202 1 ICBC credit card recommendation

ICBC, space travel! China has the strongest card issuing ability and the largest number of credit cards! There are many kinds of cards issued. 100 has many kinds of cards to choose from! What specific card types are worth trying? Let's talk in detail today!

Before analyzing all kinds of credit cards, let's talk about the general situation and some routine contents of ICBC's credit cards.

Introduction of credit card system:

As you can see, ICBC has clearly defined the credit card system. There are standard, interesting, female, official, digital, various co-branded card series, etc. Product line is very clear!

Grades can be divided into: black gold card, platinum card, (simple platinum, unbounded platinum) gold card and ordinary card.

The annual fee of ordinary platinum card (platinum non-rigid annual fee) is 2000 yuan/year. The accumulated spending of swiping the card within one year is 200,000 yuan, which can reduce the annual fee of the main and auxiliary cards under the account. One-year annual fee for platinum card of main exchange with accumulated points of 654.38+0.4 million, and one-year annual fee for platinum card of sub-exchange with accumulated points of 70,000.

Airport high-speed rail travel rights:

All platinum cards (excluding simple platinum and regional platinum) and black gold cards can get love value if their annual consumption reaches the standard or they pay a rigid annual fee;

Love value can be used to deduct the points of escort, pick-up, quick security check and parking;

According to households, holding more does not accumulate the value of love and enjoyment;

1. Black gold card. ICBC Black Gold Card customers can use the global VIP room unlimited times after activating the card, and they can take their peers (up to 3 people at a time). At the same time, it is equipped with a value of 10 that can be exchanged for other rights and interests, and you can use the VIP room or exchange other travel rights.

2. Platinum card customers who spend more than 200,000 yuan (inclusive) and platinum card customers who have a rigid annual fee. I use the global VIP room unlimited times, and 10 can be exchanged for other rights, which can be used for VIP room companionship or other travel rights.

3. Platinum card customers who spend 6,543,800 yuan (inclusive) to 200,000 yuan. Give 8 free love values, which can be used for VIP room rights or exchanged for other travel rights. The right of VIP room can be used with your partner.

Platinum card customers who spend less than 4.65438+million yuan and new platinum card customers from 2020. The value gift of love can be used for VIP room rights or exchanged for other travel rights. The VIP room right can be accompanied.

Let's talk in detail about the card types that ICBC is worth knocking down:

I. ICBC Shangri-La Platinum Card

Shangri-La members and points known as the strongest wool card can be exchanged for various hotel rights, services and discounts. These can not only be enjoyed by yourself, but also through some channels!

Will apply for two cards (UnionPay VISA or UnionPay MasterCard), and both cards will be activated. The foreign currency card is the main card.

Platinum cardholders who successfully applied for and activated before June 5438+February 3 1 2020 are exempt from the annual fee for the first year, and diamond and emerald members who successfully applied for and activated the VIP Gold Circle are exempt from the annual fee for three years.

Core rights and interests:

1) VIP gold circle member. After you get off the bus, you will automatically get the gold membership of Shangri-La VIP Gold Ring Club;

2) Accumulate Shangri-La points at 1203360 1 and import them into Shangri-La member accounts before the end of next month;

3) High insurance. Aviation accident insurance, travel inconvenience insurance and account security insurance are 4 million yuan;

4) You can enjoy a 10% discount on global hotel accommodation, a 15% discount on global hotel catering and a 20% discount on annual fitness card (subject to the official announcement if there is any activity time).

5) Quickly upgrade to emerald member of VIP Gold Ring Club.

White can hang other cards through the outlet 3 136 express card issuing channel. It is the first choice among platinum cards!

Second, the main consumption cashback series

1. China Industrial and Commercial Bank Global Travel Platinum Card

It's also a problem with the "1 1" card. When you get off the card, you will get two cards, MasterCard single logo and UnionPay single logo.

The annual rigid fee is 2000 yuan/year, and the supplementary card is halved.

Core rights and interests:

1) pens and pens consumed abroad are cashed back 2%. Overseas (including online) MasterCard holders can enjoy 2% cash back for each purchase. Maximum ca per month

1) 1% cashback for domestic and foreign transactions (except for large non-daily consumption transactions such as wholesale, house purchase, car purchase and public welfare). The maximum cashback limit of Platinum Card is 500 yuan per month/5000 yuan per year. Last year's cash back quota was enough.

2) Unlimited global VIP room enjoyment 10.

