Platinum cards worth applying for next year

The so-called playing cards means playing with points and rights. Generally speaking, high-end cards will have relatively rich benefits and higher points return rates. Correspondingly, the holding costs will also be higher, which is the annual fee cost.

This article discusses platinum cards that are still worth holding after the "warm upgrade". The selected cards not only have good benefits and high points return rate, but also have no annual fees as much as possible. The key is the following Platinum card with low card threshold.

Since its launch in March 2005, the rights and interests have been relatively stable for more than ten years. Especially after the baptism of the "heartwarming upgrade" in 2018, only this is the only remaining high-end credit card of China Merchants Bank. It’s a platinum card worth applying for.

The annual fee for Classic White is 3,600 yuan/year, which will be charged one year after the card is approved. 10,000 permanent points can be used to offset the annual fee. However, there have been some changes recently. The current policy for points redemption for annual fees is until May 31, 2019.

For purchases made with the Classic Platinum Card on the cardholder’s birthday, the cardholder will enjoy 10 times the points for points-based transactions (1 times the base and 9 times the bonus points, of which the “reward points” part is capped at 10,000 points). You only need to spend 22,240 yuan on your birthday to get 1,112 points (basic points) and 10,000 points (bonus points).

For China Merchants Bank Credit Card, if you don’t have the Classic Platinum Card (forget it, it’s a scam), then the accumulated points can only be used to exchange for pots and pans.

For the Classic Platinum Card, you can use 2,000 points: 1,500 to redeem the three major airline miles such as Air China, China Eastern Airlines, and China Southern Airlines, or 2,000: 1,800 to redeem Asia Miles. The annual limit is 50,000 miles (miles). .

Flight delay insurance is also one of the standard benefits of many high-end platinum cards. Classic White’s flight delay insurance is a fixed allowance of 500 yuan for a flight delay of 3 hours, with an increase of 200 yuan for every hour exceeded, with a cap of 8 hours. , up to 2,000 yuan. For me only.

The flight delay insurance that comes with many cards does not cover flights with mileage tickets. However, when using miles to redeem air tickets, you can get delay insurance protection by paying taxes and fees in vain.

Other privileges of Classic White, such as "300 yuan and 100 points" hotel stay for 6 nights a year (of which 2 nights can be booked in overseas hotels), 6 CIP airport express security rights throughout the year, and 12 golf driving ranges per year, free physical examination once a year, etc., have always been very stable rights.

If it were in the past, I would definitely recommend the standard platinum card, which is the White Kirin. Unless you have Longteng points or need to be a driver, I would recommend you to apply for the Premium Platinum Card. The important thing is that the annual fee can be waived with the Youyi Platinum Card. Although Bai Qilin can also exchange 250,000 points for the annual fee, 250,000 points can be exchanged for nearly 13,000 Asia Miles, which is worth close to 1,000 yuan. But you must know that the application threshold for Youyi Platinum Card is lower than that of Bai Qilin.

Only the Platinum Card can redeem Bank of Communications points for air miles. Like the Bai Qilin, the Youyi Platinum Card also has an 18:1 redemption rate for miles, with an annual upper limit of 150,000 kilometers/mile (requiring 2.7 million points). The 20 times points activity can achieve an exchange ratio of 1:1.1 (), which is unmatched by domestic credit cards and can be called a mileage artifact.

Of course, if you already own White Qilin, then please make good use of your White Qilin. There is no need to downgrade. But if you hold a Bank of Communications credit card (Jinpu Card) with a limit of more than 10,000, then please upgrade to the Youyi Platinum Card without hesitation, because this is one of the platinum cards that is really worth applying for.

ICBC is known as the "Universal Bank" and is very generous in doing things. At the end of 2018, ICBC bucked the trend and adjusted the rights and interests of its platinum cards - ICBC's platinum cards meet certain standards and can enjoy unlimited Longteng services and can bring 3 people at a time if certain conditions are met. Get 10 points of travel privileges, which can be exchanged for airport transfers (2 points/time), Longteng meal tickets, express security check, Longteng meal tickets, car parking services and other services.

The annual fee for the ICBC Platinum Card is RMB 2,000 per year, and the first year is waived for some card types, such as the Shangri-La Hotel Platinum Card and the newly launched Forbidden City Platinum Card. Spend RMB 200,000 with your card (regardless of whether points are counted or not) and you will be exempted from the annual fee for the following year.

Considering that the annual fee is waived in the first year, it is recommended to apply for the ICBC Shangri-La Hotel co-branded card. Swipe 120 = 1 Shangri-La point, 1,000 Shangri-La points = 100 US dollars, which can be used to deduct dining expenses at the Shangri-La hotel.

In addition, cardholders who have successfully applied for an ICBC Shangri-La Credit Card before December 31, 2019 and spent a total of RMB 30,000 (or the equivalent in foreign currency) within three months from the date of issuance of the card can Receive 1,000 Golden Circle points, worth US$100.

The “warm upgrade” at the end of 2018 was started by Shanghai Pudong Development Bank. When it comes to Pudong AE Bai, it feels a bit like an outdated Internet celebrity. AE Bai, which has been on the throne of the "god card" since the end of 2015, has significantly adjusted its rights and interests. Many people call the "god card" fallen. The throne.

After the “Heartwarming Upgrade”, what remains unchanged is the annual fee policy: Pudong Development Bank’s first high-end card (including AE Super White, AE White, Royal Seal Card, Unlimited Card, Priceless World Exclusive Card, Priceless World Elite Card, etc.) will waive the first-year annual fee, and AE will deduct 200,000 points from the annual fee for the next year.

AE Bai can still redeem mileage at a ratio of 12:1, but the annual limit is 30,000 kilometers. However, if you are a wealthy person and your assets in Pudong reach 1 million, you will be given an additional limit of 100,000 kilometers.

