360° comprehensive analysis of China Merchants Express Centurion Platinum Card (AE White) with no blind spots

As one of the high-end credit cards of China Merchants Bank, American Express Centurion Platinum (referred to as "AE White") will no longer participate in the "25,000 points for the first purchase" activity starting from May 1. Mr. Aika led Everyone gets a glimpse of AE Bai.

First of all, go to the high-definition coded king's way

Front:

If there is no UnionPay plaster, this card will definitely look amazing

Card Comes with rights statement:

Very simple packaging and rights statement, without Pudong AE white high-definition style (thick paper box + card holder)

Let’s look at the specific rights and benefits

Benefits mainly cover six categories: travel, hotels, catering, health, sports, and security.

√Free access to Priority Pass airport VIP lounges for unlimited use throughout the year

Priority Pass, commonly known as PP card, is purchased by China Merchants Bank from a third-party company. There is no supplementary card, only the main card. Card holders receive free gifts (official website: /, the annual fee for individual purchases is US$399, you can download the app to view the details of VIP lounges in each city). Card holders can enjoy unlimited access to airport VIP lounges covering 500 cities in 130 countries. You can bring people, but the usage fee is $27 per person each time. Mr. Aika has tested that many VIP lounges are very good. In some cities, you can also enter the first-class lounge. There are also pitfalls, such as Beijing Capital Airport. PP cards are not applicable in domestic terminals. Pudong AE White can enjoy 6 free visits per year.

√Free and unlimited use of VIP services in more than 100 airport lounges around the world

Cardholders (including supplementary card holders) can enjoy unlimited airport VIP boarding As a courtesy, you can bring one person with you for free. Reservation is required at some airports. Beijing can take express lanes (CIP), but the experience in the lounge after security check can only be haha. In addition, Guangzhou is not included, Guangzhou is not included, Guangzhou is not included. . . Shenzhen is a VIP tour, so you can make a reservation by calling in advance.

√Enjoy free FHR plan and exclusive stay privileges at The Hotel Collection’s selected luxury hotels

Fine Hotels & Resorts

Globally including Peninsula, Four Seasons, Weibo, etc. There are more than 900 selected hotels under nearly 50 brands including Sting, Ritz-Carlton, St. Regis, Hyatt, and Aman, located in major cities or tourist destinations around the world.

Exclusive benefits:

Early check-in at noon (subject to room availability)

Upgraded room upon arrival (subject to room availability)

Daily breakfast for two

In-room Wi-Fi (with exceptions)

Guaranteed check-out until 4 p.m.

Individual Partner hotels also offer additional benefits, such as a US$100 dining voucher or a massage for two

The Hotel Collection

The Hotel Collection covers hundreds of hotels and resorts owned by world-renowned hotel groups. Such as Hyatt Hotels and Hilton Hotels. When you book The Hotel Collection through the American Express VIP service line, you can enjoy extraordinary benefits. Room rates are as low as US$150 per night, and if you stay for two consecutive nights, you can get a hotel credit worth US$75, which can be used for designated dining, SPA services and resort activities. If availability permits, we'll even offer you a room upgrade when you check in.

√ Enjoy free elite membership benefits of international hotel groups

Carlson Club (mainly Radisson Hotel, Carlson Rezidor Hotel) and Hilton Honors Club (mainly include Hilton, Waldorf Astoria, Conrad, etc.) gold card memberships are more common abroad than domestically. After opening the card, you can call the VIP hotline to obtain it, but it seems that the above-mentioned hotel gold card benefits are useless.

√ 4 times a year "300 Selected Hotels" VIP room night privileges

From April 1, 2017 to March 31, 2018, you can enjoy 4 The right to stay in one room and one night at VIP price in "300 Selected Hotels".