Three. Aviation co-branded card

1) Phoenix Yin Zhi Peony Credit Card

2) China Southern Pearl Peony Credit Card

3) ICBC Eastern Airlines Credit Card

4) peony HNA credit card

They are all 1 1 inch cards. Synchronize the single logo of VISA or MasterCard with the single logo of UnionPay.

In the series of earning air miles, the mileage conversion ratio of platinum card, gold card and ordinary card is actually the same. Compared with other banks, ICBC's conversion ratio is general, and Air China and China Southern Airlines are1533601; China Eastern Airlines1833601; HNA 1 .

Fourth, the owner series

1. ICBC car Plus credit card

Plus cards are divided into platinum cards, gold cards and ordinary cards.

Core rights and interests:

1)6% 2% cash back. By June 5438+February 3, 20201,motorists' cardholders will refuel at more than 20,000 gas stations nationwide (please click to inquire) and enjoy 6% and 2% cash back discounts every weekend (Saturday and Sunday). Each customer can only enjoy the discount once every weekend, and the maximum amount can be returned to 30 yuan every week, 150 yuan every month.

2) Unlimited Global VIP Room 10 Love Value (Platinum Exclusive)

3) 4 million aviation accident insurance and travel inconvenience insurance (Platinum exclusive)

2. ICBC ETC credit card

The next card is free of annual fee 10.

Core rights and interests:

1) By 2020, 65438+February, 3 1, 5% of the more than 20,000 PetroChina gas stations in China will realize cash back. every time

The maximum cash back to 20 yuan per month 100 yuan;

2) 30% discount for cash installment, free of prepayment fee.

3) Handle, etc. Free of charge;

4) 15% discount for high-speed traffic (the specific details shall be subject to the announcement of the local high-speed traffic department);

5) Bind Alipay, WeChat and JD.COM to enjoy points;

6) "Smart World" one-stop car owner platform.

Verb (short for verb) Other:

1, ICBC Forbidden City co-branded Platinum Card

Advantages: Unionpay single currency. Exempted from the influence of multi-currency on newspapers. The quota party doesn't care about wool!

Core rights and interests:

1) Give 6 points to enjoy. It can be exchanged for global VIP lounge rights or airport pick-up and drop-off machines (stations), fast security inspection channels and parking and pick-up rights.

2) Cash back of overseas UnionPay online pens 1% consumption. Before 65438+February 3, 20201,all offline merchants and designated online cross-border merchants in the overseas unionpay network swipe their cards or bundle their consumption, and enjoy 1% cashback (except for large non-daily consumption transactions such as wholesale, house purchase, car purchase and public welfare). The upper limit of cash back is 1000 yuan per month. The cash back currency is RMB.

3) Bind WeChat and JD.COM and enjoy points.

4) Tickets for the Forbidden City are reduced or exempted, 1 yuan is used to rent a tour guide, and the "online celebrity" corner provides coffee.

2. China Industrial and Commercial Bank WeHotel Platinum Card

Co-branded card products jointly launched by China Industrial and Commercial Bank and WeHotel, an Internet booking platform under Jinjiang International Group.

Unionpay single currency, does not affect the newspaper!

The accumulated consumption of credit cards is 200,000 yuan, which can reduce the annual fee of the main and auxiliary cards under the account.

Core rights and interests:

Before 65438+February 3, 20201

1) After the card is successfully opened, you can get a discount gift certificate of 100 yuan (including Jinjiang Hotel App 100 yuan coupon package), and you can also get blue card membership of Jinjiang Hotel and enjoy 15% discount on the official platform reservation of Jinjiang Hotel.

2) Full house delivery. Book on Jinjiang Hotel App and pay the room rate online. Every time you stay in 10 rooms, you can get a free voucher for 1 room, and each person can get up to 5 rooms per year.

3) Credit for points exchange. In the Jinjiang Hotel Zone in the ICBC e-Life App, ICBC's personal comprehensive points are converted into standard points of Jinjiang Hotel at the ratio of 20: 1, and the points are permanently valid and can be used in Jinjiang Hotel App- Platinum Pavilion Mall.

4) Platinum card gives 6 points enjoyment value;

5) High insurance.

3. World Struggle Credit Card

One of the main card types promoted by ICBC is divided into three grades: simple platinum card, gold card and ordinary card.

Free annual fee within the validity period.

"1 1" is the card issuing mode of UnionPay MasterCard.

Many people won the first card of ICBC with their cards!

Core rights and interests:

1) Up to 25% cashback for merchants designated by MasterCard;

2) MasterCard will be upgraded to JD.COM E Card in 90 yuan in stages;

3) Booking accommodation in Booking.com is the highest 10% cashback;

4. Cosmic constellation card

Yan value card. Free annual fee during the validity period of the card!

