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China's top ten most valuable credit cards

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China's top ten most valuable credit cards

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China’s top ten most valuable credit cards are as follows:

1. Minsheng Bank Diamond Credit Card, Among the domestically issued credit cards, the best one should be the Minsheng Bank Diamond Card. Although the color of the card is not black, its credit limit can reach up to 3 million yuan, and the annual membership fee is as high as 10,000 yuan.

2. ICBC Peony Platinum Card claims to have only 7,000 users worldwide. As one of the four major state-owned banks in China, the card issuance standards of Peony Platinum Card are quite strict. Individuals cannot apply on their own initiative and must be invited by the bank to apply.

3. Everbright Bank Yanhuang Credit Card-Platinum Card, special features: super high aviation insurance.

4. CITIC Bank Air China PhoneMiles CITIC Credit Card, platinum card, special features: the first platinum Air China PhoneMiles Credit Card.

5. CITIC Bank CITIC STAR dual-currency credit card, platinum card, special features: global airport VIP room privileges.

6. Everbright Bank Everbright Golf Credit Card, Platinum Card, special features: Enjoy golfing services at a discount of 50-30% off the visitor price at more than 150 courses across the country.

7. Everbright Bank Sunshine Business Travel Credit Card, platinum card, special features: VIP enjoyment, optional.

8. China Merchants Bank Platinum Credit Card, Platinum Card, special features: national discount stores.

9. Shanghai Pudong Development Bank Pudong Development Credit Card, platinum card, special features: RMB/USD dual-currency settlement.

10. Pufa Dream Card, a personalized private customized service, has distinguished VIP services at many airports and high-speed rail stations at home and abroad, as well as preferential services at international hotels, with no annual fee, overseas You can also get high cash rebates on your purchases.

What are the most worthy platinum credit cards?

Platinum credit cards have high credit limit and rights, which are common knowledge among card lovers. However, how to choose among the various platinum credit card products issued by major banks? Let me tell you which platinum credit cards are most worth getting in 2018!

1. CITIC i Platinum Credit Card

This is a small platinum credit card that is easier to apply for. It is easier for friends who are not financially strong to get it, but in terms of rights and interests , this card is also worth applying for.

CITIC Credit Card 9 points can be redeemed against Starbucks and Haagen-Dazs, etc., 9 yuan to enjoy movies, two movie tickets at a discount, 365 activities, etc., all i Platinum Credit Card holders can enjoy.

In addition, you can also enjoy online transaction points, 50% off IMAX movie viewing, 2-hour flight delay insurance, 5 million aviation accident insurance and other benefits.

2. Bank of Communications White Qilin Card

This is an old card that has been issued for many years, and it has never been out of the spotlight. Thanks to its rights and interests, it has not shrunk:

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1) The principal and additional cardholder can enjoy the "Ward Fortune" airport VIP service 6 times a year, and the principal cardholder can also enjoy the Dragon Travel Service 6 times a year;

2) Drinking after drinking 6 times a year Driving;

3) High points, 3 times USD consumption, 5 times on birthday, 2 times in the month, points can also be exchanged for air miles;

4) 250,000 points can be used Deduct RMB 1,000 annual fee.

3. Shanghai Pudong Development Bank American Express Platinum Credit Card

It is known as “the Platinum Card that can take you around the world”. Its benefits are very eye-catching and it is worth applying for, but the prerequisite is that you have sufficient financial resources. Conditions to pass: Domestic customers require an after-tax annual salary of more than 400,000, and foreigners require an annual salary of more than 650,000.

Privileges of Pudong Development American Express Platinum Credit Card

There are many platinum credit cards worth applying for in 2018, but it is also important to choose a product that suits you based on your application credit. If your If your financial strength is not strong enough, you might as well choose to apply for CITIC i Platinum.

The 10 most worthy platinum credit cards (debit cards), how many do you have?

This article sorted out the platinum cards of various banks on the market from the three dimensions of difficulty in applying for the card, annual fees and benefits, and gave a certain weight to them, and selected the 10 best ones. This article is based on cost-effective platinum cards. I hope it can provide you with some useful suggestions on the way to apply for a platinum card.