Partnering hotels include:

√Catering

Free buffet "two people traveling together, one free" benefit at about 80 five-star hotels across the country

988 yuan to enjoy the luxury five-star hotel buffet privileges

788 yuan to enjoy the boutique five-star hotel buffet privileges

√ Sports and health

All year round 12 Free practice services at more than 100 golf driving ranges across the country

Five-star hotel fitness sessions per month, only available in the six major cities of Beijing, Shanghai, Guangzhou, Shenzhen, Chongqing and Chengdu. Card users reported that it is difficult to make an appointment, especially in Shenzhen (1 Home, Ritz-Carlton). There is only one hotel in Guangzhou, the Guangdong Sheraton, and it is relatively easy to make an appointment for a meat test.

Free health examination services from 50 well-known medical examination institutions across the country once a year and free oral care services once a year

√Others

Ten times points for birthdays Privileges

Avis and Hertz car rental discounts Hertz gold membership

Free aviation accident insurance up to RMB 15 million

Free travel inconvenience insurance up to RMB 4,000

Overseas travel and medical assistance services up to US$1 million

Free card loss protection 48 hours before reporting loss

In general, AE White’s rights and interests are fairly balanced, relatively Suitable for business people, the main card has a rigid annual fee of 3,600, but you can apply for 2 supplementary cards with no annual fee (some supplementary card holders can also enjoy some benefits, such as fitness, VIP boarding services, etc.), and the 25,000 bonus points for the first purchase has become history. , travel has PP (only the host card holder cannot bring people for free) and VIP boarding rights (CIP or VIP or Louge), the hotel has Carlson and Hilton gold card membership blessings, 30100 points star-rated hotels four times a year Better than nothing, you can choose FHR and The Hotel Collection for vacation. Once a year physical examination and oral care are not bad. For fitness and exercise, you can choose star hotels 5 times a month, golf driving ranges 12 times a year, etc. AE White points can be redeemed for SPG points (exclusive) and airline miles (China Southern Airlines, Air France, British Airways, etc.). It seems that the 10 times points benefit for birthdays has been changed. The official website rules are:

From August 1, 2016 to July 31, 2017, you can enjoy the accumulated spending with Centurion Platinum Card on your birthday. 10 times points bonus, with a cap of 10,000 points per household.

The cap of 1W per household is a bit of a pitfall. It is valid until July 31, 2017 and will be extended by visual inspection.

Let’s talk about the shortcomings. The rigid annual fee is not within the scope of the discussion. Let’s talk about other things:

PP cards cannot bring people for free, and only the main card holders can give them as gifts, so that It’s very embarrassing to bring up a family. It’s awkward for only the husband to go to the VIP lounge or just the wife. It’s even more difficult when you add the mother-in-law;

AE white VIP boarding privileges are not available in Guangzhou, and currently China Merchants Bank only has unlimited Cards and private banking are exceptions in Guangzhou, and you can use VIP or CIP. As Guangzhou Baiyun Airport has huge throughput and traffic, AE Bai is more embarrassing;

Giving hotel memberships as a gift is useless. You can choose Minsheng AE Bai, which comes with SPG Gold Card membership valid until March 2021. Link to Marriott to upgrade to gold, then 9N free picks, link to China Eastern Airlines silver card, etc. It’s so cool that you don’t want to do it, but there is no AE free with China Merchants Bank;

The hotel fitness rights are embarrassing, there is only one hotel in Guangzhou and Shenzhen that can be reserved. , it is basically impossible to make an appointment in Shenzhen;

It is difficult to get the card. It seems that many cardholders have reported that it is difficult to get the card, and there is a high chance that it will not pass the review.

Mr. Aika’s AE application materials are for reference:

Golden Sunflower (pay wages on behalf of the card, free of management fees)

House book (first-tier cities, Bank staff will conduct a valuation)

Bank statements (record the statements in the past three months on the mobile phone APP)

Personal documents

No financial management, no large deposits< /p>

Fill in the form

The branch handles it, and the name will be given out every week. It will be reviewed on the 8th day - reviewed and passed on the 9th day (Sunday) - quota 10W - call customer service on the same day to customize the tail number - 11th Receive the express card on the 12th day - receive the new last number card on the 12th day and open the card

Finally, apply for the card rationally, swipe the card rationally, and do not blindly pursue the so-called rights and lose other better things in life. ***Mian.