What is the China Merchants Bank Diamond Card?

The Diamond Card is issued to customers who meet the standards. It is a high-end brand of China Merchants Bank all-in-one card and credit card. Become a diamond VIP customer and receive diamond-level VIP benefits: domestic VIP boarding services; exclusive health and medical services; golf driving range services; diamond customer service hotline; exclusive financial products and professional financial advice.

For the China Merchants Bank Diamond Card, you can apply for an all-in-one card or a credit card. You can choose according to your needs. The all-in-one card is a debit card, that is, a savings card, where you deposit money first and then spend; the credit card is a credit card, which can be overdrafted, and you spend first and then pay back

1. Exclusive benefits of China Merchants Bank Diamond Credit Card:

1. 25,000 points first-time gift. Within 3 months after the main card is issued, you can get a 25,000-point first-time gift for any purchase, and enjoy colorful gifts. Points can be redeemed at "300 Selected Hotels" 4 times a year. "VIP room and night rights include parent-child theme park hotels: Hong Kong Disneyland Hotel, Guangzhou Chimelong Wine, children's economy class air tickets are free of charge, 4 direct domestic routes throughout the year, and children's economy class air tickets are free of charge

Aviation insurance up to RMB 15 million, aviation accident insurance and travel inconvenience insurance of RMB 4,000

2. Children’s dental rights and interests

Free children’s oral fluoride application twice a year, rights up to 4 Each time (50 yuan and 99 points) can be redeemed for a single pit and fissure sealing service;

3. Airport VIP lounges

Unlimited boarding privileges at hundreds of airport VIP lounges throughout the year. You can bring one guest for free at a time

4, point redemption

① You can use 1,600 points to redeem one driving range service fee

② You can use 7 , 000 points can be exchanged for a health examination at a well-known medical institution

③3,000 points can be exchanged for an oral care service

5. Visa expedited service

Free expedited service for British personal visas in Beijing, Shanghai and Guangzhou

Second, what is the difference between Golden Sunflower and Diamond Cards?

1. Judging from the current situation, China Merchants Bank has a wide range of debit cards, which can be divided into regular cards, gold cards, golden sunflower cards, diamond cards, etc. according to levels. The Diamond Card is one level higher than the Golden Sunflower, and you can enjoy more benefits than the Golden Sunflower.

2. Golden Sunflower is actually the first financial platinum card launched by China Merchants Bank in the Asia-Pacific region. It can enjoy VIP boarding at national airports, free 800 hotline services, global consumer cash withdrawals, overseas emergency rescue services, and individual independence. Choice, one-on-one financial advisory and other services. In addition, the Golden Sunflower Card does not require annual fees, but when the account assets do not meet the standards (the average daily assets do not reach 500,000), you need to pay a management fee. Normally, the account management fee for the Golden Sunflower Card is 150 yuan/month/card.

3. The China Merchants Bank Diamond Card can not only apply for an all-in-one card, but also a credit card. Users can apply according to their actual needs. Choose. The all-in-one card is a debit card, which is a savings card. You deposit money first and then spend money; the credit card is a credit card, which allows you to make overdrafts and pay back later.

What are the requirements for the Merchants Diamond Card

The application conditions for China Merchants Bank Diamond Credit Card are as follows (3 terms are required):

1. Be 18 years or older and have full capacity for civil conduct.

2. . The applicant’s assets under his name in the past three months are no less than 500,000 yuan. 3. He has a mortgage of more than 2 million yuan or a house with a monthly payment of 8,000 yuan.

4. Have a CMB car loan of more than 200,000 yuan or a monthly payment of more than 4,000 yuan. 5. The employer will pay wages to the employer, with a monthly salary of no less than 18,000 yuan.

6. The job title is general manager level or above of an enterprise or institution.

Diamond Card is a high-end credit card or UnionPay card jointly launched by bank card organizations and commercial banks. According to the card level and service rights, it is subdivided into four categories: ordinary card, gold card, platinum card and diamond card.

Diamond card is the highest level of credit card. Many banks will launch diamond credit card, but there are definitely very few people who can apply for it. Generally speaking, only customers whose monthly average financial assets exceed RMB 5 million for several consecutive months have the opportunity to apply for a diamond card. After the application is received, the handling fees required for various ordinary credit cards are waived for the Diamond Card.

The maximum limit of a diamond card can reach 5 million yuan. The diamond cards of various banks have a lot of supporting services, including a lot of free insurance, and certain discounts for flying and staying in hotels.

UnionPay card is a bank card jointly launched by China UnionPay and commercial banks and other institutions. It starts with 62 and has the UnionPay logo on the card surface. UnionPay cards only have the UnionPay logo on the card surface and no other card brand logos. They are also often called single-logo UnionPay cards.

Like other UnionPay cards, the UnionPay Diamond Card starts with 62 and has the UnionPay logo on the card face. The target customer group is social elites and/or professional elites. The "Diamond Card" product name in English or in English and in common local text is printed in the card issuer identification area on the front of the card, or the "Diamond" Diamond Card product identification pattern uniformly designed by UnionPay is used on the card surface. Usually black and metallic/pearlescent black are used as the base color of the card surface.

