The most practical credit card

The most valuable 10 credit cards are as follows:

1. China Merchants Bank Youth Card

China Merchants Bank YOUNG Card is a classic credit card with low application threshold and no handling fee. Office workers who have just joined the work are also very easy to raise.

2. Safety owner card

For friends who have cars, the Ping An car owner card is also relatively easy to raise. Ping An Car Owner Card cooperates with PetroChina and Sinopec, and there is a 8.8% discount for daily refueling, which is worth improving for car owners.

3. Bank of Communications Wal-Mart Credit Card

Bank of Communications Wal-Mart Credit Card can save a lot of money for everyone. Every year, 654.38+ 10,000 points can be exchanged for 927.5 yuan, and you can also enjoy the "most red star period five" week consumption discount.

4. Guangfa Sharp Card

Guangfa Ruika is one of the most valuable 10 credit cards, which can be cashed back in department stores, supermarkets and restaurants, with a maximum cashback of 5%, saving money and accumulating credit.

5.ABC beautiful mother card

The beautiful mother card of ABC is very suitable for mothers to raise. From Sunday to next Friday, 1% of the consumption amount will be refunded for every 100 yuan spent, and 5% of the consumption amount will be refunded for every 100 yuan spent every Saturday.

6. China Industrial and Commercial Bank JCB Travel Credit Card

For friends who like to travel, ICBC JCB Travel Credit Card is one of the most valuable 10 credit cards. ICBC JCB Travel Credit Card can provide many benefits for overseas travelers.

7. ICBC WeChat Credit Card

ICBC WeChat Credit Card is a valuable online chat family. The grace period for repayment is 3 days. At present, the repayment tolerance is 10 yuan, and the shopping weekend is as low as 50%.

8. CITIC Bank Taobao Card

Among the 10 credit cards worth raising, CITIC Bank Taobao Card is also one of them. China CITIC Bank Taobao Card supports online transactions 10 times points, and enjoys a 50% discount at designated stores on Wednesday and Saturday.

9. Minsheng Fellow Uncle Card

Minsheng Uncle Card is also worth raising, 12 constellation, 12 exclusive card. While accumulating personal credit, you can also enjoy uncle's exclusive service.

10. Shanghai Pudong Development Bank Beauty Card

The beauty card of Shanghai Pudong Development Bank is also one of the most valuable 10 credit cards. Cardholders spend more than 3,888 yuan a month, which can be exchanged for gas card/phone bill/JD.COM. COM electronic card/movie ticket/Tmall supermarket Taobao card/high-end hotel buffet, etc.

Top Ten Cost-effective Credit Cards: Everyone who has used them says yes (Part Two)

There are many credit cards with good cost performance in the credit card industry. I counted five before, and now I count five more. Some of them are relatively high-end, and they have been regarded as classic magic cards ever since. Although the rights and interests are warmer than before, it is still worth doing. Let's have a look.

1, CCB enjoys a platinum card.

The quota is approved from 80,000. In 2020, new and old customers will get 65,438+10,000 points for their first card application. There will be three domestic airport unlimited VIP room services +PP international airport VIP room services, three domestic airport/high-speed rail pick-up services and six domestic free driving services worldwide. Three one-on-one consultations in the outpatient department of 3A hospital+unlimited free appointments, which I can share with three relatives.

You can also give a high amount of insurance protection, up to 20 million yuan * * * traffic accident insurance+1000 yuan luggage delay every 4 hours+50,000 yuan card loss protection. It is worth mentioning that the annual fee 1800 can be exchanged with 40,000 points, and you can also apply for the 1 supplementary card for free.

2. China Merchants Bank Classic White

Among all the high-end cards of China Merchants Bank, the only platinum card that can reduce the annual fee is 10000 permanent points, which can be exchanged for an annual fee of 3,600 yuan. If you swipe your card for 10 times in the month of your birthday, you can earn points quickly, with a quota of 60,000 batches. Online shopping can be cashed back, and consumption abroad can grab 10% cashback.

In particular, the rights and interests of business travelers are quite good. Six VIP rooms in the airport can be accommodated 1 person, 1 free oral care, 12 golf course, compensation for delay of more than three hours in 500 yuan, and six nights in 300 selected hotels. , suitable for business travelers.

