The top ten most worthwhile credit cards.

I. Industrial and Commercial Bank of China

1. ICBC unbounded platinum digital card: the annual fee can be brushed off, the entry level is small platinum, and the card issuance rate is high.

2. ICBC Glory Plus Platinum Card: the rigid annual fee is 2,000 yuan, and the annual cash back is 5,000 yuan, and 200,000 points can be exchanged for unlimited dragon cards.

3. ICBC Shangri-La Platinum Card: The annual fee can be waived, and the Emerald members of Shangri-La Hotel Group can be exempted from the annual fee for 3 years, and the points can be automatically exchanged for VIP Golden Dollar points and hotel rights.

Second, China Merchants Bank.

1. Free life platinum card of China Merchants Bank: free of annual fee, cash back overseas, two low-cost hotel stays/year, and 99/ 199 points per month can be exchanged for video music members.

2. Classic Platinum Card of China Merchants Bank: annual fee 10000 points, free physical examination/tooth cleaning/golf/VIP room/low-cost hotel, with the maximum delay insurance of 2,000 yuan and birthday 10 times.

3. China Merchants Bank Express Centurion Platinum Card: 3600 yuan rigid annual fee, unlimited PP, unlimited airport VIP lounge, matching Marriott/Hilton/Radisson members, free medical examination/tooth cleaning/golf/low-cost hotel, up to 4000 yuan delay insurance, birthday 10 times points.

Three. China construction bank

1. Longka Billie Billie Credit Card: Free of annual fee, giving away the annual membership of Billie Billie for 2 years, with high card issuance rate.

2. Longka car card: rigid annual fee, preferential car wash once a week, points exchange for oil card, free national road rescue, and application for qualified car owner card.

3. Longka Family Credit Card: 1 50,000 points to offset the annual fee, not limited to 3 people * * * to enjoy the expert outpatient service in three hospitals, 6 drives/year, 2 trips1yuan, overseas cash back, 100 yuan JD.COM card +2 drives+cash back 65438.

4. Longka enjoys Platinum Credit Card (Dashanbai): the annual fee is 400,000 points, not limited to three people * * * to enjoy expert clinics in three hospitals, not limited to free road rescue, not limited to airport VIP lounge, 5 PP cards per year, limited to hotel/pick-up/driving rights, and the maximum delay risk is 5,000 yuan/year.

4. Bank of China

1. Great Wall Diamond Credit Card of China Bank: 3,600 yuan, 200,000 points can offset the annual fee, 6: 00 Longteng/year, 2 transfers/year, 1 tooth cleaning/year, 1 physical examination/year, 1 road rescue/year.

5. ABC Worry-Free Platinum Credit Card: Free of annual fee, 3 times/year expert outpatient appointment registration, and new households will be given Youaiteng 3-choice 1 video annual card.

2. ABC upgraded mom's credit card beautifully: free of annual fee, returned overseas, 1 yuan can be exchanged for the annual cards of six major audio-visual members, and the points are paid to Meituan takeaway/Ctrip cash.

3. ABC Zunran Platinum Credit Card (Elite Edition): Free of annual fee, unlimited airport VIP room, unlimited road rescue, and Visa platinum rights.

6. Minsheng Bank

1. Minsheng Elite Platinum Credit Card: the first year 1800 yuan (free of charge for new households in the first year), 200,000 points to offset the annual fee of the next year, unlimited LoungeKey (to be cancelled soon), unlimited road rescue, infringement of rights and interests by points, and delay insurance;

2. Minsheng JD.COM Plus Co-branded Credit Card: Free of annual fee, new customers will receive a 2-year JD.COM Plus membership+100 JD.COM red envelope.

7. Bank of Communications

1. Bank of Communications Zodiac Card Year of the Ox Commemorative Edition: Free of annual fee, 5 times a month, with a maximum of 880,000/year, 8 times in birthday month, and new households will receive 5 points of new household gifts (rice cookers, etc.). ), pay card face-to-face gift (128 yuan, etc. ) and a new scorecard.

2. Bank of Communications Standard Platinum Credit Card (White Kirin): new customers are free of annual fee 1 000 yuan in the first year, the VIP room of Bank of Communications Airport is 6 times a year, drunk driving is 6 times a year and birthday month, and the points for birthdays are 5 times, with the maximum delay risk 1 000 yuan/time.

8. China CITIC Bank

1. CITIC IHG Club Co-branded Gold Card: free of annual fee, giving IHG Club Gold Card, 15% off the room rate in IHG Greater China+10% off the hotel catering+double points on the accommodation credit card, 5000IHG Club points for the first time, 9 sharing activities, and the maximum delay risk 1000 yuan/time.

2. Huawei Card of CITIC Bank: annual fee is exempted, and you can get 4 airport +8 high-speed rail VIP rooms/year when the consumption reaches the standard. The limited time Huawei Pay/ Alipay/WeChat transaction pens are randomly cashed back, and the maximum delay risk is 1 1,000 yuan/time. You can watch movies in 9 yuan and share exchange activities for 9 times.

9. China Everbright Bank

1. Everbright Tik Tok Co-branded Credit Card: During the validity period, the annual fee is free, and the life of Haidilao/Pizza Hut/Meituan takeaway is shortened and the card is entered;

2. China Everbright Mobile China Youth Travel Service Co-branded Elite Platinum Card: free of annual fee, 1 shuttle/year, 3: 00 Longteng/year, 10: 1, which will be automatically redeemed for mobile mall points and the first gift for new customers within the validity period.

3. Everbright Filial Piety Premium Platinum Credit Card: RMB 3,600 in the first year (RMB 6,543.8+10,000 is exempted for new household consumption in the first year), RMB 300,000 points in the following year, 4 transfers/year, 9: 00 Longteng/year, 2 dental cleanings/year, 2 physical examinations/year, 654.38+ 02 appointments/year, and 3 points for offline transactions, and

X. guangfa bank

1.CGB China Eastern Intercontinental Tripartite Co-branded Credit Card: annual fee is free, and the three-party points are accumulated, and the designated channels can enjoy 6 times of points, 2 points of high-speed rail points can be spent every year, and unlimited CGB high-speed rail VIP lounge can enjoy 500 times a month. 18: 1 ratio can be converted into China Eastern Airlines mileage /IHG points.

2. Guangfa Zunlv Series Card: annual fee can be exempted, and new customers can cash back 10%. The upper limit is 400 yuan, 10: 1, which can be converted into domestic airline mileage and 15: 1, which can be converted into foreign airline mileage.

3.GDB UnionPay Platinum Card: GDB airport high-speed rail VIP room is free of annual fee and unlimited times.

Expansive material

The conditions for applying for bank loans mainly include the following:

1. The applicant is over 18 years old.

2. The applicant has full capacity for civil conduct.

3. The borrower's credit status is good.

4. The applicant provides legal identity documents.

5. The borrower has sufficient repayment ability.