It is divided into two grades: pure gold and pure gold. 12 constellation high-value exclusive card.

"1 1" card issuing: UnionPay VISA brand 1 1 distribution mode.

Spend 10 times points on your birthday.

5. ICBC Zodiac Platinum Card

12 Zodiac card face. Unionpay single currency, does not affect the newspaper!

Core rights and interests:

Before 65438+February 3, 20201

1) 12306 votes are randomly reduced. Pay on the 12306 platform through the UnionPay payment channel, and have the opportunity to enjoy random reduction. The maximum reduction amount is 20 yuan, and the minimum is 1 yuan. Each card can enjoy a reduction at most once a day. The rights and interests are limited to the maximum monthly allocation of total funds of RMB 80,000.00, on a first-come-first-served basis until they are used up.

2) consumption abroad 1% cashback. The monthly cashback limit for each card is RMB 65,438+0,000, and the cashback fund is RMB 65,438+0 yuan. During the activity, the total fund is RMB 320,000, on a first-come-first-served basis.

3) Courtesy of global airport high-speed rail travel

4) Card binding consumption down payment is free of charge. After the card is activated, the first China UnionPay Express transaction every month (China UnionPay Express transaction refers to: consumer transaction based on UnionPay China UnionPay Express app; Also including Apple Pay, Samsung Pay and Huawei Pay) have the opportunity to enjoy courtesy for free. During the activity, each person can cash back up to three times, and the amount of free bills actually decreases according to the consumption amount, with a maximum of 50 yuan RMB each time. The equity is controlled by the total capital ceiling allocated every month, namely RMB 65,438+033,000 Yuan, until it is used up, on a first-come-first-served basis.

5. China Industrial and Commercial Bank UnionPay Medical Platinum Card

The exclusive card for medical staff that was previously open for application can only be applied by medical staff at present.

Unionpay single currency card will not affect the newspaper, and the card is valid for 10 years.

Apply for life-long annual fee exemption before 65438+February 3, 20201. From 20265438+1 October1,the annual fee for the first year is exempted, and the annual fee for the second year is half price.

Core rights and interests:

1) gives 6 enjoyment values;

2) high insurance;

4) 1 yuan airport parking;

5) 1 yuan airport high-speed rail VIP room;

6) Buy one get one free buffet;

7) Cross-border 1% cashback. You can enjoy consumption abroad 1% cashback through UnionPay's overseas network consumption, with a monthly cashback limit of 1 1,000 RMB per card, and the cashback funds are received at t 1. This equity is controlled by the total capital ceiling allocation, and the total capital ceiling during the activity period is 30,000 yuan, until it is used up, first come, first served.

Features: bank single currency card does not affect the letter and newspaper, and the rights and interests are fair, and the annual fee can be exempted!

6. China Industrial and Commercial Bank unbounded platinum digital card

Cooperate with UnionPay to launch digital cards. Unionpay single currency card does not affect the newspaper!

Consumption of 5 pens/5,000 yuan is exempt from the annual fee of the current year.

The card level is unbounded platinum card, enjoying all the privileges of China UnionPay platinum card level;

Rights and interests:

Recently, many people have successfully won the first card, through which the curve amount has been increased.

7. ICBC Happiness Installment Credit Card

If you want a loan, you can get this. Take this card to the bank to make e-installment interest rate and enjoy preferential treatment.

Core rights and interests:

The exclusive annual installment rate is 3%. Apply for e-installment with ICBC Happiness installment credit card, and enjoy a preferential annual interest rate of 3%. Generally, it can be divided into five years, up to eight years. Go to ICBC's business outlets, do the card in real time as soon as possible, and do E staging on site.

Six, top card

Icbc express centurion black gold card

Recommend this one first. Icbc top card, legend card, all rights and interests!

The annual fee is 36,888 yuan/year, and the amount is basically 1 ten thousand!

Invitation system. No matter how hard you save, you may not be invited! More than 8 million private customers, celebrities and leaders of large enterprises can make an application and try!

To sum up:

There are still many types of ICBC cards and many choices. In recent years, ICBC's credit card business has also evolved rapidly, developing in a good direction, in line with the temperament of the universe! It's just that high-end cards are invited, so it's not easy to apply. However, ICBC is still a good bank and a favorite of many people!

How to win and make good use of the ICBC card, this paper combines the previous summary to let you master the attributes of ICBC and play with the bank!

The most practical advice of ICBC credit card playing cards! Full of knowledge points, an article to solve intractable diseases for many years! 》

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