However, Pudong Development Bank has a "mileage bank" where you can use points to recharge mileage value. The recharge ratio is 60 points = 1 mile value. 1 mile value is exchanged for 1 kilometer of domestic airline mileage. If combined with five times the points For rights and interests, the actual exchange ratio is 12:1. This ratio is not bad for many platinum cards.

Other rights changes include 5 airport pick-up and drop-off services per year, flight delay insurance for reliable flights if the card is swiped up to the standard, and the PP card is exchanged for Longteng, and I can still bring unlimited companions up to 7 times. For details, please click "First Generation" God Card" understand.

Although the benefits of AE White have been severely shrunk, considering that the annual fee is waived, and it comes with unlimited dragons, 5 airport pick-ups and other benefits, it is still worth applying for. However, the application threshold is still high and may not be easy to apply for. Woolen cloth.

The only feature is that you can get multiple points by swiping your card. Before March 31, 2019, if you have assets of more than 50,000 yuan in CITIC, you can get 6 times the points by swiping your card. If you reach more than 200,000, you can get 9 times your points by swiping your card.

Platinum cards (except for the annual fee-free platinum card) can be redeemed for miles at a ratio of 25:1. If you get 9 times the points, it is equivalent to 2.78 yuan = 1 mile! The important thing is that the annual redemption limit is 200,000 miles (150,000 domestic airlines and 50,000 Asia-Pacific miles).

As for the points acceleration rights after March 31, 2019, you need to wait patiently. Even if it is adjusted to 6 times the points for assets above 200,000 in the future, it is still good.

When it comes to Industrial Bank credit cards, the most widely circulated one is probably the famous Xingkayou series platinum card (referred to as "Xingyoubai"). The rigid annual fee is 900 yuan/year, and the main benefits include: 2 overseas airport pick-ups, 4 domestic airport pick-ups, airport VIP lounge use, CIP fast customs clearance service, flight delay insurance, etc.

Points 10:1 can be redeemed for Air China, China Eastern Airlines, China Southern Airlines, and Hainan Airlines miles. The optimal upper limit is 200,000 points (20,000 miles). After that, the redemption ratio is 25:1.

Guangdong Development Bank has always been widely praised for its generous accumulation ratio of airline co-branded cards. However, all this also ended last year. Business travel consumption no longer accrues double mileage, and the upper limit of accumulated mileage consumption has been reduced to 600,000 yuan per year.

Let’s review the consumption accumulation ratio of Guangfa Airlines co-branded cards: value-added platinum card (2500 annual fee) 7:1, premium edition platinum card 10:1, titanium card 10:1, gold card 14 :1.

The value-added version of the Platinum Card has been discontinued. The most worthwhile thing to apply for now is the Premium Edition Platinum Card.

Taking the China Southern Airlines co-branded card as an example, the Premium Edition Platinum Card redeems miles at a ratio of 10:1, with an annual limit of 60,000 kilometers.

The cost of holding the card is a rigid annual fee of 800 yuan. However, although double mileage accumulation for business travel is cancelled, Guangfa Mall coupons are given as an additional gift, as detailed in the table below.

If you spend more than 60,000 yuan on business travel every quarter, you can get 460 yuan of Guangfa Mall coupons with the Premium Edition Platinum Card. After reaching the standard, you can log in to the Discover Wonderful APP, collect the coupons at Guangfa Mall → and use the mall coupons to purchase Shopping cards or physical goods.

People's livelihood is about people's livelihood, but people's livelihood is not enough! This is the legend about Minsheng Bank’s credit card. But in fact, China Minsheng Bank also has a platinum card worth applying for.

However, the Platinum Card with benefits requires an annual fee. However, the Elite Platinum Card, newly released last year, is the most suitable card for new customers of China Minsheng Bank to apply for. Because new Minsheng customers apply for thousands of exclusive points to offset the annual fee.

Elite White earns 2x points on overseas purchases and 3x points on birthdays. Therefore, it should not be difficult to earn 200,000 points the following year. Since it is the best card to get on board, the benefits must be sufficient. The Elite Platinum Card will give you 900 points every year, which can be used to redeem exclusive benefits.

A minimum of 55 points/person/time can be redeemed for airport VIP lounge services; 400 points can be used to redeem an unlimited Priority Pass membership card (PP card, valid for 1 year, the following year) for personal use only. Renewable with 400 points), this should be the easiest PP card to get at present and can be used for free; the minimum is "299 yuan and 200 points", which can be redeemed for one hotel stay throughout the year; 275 points/time, redeemed in Beijing, Shanghai and Guangzhou Registration service for all departments in more than 700 tertiary hospitals in more than 40 cities; minimum 220 points, once a year, physical examination booked 3 working days in advance; minimum 110 points, free dental care once a year.

Minsheng Bank’s points are unique in being used to redeem value-added services. Cardholders can “redeem on demand” and redeem the rights they just need. The elite platinum card hotel physical examination and dental cleaning can use 520 points. If you redeem another PP card, 900 points per year are not enough, so you don’t have to worry about wasting them (to redeem points, log in to the National Life APP and enter "Life" → "Enjoy Service" → "Value-Added Service Platform").

In addition, the Elite Platinum Card also comes with flight delay insurance, which pays 1,000 yuan/time for 2 hours of delay, or 2,000 yuan/time for 4 hours of delay (a fixed compensation of 1,000 yuan will be reimbursed for 1,000 yuan). The key point is that no flight delay insurance will be paid throughout the year. Limited times.

Against the backdrop of banks generally cutting back on rights and benefits, there are not many good cards left. The benefits are practical, the points return rate is high, and the cost of holding the card is not high. There are really not many platinum cards that are still worth applying for and holding, so use them and cherish them!

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