Introduction of CITIC Bank's credit card flight delay insurance

Flight delay or cancellation, almost everyone who flies will encounter this situation several times! Because there are too many factors to consider in the plane, it is not the right weather every time, but the flight delay. We have flight delay insurance, as everyone knows!

But do you know whether the payment standards of different banks are the same? Bian Xiao thinks that many people may not know, so next, Bian Xiao will introduce some compensation standards for each bank!

1 Bank of China

The first advantage of China Bank is that it is one of the few banks that can enjoy air delay insurance without using this card, and it must meet the conditions: old customers need a single card per month 199 yuan x3.

After the new user's credit card is activated, he can get flight delay insurance by spending money or spending money at will.

The second advantage is that Puka and Gold Card can also be guaranteed. However, it is unlikely that Puka and Jinka will be compensated after a delay of 4 hours.

Specific terms:

The departure time of Unlimited Card, American Express Card and Platinum Card is delayed by 2 hours. 300 yuan, 4 hours in 500 yuan, 8 hours 1000 yuan. Cumulative platinum salary

3 thousand, only lose money, not make money. Unlimited cards and American Express cards contain 5000 spouses and 5000 children.

The departure time of Puka and Jinka is delayed by 4 hours in 500 yuan, with a delay of 8 hours 1 1,000 yuan. The accumulated annual amount is 2000 yuan.

The third advantage of China Bank's flight delay insurance is that mileage redemption and ticket change can be guaranteed, which most other credit cards do not have.

2. China CITIC Bank

The flight delay insurance provided by CITIC Credit Card has the following characteristics: firstly, tickets must be purchased through designated channels; Secondly, there is no annual fee for the platinum card. If it is delayed for 2 hours, the ticket will be replenished, and the maximum payment will be 1000.

Yuan.

Third, eligible peers can get compensation, that is, the cardholder's spouse, parents and children take the same flight with the cardholder and hold CITIC Credit Card (the cardholder/kloc-children under 0/8 years old do not need to hold CITIC Credit Card).

However, the exemption clause of CITIC Bank's flight delay insurance also needs attention: First, the delay insurance can only be used for pure air ticket orders. If you buy air tickets+,

The hotel or the whole tour fee must be paid separately, otherwise it will not be compensated;

Second, change the ticket without compensation; Third, the departure time has been delayed or cancelled for two hours, which is the most pit; Fourth, there is no compensation for airport closure and mileage exchange tickets.

3. Shanghai Pudong Development Bank

The delay insurance attached to AE White Platinum Card requires 70% of the air ticket or tour fare, and 500 yuan will be compensated for the delay of 4 hours, with a single and annual cap of 5,000 yuan.

Yuan; Mileage exchange tickets are not compensated, and yuan tickets are not compensated.

4. Guangfa Bank

Guangfa Bank has more than one aviation co-branded card, and the card level is divided into five levels, from ordinary cards to big platinum. Its characteristic is that airline joint cards do not need to buy tickets, and non-joint cards need to buy air tickets or 20% discount.

Tour fee;

The delay will be compensated for 4 hours, based on the arrival time of the flight, and the scope of compensation includes mileage exchange for air tickets.

The compensation standard for delay insurance includes spouse and children, with gold card capped at 1000, platinum card capped at 2000 and ordinary card capped at 300.

Yuan.

In addition, some Platinum Cards, Zunyue Elite Cards, Unlimited Cards and World Cards also contain travel inconvenience insurance to cover emergencies such as delayed baggage, lost baggage, replacement of travel documents, and travel interruption, with an upper limit of 2,000 yuan.

5. Ping An Bank

According to the flight departure or arrival time, whichever is longer, the delay of 2 hours will be compensated. Platinum credit cards pay a maximum of 2000 yuan each time, and diamond cards pay a maximum of 6000 yuan each time; Elite Platinum Credit Card Delay 3

Hours and above, the highest compensation for 800 yuan.

Fares do not include civil aviation development fund, fuel cost and overseas flight tax. You need to use this card to buy tickets. Tickets must be paid separately and cannot be paid together with the tour fee. Global flights can be paid.

6. Bank of Communications

Bank of Communications only has the flight delay insurance of Platinum Card (White Kirin), which needs to be used to pay 80% of the full cost of the vehicle or the tour fare. Platinum card delayed for 2 hours, fixed payment to 500 yuan.

Fixed hourly payment 1000 yuan, unlimited times;

500 yuan will be paid if the baggage is delayed for 2 hours and paid for 4 hours 1000.

Yuan; At the same time, it covers property loss, loss of documents, hospitalization, medical transportation, trip shortening, trip cancellation, travel accidents and so on.

7. China Merchants Bank

China Merchants Bank has always been known for its good service, but the risk of flight delay is general. Because it takes four hours to pay, the probability of being paid is very low.

Airline co-branded cards, hotel co-branded cards, Gloria Hotels Group co-branded cards and all-currency international credit cards: 4 hours flight delay/6 hours baggage delay or lost/lost documents/trip cancellation reimbursement.

1000 yuan.

Platinum Card (UnionPay White/Classic White): 4 hours flight delay /6 hours baggage delay or loss/lost documents/trip cancellation reimbursement 2000.

Yuan, if there is no cost during the delay, 500 yuan can also pay a fixed amount.

Unlimited card, AE white card and diamond card: the maximum reimbursement is 4,000 yuan, and the fixed payment is the same as above.

8. Industrial Bank

Industrial Bank provides air delay insurance services for designated diamond, platinum and titanium credit cards (except platinum card of Cheyou credit card), and it is required to purchase tickets or pay 80%.

The above tour fee. The delay time is calculated according to the arrival time of the flight.

Industrial Bank Card is marked in white, leisure series, delayed for 4 hours, with a fixed compensation of 600,3000 yuan * * * 5 times a year, with a reimbursement cap of 5,000 yuan (myself, spouse and up to 2 children).

5000), the benefits are particularly obvious in the case of family travel.

The above are common credit cards with flight delay insurance, because most of them are divided into two types: 2-hour deductible and 4-hour deductible, so you can give priority to 2 according to your credit card when buying air tickets.

Pay by credit card from hours.