Tenth place: Citi Gift Card "★★☆"

Ease of application: ★★ (the more stars, the easier it is)

1 ) You can apply online, but you don’t mind having too many lines; 2) You can buy financial management with bricks and mortar to achieve overtaking in corners, but the financial management of foreign banks is not so good, so you don’t have to miss it after the card is approved;

3) Applicants must be over 18 years old (inclusive) and have full capacity for civil conduct. Applicants must have a stable income occupation, have solvency and good credit; the applicant's company address must be in Beijing, Shanghai, Guangzhou or Shenzhen (Citibank online application only); monthly salary before tax is RMB 10,000 or above , you can apply for a Citi gift card. This is the official statement. According to actual tests, Citigroup is more concerned about cardholders from multiple banks, so it is best to apply for credit cards (debit cards) concurrently during a period of time. In this way, the time difference between the news and newspaper updates can increase the probability of your card being approved by multiple banks. Greatly improved.

Ease of annual fee exemption: ★★★ (the more stars, the easier it is)

1) 1,400 for the main card and 700 for the supplementary card (the main card will give you 1,000 yuan every year) Jingdong e-card or Ctrip’s Go Travel Card), the annual fee is basically reimbursed

2) Mileage deduction: 20,000 Citi gift miles can be deducted, and the supplementary card can be deducted with 10,000 Citi gift miles. This ratio is very bad , so it is not recommended to redeem

Benefits: ★★★

1) Apply for gifts: From April 1, 2018 to June 30, 2018, successfully apply for Citi gifts for the first time New customers of Cheng Card who meet the corresponding conditions within 60 days (natural days) after the card is approved will receive 5,000 Citi miles. If the accumulated qualifying consumption reaches 10,000 yuan, an additional 10,000 Citi miles will be added;

2) Citi Gift Miles can be redeemed for airline miles at a ratio of 1:1. Currently, Citi supports a complete range of airlines (Air China, China Southern Airlines, China Eastern Airlines, Awan, Qatar Airways, Air France, Singapore Airlines, Etihad, Garuda Indonesia, Evergreen, Virgin, Qantas);

3) 6 Dragon Points, it is recommended to use them every time you eat. A lot of points were wasted this year (3 times with supplementary card);

4) Airport pick-up and drop-off within 60 kilometers is free (3-seater 89, 5-seater business 149, foreigners’ cars have less than two seats?);

5) Redeem credit card (debit card) deposit and gifts: 800 Citi Miles are redeemed for 20 RMB, and 1,500 Citi miles for USD cards are redeemed for 5 USD. According to the ratio of credit card (debit card) 12:1 and USD 1:1, the reward is 20 RMB for swiping 9,600. This rate of return is too low and has no bright spots. It is the same as other scumbag shops, so it is recommended to keep the etiquette.

6) Currently the only bank card that can directly transfer points to other people’s accounts, and the “points” of a gift card are actually airline miles or hotel points. This is currently and According to the rules, the fastest and easiest way to get miles from multiple airlines is that you only need to have one card, keep it every year, participate in some activities, and the annual fee will be paid back in minutes;

7) Citi has at least three credit card (debit card) cashback activities every year, as well as irregular lottery activities. Basically, they are all good returns, low-key and worth participating.

Ninth place: Ping An Travel White "★★★"

Ease of application: ★ (the more stars, the easier it is)

1) Yes Online application;

2) You can apply for a card with a house, a car, a card, assets, Ping An Life insurance policies, and high-quality occupations, etc.

Ease of annual fee exemption: ★★★★★ (the more stars, the easier it is)

1,200 for the main card in the first year and 800 for the supplementary card (200,000 consumption in the next year, The supplementary card reduction and exemption rules are the same as those of the main card)

Benefits: ★★★

1) Travel consumption - air tickets (4511), hotels (7011), travel agencies (4722) feedback 1 , the rebate can be redeemed only when the rebate is greater than or equal to 100 yuan, and the monthly exchange limit is 500 yuan; the rebate is valid for one year and can be used to offset consumption in the account; there are no points for specific MCC consumption, only rebates, but it is counted as the accumulated consumption amount (Ping An’s own activity);

2) 12% off on gas: The platinum card comes with the function of a car card. You can get 12% off on gas when you spend 2,000 yuan per month, with a cap of 80 yuan, and you can recharge 500 to 200 online. It can be realized in this way, and there is no need to sign up for platinum cards, you can participate directly;

3) Ping An Super Pay: If you meet the consumption standards, you will receive mall coupons. Once every three months, if you use the travel bonus, this activity will be superimposed, so it is a free pick. Moreover, sometimes online purchases can accumulate consumption amount without points;

4) Ping An’s recommendations to new customers are the most generous, so you know.