3. China Everbright Bank Tik Tok Co-branded Card

For the credit card free of annual fee within the validity period, Everbright Tik Tok card is also cost-effective. First of all, when shopping, you can enjoy a variety of discounts, such as 30 yuan Tmall Supermarket Rights 10 yuan, Starbucks Special Price Star 40 minus 20, and Hainan Duty Free Shop 50 when the shopping list is over 500.

Secondly, it can also provide high-end card business travel service, airport VIP lounge service at 3 o'clock/year or high-speed rail VIP lounge service at 6 o'clock/year, and 300 yuan 2-hour delay insurance. Although you can't pick up and drop off airport rights and hotel rights, the calculation is still value-added

4. Bank of Communications Kirin White

There are UnionPay+MasterCard Edition and Bank +visa Edition, and the annual fee of 1 0,000 yuan can deduct 250,000 points.

Like all high-end cards, the rights and interests of Bank of Communications Qilinbai mainly focus on business travel, including six VIP room services at Bank of Communications Ward Fortune Domestic Airport+six VIP room services at Longteng Global Airport, six free driving times a year, and high traffic insurance. Points can be exchanged for miles at the ratio of 18: 1, which is suitable for high-end customers with overseas consumption needs.

Summarized the most popular credit cards (debit cards).

TOP 1: Classic Platinum Credit Card (Debit Card) of China Merchants Bank

Reason for listing:

The most popular platinum card, with the same rights and interests, is the only big platinum card that can be called "classic". Needless to say, it is one of the favorites of the wool family. Most of the rights and interests are used, and the annual fee is settled on the birthday.

1) 4+2 nights per year "300+ 100" high-end hotel benefits;

2) VIP lounge service at the airport six times a year;

3) Annual 1 free oral care service and 1 physical examination service (transferable);

4) mileage redemption: 1500 points can be redeemed for 2000 miles of Air China, China Eastern Airlines and China Southern Airlines, and 1800 points can be redeemed for 2000 miles of Asia, with 50,000 miles per household per year;

5) Aviation accident insurance up to150,000 yuan and travel inconvenience insurance up to 2,000 yuan (including flight delay insurance).

TOP2: China Guangfa Bank DIY Credit Card (Debit Card)

Reason for listing:

New customers of Guangfa DIY credit card (debit card) can enjoy exclusive 6% cash back, and enjoy the highest 240 yuan. 3 times of the designated business (catering, hotel accommodation, business travel, entertainment, etc.). )+Gold card-level amount with platinum card level of other banks at any time+points can be directly exchanged for repayment-free signing amount (equivalent to cash).

TOP3: Ping An Bank Travel Platinum Credit Card (Debit Card)

Reason for listing:

Bonus hunter is the first choice. There are 30,000 domestic cashback cards, and the consumption under the specified merchant type is 1% cashback. The maximum cash back is 1% of the fixed amount of each billing month, and the maximum amount is 500 yuan. Cash back and most active wool are perfectly superimposed, and the threshold is not particularly high. If you can play with Dabai, it will be full of fun. Just 18 went offline in an emergency, making travel a thing of the past. It's a pity that the card friends who got on the bus late. I hope it can be reopened on 19.

TOP4: ABC You Ran Platinum Credit Card (Debit Card)

Reason for listing:

A pair of wings on the card face are beautiful and elegant. As a small platinum card free of annual fee, Agricultural Bank of China has good health rights. Free of annual fee in the first year, and free of annual fee in the next year by swiping credit card (debit card) 12 times; Health rights and interests: provide 3 expert appointment registration and accompanying medical treatment services free of charge throughout the year: provide expert recommendation and appointment registration; There is a special person to accompany you to see a doctor, take the number, draw the price, take the medicine and help you pay the bill. Service hospitals include most of the top three hospitals in major cities. The promotion quota of ABC is also very powerful.

