card (UnionPay version) among its credit card products.
2. Is the CCB UnionPay Platinum Card available in China?
CCB's mainland China credit card platform currently lists the Long Card Enjoyment Platinum Credit Card (UnionPay version) as a credit card product.
3. Does the card offer overseas cashback?
The card is included in CCB's 2026 UnionPay overseas spending cashback campaign. Eligible transactions can receive 1% cashback, while specified countries and regions can qualify for an additional 1% under the campaign conditions.
4. What is the maximum cashback under the current campaign?
CCB's published terms set the maximum cashback at RMB 1,500 per card per calendar month, subject to the campaign's monthly cashback pool and other conditions.
5. What is the annual fee?
The annual fee depends on the specific CCB Platinum card product and applicable terms. CCB's published information lists RMB 1,800 per year for the primary card and RMB 1,200 for the supplementary card for the Long Card Enjoyment Platinum Credit Card.
Final Verdict
The CCB UnionPay Platinum Card is a Platinum-tier credit card offered by China Construction Bank in mainland China through the UnionPay network. Current CCB information identifies the Long Card Enjoyment Platinum Credit Card (UnionPay version) as an active product and includes it in selected 2026 programs, including an overseas UnionPay spending cashback campaign. Fees, eligibility, benefits and promotional conditions are determined by CCB's applicable product and campaign terms.
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