Eighth place: CITIC Easy Card Newbie "★★★"

Ease of application: ★★★★ (the more stars, the easier it is)

1) Online application: Integrated lending and borrowing account, holding a CITIC Bank Class I savings card, the YiCard debit card function needs to be downgraded to a Class II card, the limit is not high, and the income is reduced;

2) Counter entry: You can apply for a card, it is not difficult, the limit is high, and the limit is greater than 50,000, this card is meaningful.

Ease of annual fee exemption: ★★ (the more stars, the easier it is) Little Platinum 480 yuan annual fee, 60,000 points can be deducted in the next year

Benefits: ★★★

1) The most important benefit of this card is that the reward points multiple is linked to the assets in CITIC: assets ≤ 5W, Platinum Card 3 times points; 5W < assets ≤ 20W, Platinum Card 6 times points; assets ＞20W, Platinum Card earns 9 times the points, and the upper limit of reward points earned per bill month is 9 times the fixed amount, so the amount is very important;

2) Points exchange for miles: 12,500 points exchanged for 500 points Mileage, with 9 times points bonus, is equivalent to a ratio of 2.8:1. The total annual limit of Air China, China Eastern Airlines, China Southern Airlines and Hainan Airlines is 15W, and the upper limit of Asia Miles is 5W, ***20W;

3) 9 shares Redeem rights; 4) 9 yuan movie rights; 5) Wonderful 365 rights, etc.

Seventh place: Industrial Hong Youbai "★★★☆"

Ease of application: ★★★★★ (the more stars, the easier it is)

1) Bai Hu Nao applies for a card;

2) Credit cards (debit cards) with a limit of more than 30,000 from other banks that have been used for more than six months can be applied for by applying for a card;

3) Capped social security base, etc.

Ease of annual fee exemption: ★★ (the more stars, the easier it is) Rigid annual fee for the main card is 900

Benefits: ★★★

1 ) Airport pick-up and drop-off rights: 4 pick-ups and drop-offs at home and 2 pick-ups and drop-offs abroad, easily worth the annual fee;

2) CIP airport rapid security check and VIP lounge privileges: I can use domestic airport CIP 12 times in a calendar year Airport VIP lounge services and free companionship for 2 people;

3) Mileage redemption: Miles can be redeemed for Air China, China Eastern Airlines, China Southern Airlines and Hainan Airlines at a ratio of 10:1, with a maximum limit of 20,000 per year;

4) Free supreme car rental for one day;

5) Roadside assistance;

6) Aviation accident insurance, delay insurance and car rental benefits, etc.

Sixth place: Guangfa Airlines co-branded platinum card (not limited to China Southern Airlines) "★★★☆"

Ease of application: ★★★ (the more stars, the easier it is)

1) When the water is released, directly apply online for instant approval, such as Shandong Airlines Bai in the early stage;

2) Invitation processing;

3) Outlet assets are processed or apply for a card by card.

Ease of annual fee exemption: ★ (the more stars, the easier it is) Rigid annual fee for the main card is 2,500

Benefits: ★★★★★

1) Equipped with a Longteng Card for free, you can enjoy unlimited VIP privileges at Longteng Airport and high-speed rail, covering more than 200 major domestic and foreign cities such as Beijing, Shanghai, Guangzhou, Shenzhen, Hong Kong, Tokyo, and New York;

2 ) A PriorityPass card is issued for free, and you can use the PriorityPass card for unlimited times in more than 600 airport VIP lounges around the world, and you can enjoy VIP privileges whether at home or abroad;

3) You can enjoy free domestic access 3 times a year VIP appointment registration service and 3 medical guidance services at tertiary hospitals in major cities;

4) Mileage redemption: 7 yuan for domestic consumption is exchanged for 1 air mile, and 1 US dollar for overseas consumption is exchanged for 1 air mile, with an annual maximum limit It is 600,000 valid consumption points, plus other activities, which is about 100,000 airline miles a year. Multiple points and points from specific merchants are changed to mall coupons once a quarter.