TOP5: Bank of Communications Platinum Credit Card (Debit Card)

Reason for listing:

The ancients thought that "where Kirin haunts, there must be good luck", and the beautiful meaning brought by using such cards is self-evident. Regardless of the rigid annual fee or not, as long as the value of the card far exceeds the annual fee, even beyond your expectations, it is enough to deserve the word "platinum". The annual fee of white unicorn 1000 yuan should be a very conscientious platinum price. But also easy to deduct.

1) Airport "Ward Fortune" airport VIP service: the main cardholder can enjoy 6 Ward Fortune "airport VIP service, and the three supplementary cardholders can enjoy 6 Ward Fortune" airport VIP service;

2) Airport Longteng VIP room courtesy: the main cardholder can enjoy six Longteng VIP rooms, and the three supplementary cardholders can enjoy six Longteng VIP rooms;

3) Drunk driving service: In more than 70 cities across the country, you can enjoy 6 times of 50 km/time drunk driving service every year;

4) Redemption mileage of points: 18: 1 Redeem air mileage (Air China, China Eastern Airlines, China Southern Airlines, Hainan Airlines and asia miles), with a maximum mileage of 300,000 miles per year (the maximum mileage for all airlines is 540W/ year).

TOP6: Shanghai Pudong Development Bank American Express Platinum Credit Card (Debit Card)

Reason for listing:

Aebai was elected as the most cost-effective card for three consecutive years, and it deserved it. The annual fee for the first year is free, and the annual fee for the second year can be deducted by 200,000 points.

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

2) Free airport transfer right in China: you can enjoy free airport transfer service in more than 40 major cities, 4 times a year;

3)PriorityPass airport VIP room courtesy: the main cardholder can enjoy unlimited PriorityPass airport VIP room service, and can accompany 7 people for free throughout the year;

4) Redemption mileage of points: 12: 1 converted into air mileage (Air China, China Eastern Airlines, China Southern Airlines and Hainan Airlines), with an upper limit of 6,543,800 miles per year (the upper limit of Hainan Airlines is 60,000 miles per year);

5) From June 30th, you can enjoy the second free extended stay if you book a room in China Shangri-La Hotel in advance. The duration of the activity is set at 5000 nights, and you can enjoy up to 2 rights and interests.

6) You can enjoy aviation accident insurance of up to150,000 yuan and travel inconvenience insurance of up to 5,000 yuan only by paying more than 70% of air tickets or tour group fees for yourself, your spouse and children in full with the Platinum Card of Pudong Express; Reliable flight activities are over;

7) Medical and travel rescue services at home and abroad.

TOP7: Monet World Credit Card (Debit Card) of Bank of China.

Reason for listing:

The hottest kind of card, then multi-wave is called tide release, Moneka is really right. Card approval is high. At the same time, the small platinum card with UnionPay platinum card (first application) is free of annual fee.

road

TOP8: Bank of Communications Uniqlo Platinum Credit Card (Debit Card)

Reason for listing:

Once launched, Xiaobaijin was widely praised. Some platinum cards have benefits, and the application threshold is slightly lower than other platinum cards. Platinum equity Puka is settled in, and the annual fee is exempted for six times a year, and the mileage of points is the same as that of Bai Qilin. VIPs of branches are VIPs from overseas airports; Asia-Pacific visa; Optimal integration; The hottest week is Friday; Come on, cut back.

TOP9: Shang Zhen Platinum Credit Card (Debit Card) of Guangfa Bank.

Reason for listing:

The face value is high, and the legendary high-speed rail is white. People who take the high-speed rail must have artifacts. High-speed rail VIP treatment, business travel and consumption abroad triple points, and it is worthwhile to exchange points for air miles. The point is that you can also brush the annual fee! You can also apply for a supplementary card, which enjoys the same rights as the main card.

TOP 10: Bank of Communications Wal-Mart Credit Card (Debit Card)

Reason for listing:

No matter whether the credit card (debit card) swiped in the Kinkapuka Wal-Mart store is cashed back or not, the accumulated points of 10w spent outside the store can be exchanged for nearly 1,000 yuan to swipe the credit card (debit card), which is a lot of wool. Many cardholders with White Kirin Card will come back to apply for Wal-Mart Card, which is one of the most popular cards in traffic and has a low application threshold.

So much for the introduction of classic credit cards.