网络上出现声称办理"社保卡金卡"可提高医保报销待遇、领取养老补贴、享受免费文旅福利的虚假信息1。诈骗分子冒充人力资源社会保障部门工作人员，以"办理金卡"或"发放补贴"为由诱导群众转账，并试图骗取个人信息1。
人社部门已明确辟谣，全国现行社会保障卡不存在官方定义的金卡、银卡分类，也没有国家标准规定金色社保卡对应更高的社保待遇1。社保卡由人社部门与合作银行统一制发，个人无法通过付费方式升级卡片等级1。真实社保卡正面全国统一，第三代产品背面增加了各地本地特色元素，但卡片的核心社保功能与芯片标准不存在差异1。
专家提醒市民通过官方渠道了解政策信息，警惕来自非正规渠道的转账要求1。如有疑问，可拨打12333人社服务热线核实，或通过当地人社App、微信或支付宝人社小程序在线申领社保卡1。
Fraudsters are circulating false claims online that upgrading to a "premium social security card" can increase medical insurance reimbursement rates, unlock pension subsidies, and grant access to free cultural tourism benefits.1 These scammers impersonate human resources and social security department officials, using offers to "process premium cards" and "distribute subsidies" as pretexts to solicit personal information and coerce victims into transferring money.1
The Ministry of Human Resources and Social Security has issued an official clarification debunking these schemes.1 There is no officially recognized classification of social security cards into "premium" or "standard" tiers, nor does any national standard establish that gold-colored cards correspond to enhanced social security benefits.1 The ministry emphasized that social security cards are uniformly issued by human resources departments in partnership with designated banks, and individuals cannot pay to upgrade their card grade.1 While the front of all cards remains nationally uniform, the reverse side of third-generation cards may incorporate local distinctive elements; however, the core social security functions and chip specifications are identical across all cards regardless of appearance.1
Residents seeking to verify information should contact the national human resources service hotline at 12333 or apply online through local human resources apps or official mini-programs on WeChat and Alipay.1
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