5) The card comes with aviation accident insurance of up to RMB 5 million, which can also be benefited by family members traveling with you;

6) When you encounter difficulties while traveling or on a business trip, you can call 24 at any time Hours of global emergency support service hotline, enjoy a variety of emergency support services, including: emergency card replacement, emergency cash advance, translation services, lost luggage support services, etc.; 7) When you are abroad, you can call the 24-hour platinum secretarial service hotline at any time, according to It can provide considerate services such as restaurant reservations, hotel reservations, and medical consultations; it can provide cardholders with a full range of travel VIP services, so the Guangfa Airlines co-branded card is particularly suitable for business travelers.

Fifth place: Standard Chartered Elite Platinum Card "★★★☆"

Ease of application: ★★ (the more stars, the easier it is)

1) Cities where you can apply online: Beijing, Shanghai, Guangzhou, Shenzhen, Suzhou, Hangzhou, Chongqing, Chengdu, Xiamen. In cities other than the above, you can go to local branches to apply;

2) Qualified "Priority Financial Management" customers You can apply directly, and the card approval rate is high;

3) There is a high probability that the card will not be approved if there are more than 6 lines, so it is recommended to apply first.

Ease of annual fee exemption: ★★★★ (the more stars, the easier it is). The first-year annual fee is 2,500 yuan. For qualified "priority financial management" customers, apply for the Zhencheng Platinum Credit Card (credit card) The annual fee of RMB 2,500 is waived, and the annual fee of credit card (debit card) for the following year is waived if the total consumption in RMB and US dollars in the current year exceeds the equivalent of RMB 150,000.

Benefits: ★★★★

1) High-speed rail/airport pick-up and drop-off service: airport/high-speed rail dedicated car pick-up and drop-off service four times a year;

2) Global Airport high-speed rail VIP benefits: Choose between PriorityPass and Longteng, and enjoy 8 privileges per year;

3) Points plan: 3 points for 1 RMB spent domestically, 10 points for 1 USD spent overseas, and can be exchanged for 36:1 Redeem mileage from airlines such as Singapore Airlines, Asia Miles, China Eastern Airlines, Air China, etc., with an annual limit of 100,000 miles;

4) Card protection: fraud insurance, flight delay insurance, Checked baggage delay insurance, etc.;

5) Limited-time new household gift: before July 31, 2018, the number of purchases within 90 days after the card is approved has reached 6 transactions and the single point-accrued consumption has reached 266 yuan (inclusive) ) or equivalent US dollars, you can choose one of three options: 240,000 points, 540,000 points, or WMF portable fruit smoothie machine on the French LEXON 20-inch cabin suitcase;

6) 2018 Good Double gift with duet cash rebate: 5 cash rebates for domestic Tuesday online shopping with UnionPay card, up to 200 yuan per month; 10% cash back overseas with Visa card, up to 200 US dollars per month. Qualified priority banking customers can enjoy 20% overseas cash rebate, up to US$300 per month.

Fourth place: Bank of Communications Bai Qilin "★★★☆"

Ease of application: ★★★★ (the more stars, the easier it is)

1) Apply for a card at Baihu Ditan with the first card;

2) Receive an invitation text message from the genuine Bank of Communications;

3) You can apply online, and the general card limit exceeds 30,000 , few lines or low total credit limit, it is easy to get through;

4) Customers who meet the standards of Ward Financial Management.

Ease of annual fee exemption: ★★★★ (the more stars, the easier it is). The annual fee is 1,000. Within 45 days of card verification, you can make 3 purchases at any time and each of them exceeds RMB 168, that is The first-year annual fee can be waived, and the next year you can use 250,000 points to offset it or participate in the local tycoon index for 6 months to get the annual fee waived.

Benefits: ★★★

1) Airport "Ward Fortune" airport VIP lounge service: The main cardholder can enjoy 6 times of "Ward Fortune" airport VIP lounge service, The holders of the three supplementary cards can each enjoy 6 times of "Ward Fortune" airport VIP lounge services;

2) Airport Longteng VIP lounge benefits: The main card holder can enjoy 6 times of Longteng VIP lounge services. Holders of three supplementary cards can enjoy 6 times of Longteng VIP room service;

3) Drinking and driving service: more than 70 cities across the country, 50 kilometers/time drinking and driving service, available all year round Enjoy 6 times each;

4) Points can be redeemed for mileage at a ratio of 18:1 for airline miles (Air China, China Eastern Airlines, China Southern Airlines, Hainan Airlines, Asia Miles), with a maximum limit of 300,000 miles per year (all airlines The company’s accumulated mileage redemption points limit is 540W/year).

Third place: China Merchants Bank Classic White "★★★☆"

Ease of application: ★★ (the more stars, the easier it is)

1 ) Normally use the card, if the natural graduation gold card limit reaches 50,000, or the installment graduation limit reaches 60,000, you can try to apply for Classic White. If you apply for a fixed limit on Palm Life, there will be a green channel, and the pass rate is very high;

2) Gold Sunflower customers can apply if their assets reach an average of 50W per day for 3 months;

Ease of annual fee exemption: ★★★★★ (the more stars, the easier it is). The annual fee is 3,600 yuan, which can be offset by 10,000 points. Deduction, 10 times the points on your birthday, capped at 10,000 points, registration required, and spending 22,240 yuan.

Benefits: ★★★★

1) 4 2-night “300 100” high-end hotel rights per year;

2) 6 airport VIP lounges per year Services;

3) One free oral care service and one physical examination service per year (transferable);

4) Points exchange for mileage: 1,500 points can be exchanged for 2,000 Air China, China Eastern Airlines, and China Southern Airlines Miles, 1,800 points can be redeemed for 2,000 Asia Miles, and 50,000 miles per household per year;

5) Aviation accident insurance up to 15 million yuan, travel inconvenience insurance up to 2,000 yuan (including flight delays).

Second place: Minsheng Elite White "★★★★"

Ease of application: ★★★★ (the more stars, the easier it is)

1) Proof of income of RMB 200,000 per year;

2) Proof of real estate worth RMB 2.4 million;

3) Already have high-level cards (Hao Bai, Centurion Platinum and above) High) There is a probability that the card will not be approved;

Ease of annual fee exemption: ★★★★ (the more stars, the easier it is). The annual fee is 1,800 yuan/year. If you accumulate 200,000 exclusive points, you can The annual fee will be automatically deducted on the annual fee date of the following year. Before March 31, 2019 (inclusive), if there is no Minsheng credit card (credit card) activation record under your name, you can enjoy the annual fee exemption in the first year after activation.

Benefits: ★★★★

1) Points: Earn 900 points every year, which can be redeemed for airport CIP (full set of departure services for guests), airport lounges, Luxurious hotel room nights, physical examination services, dental services, registration services, etc.;

2) Exclusive luxury accommodation experience: ***Fourth level: 299 yuan and 200 points; 399 yuan and 200 points; 499 200 points for RMB 599; 200 points for RMB 599, which can be redeemed once per calendar year;

3) PriorityPass airport VIP lounge benefits: The principal cardholder can enjoy unlimited PriorityPass airport VIP lounge services;

4) Points are redeemed for mileage: 15:1 ratio for airline miles (Air China, China Eastern Airlines, China Southern Airlines, Hainan Airlines), the upper limit is a total of 20,000 miles per year, after which the ratio is touching;

5) Travel accident insurance, air delay insurance and road rescue, etc., such as unlimited trips for 1,000 yuan for 2 hours.

First place: Pufa Express White "★★★★"

Ease of application: ★ (the more stars, the easier it is)

1) You can apply online, and the possibility of rejection in seconds is very high;

2) Offline real estate, car products, income certificates, capped social security bases or specific installment products are more likely to be approved;

Ease of annual fee exemption: ★★★★★ (the more stars, the easier it is). The annual fee is 3,600 yuan, which is waived in the first year and can be deducted with 200,000 points in the following year.

Benefits: ★★★★★

1) Exclusive luxury accommodation experience: 50,000 points can be redeemed for luxury hotels, and hotel rights can be redeemed twice during the event;

2) Free domestic airport pick-up and drop-off rights: you can enjoy exclusive free airport pick-up and drop-off services in more than 40 major cities, 4 times a year;

3) PriorityPass airport VIP lounge benefits: principal cardholders You can enjoy unlimited PriorityPass airport VIP lounge services, and you can bring 7 companions for free throughout the year;

4) Points can be redeemed for mileage: 12:1 ratio for airline miles (Air China, China Eastern Airlines, China Southern Airlines, Hainan Airlines) , the upper limit is 100,000 miles per year (the upper limit for Hainan Airlines is 60,000 miles per year);

5) Until June 30, if you book a Shangri-La hotel room in advance, you can enjoy the second night's free extension. , the activity period is limited to 5,000 room nights, and you can enjoy the benefit up to 2 times;

6) Just use the Shanghai Pudong Development Express Platinum Card to pay in full the air tickets or tour group fees of more than 70 for yourself, your spouse, and your children. , you can enjoy aviation accident insurance up to 15 million yuan and travel inconvenience insurance up to 5,000 yuan; the Reliable Flying activity is over.

7) Domestic and international medical and travel assistance services, etc.

The most worthwhile platinum credit card in 2022

1. Bank of Communications Baiqilin (for business people traveling)

2. China Merchants Bank Express Platinum Card (for international shopping and travel)

3. Pudong Development Bank AE Platinum Card (can be called the magic card of 2017)

4. CITIC i Platinum Credit Card (shopping, food)

Compared with Platinum Card The gold card naturally has higher application requirements and costs money to maintain, but the benefits and limits of the platinum card are really attractive.

The limit of the Platinum Card is much higher than that of the regular card and gold card. Moreover, this also shows more noble status and marks the cardholder as a successful person.

Bank VIP services, airport VIP lounges, complimentary high-value aviation accident insurance, discounts at preferential merchants, free golf in many cities across the country, points redemption for distances, free car rescue, and no appointment for physical examination at a top-level hospital , skipping queues and other multiple privileges are all available to standard platinum cards.

Today’s Platinum Card annual fee charging standards: No matter whether the card is opened or not, once the card is approved, the annual fee will start to be charged. Most credit cards follow this standard, and the annual fee ranges from five hundred to several thousand yuan. wait. Annual fees are waived for card swiping purchases, and the standard is: card swiping purchases in the first year range from tens to hundreds of thousands.

There are genuine and fake Platinum Cards.

Nowadays, various banks have also launched many fake platinum credit cards, commonly known as "little platinum". This type of platinum card seems to be no different from the standard platinum card, but in fact, it is very different.

Limit distance: Standard platinum credit cards have a higher starting limit, and the common starting credit limit is more than 100,000, while the limit of "little platinum" is usually only slightly higher than that of gold cards, depending on the qualifications , the starting point of the quota usually ranges from 30,000 to 50,000.

Annual fee distance: Normally, the annual fee for a standard platinum card will be as high as several thousand yuan, but "little platinum" can waive the annual fee or offset it by swiping cards and points.

Service distance: The above-mentioned advantages are usually only for standard credit cards, and the services that "little platinum" can enjoy are very few.

Due to the special nature of platinum cards, if automatic applications are applied for platinum cards from some banks, many of them will be approved. These banks are more likely to automatically send invitation letters to invite qualified users to upgrade to platinum. Card.

If you need to set a credit limit for an additional card or modify the set limit, please call the 24-hour Platinum VIP Service Hotline and our Platinum Service Specialist will handle it for you.

There is no separate statement for the supplementary card. All transaction details of the supplementary card are uniformly listed on the statement of the main card and sent to the main cardholder to facilitate you to master and understand the supplementary card. usage.

This ends the introduction about platinum credit card recommendations and whether it is easier to recommend others to apply for a credit card. I wonder if you found the information you need?