A credit card, also known as a credit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. The form is a card with the name of the card issuer, validity period, number, cardholder name, etc. printed on the front, and a magnetic strip and signature strip printed on the back. Consumers holding credit cards can shop or spend money in specialized business service departments, and then the bank will settle accounts with merchants and cardholders. Cardholders can overdraw within a specified amount.

Credit cards as stipulated in relevant Chinese laws refer to electronic payment cards issued by commercial banks or other financial institutions. It has all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc.

What is the annual fee for China Merchants Bank Diamond Credit Card?

The annual fee charging standards for diamond credit cards are: the annual fee for the main card is 3,600 yuan/year, and the annual fee for the supplementary card is 1,800 yuan/year. Each household is limited to applying for 2 supplementary cards.

The China Merchants Bank Credit Card Center adopts nationwide centralized operations and is the first credit card center in China that operates independently in full compliance with international standards, truly realizing integrated and professional credit card services. While refreshing credit card records one by one, China Merchants Bank Credit Card adheres to the service concept and innovative spirit of "changing because of you", actively explores the market, expands market alliances, and deepens market segmentation. The functions and services of credit cards are increasingly enriched and improved. It is China's One of the most innovative joint-stock commercial banks.

Since the launch of the credit card business at the end of 2002, it was the first to launch the "swipe the card to buy air tickets and get free flight insurance worth millions", the first to launch the "overseas consumption, repayment in RMB" business, and led the industry in launching interest-free credit card services. Installment payment business, and was the first in the industry to launch innovative functional measures such as "SMS transaction reminder" and "Lost Card Protection".

In addition, the country’s first permanent points validity system and international 24-hour roadside assistance service have gradually become the service standards of the domestic credit card industry. In terms of product and service innovation, China Merchants Bank Credit Card has created more than a hundred new products and services, adheres to the promotion of cross-industry cooperation model, and has successively cooperated with leading enterprises in different life fields such as department stores, tourism and sports consumption industries to provide cardholders with Provide products and functional services in a dual sense.

What are the conditions for applying for China Merchants Bank Diamond Credit Card?

The most valuable selling point for high-end credit cards like Diamond Credit is value-added services. Looking at the value-added functions of high-end credit cards, most of them focus on exclusive services for business travel, such as airport VIP rooms, aviation insurance, hotel services, free golf, roadside assistance, medical services, etc. So what are the conditions for applying for a China Merchants Bank Diamond Credit Card?

1. VIP customers of China Merchants Bank, with average daily assets of more than 500,000 within 3 months.

2. Have a mortgage loan of more than 2 million yuan or a monthly payment of 8,000 yuan from China Merchants Bank; a car loan of more than 200,000 yuan or a monthly payment of more than 4,000 yuan.

3. China Merchants Bank distributes wages on behalf of employees. The average monthly salary in the past three months is more than 18,000.

4. General manager level or above of enterprises and institutions. Different industries have different job requirements.

5. Employees of China Merchants Bank, department manager level or above at the head office of China Merchants Bank, assistant to branch president or above.

The above is an introduction to the application conditions for China Merchants Bank Diamond Credit Card. I hope it can give you some reference.

Can the annual fee of CMB Diamond Card be waived?

The annual fee of CMB Diamond Card cannot be waived. Once a CMB Diamond Credit Card is issued, the annual fee must be paid according to the rules regardless of whether it is activated or not. The annual fee collection standard is: the annual fee for the main card is 3,600 yuan/year, and the annual fee for the supplementary card is 1,800 yuan/year. Each household is limited to applying for 2 supplementary cards.

The main benefits of China Merchants Bank Diamond Credit Card are:

1. 4 free children’s air tickets. Cardholders can enjoy 4 free children’s economy class air tickets on any direct route within the country. Including but not limited to China Eastern Airlines, China Southern Airlines, Hainan Airlines, China Airlines and many other airlines. Enjoy with main and additional cards.

2. The Diamond Card allows you to enjoy the privileges of airport VIP lounges for free at more than 100 airports for unlimited times throughout the year, and you can bring one person with you for free at a time. For family travel, if you have a main owner With the card in hand, the whole family can easily achieve comfortable standby.

3. Each Diamond Card household has the right to stay at VIP rates for 4 additional times in overseas hotels 4 times a year at home and abroad. The minimum price can be as low as "300 yuan, 100 points", of which 100 points is a fixed amount and 300 cash is a variable. The prices vary. The issue of cost-effectiveness needs to be studied according to the specific hotel.

4. The Diamond Card provides two free oral fluoride treatments for children aged 3 to 6 years old. Four free dental filling services for 50 yuan and 99 points are also only available for children of school age. If children and teenagers want orthodontics, they can go to Ruier stores and enjoy 15% off the regular price and 10% off the regular price at Ruitai stores.

Introduction to China Merchants Bank:

China Merchants Bank was established in Shekou, Shenzhen in 1987. It is the first joint-stock commercial bank in China that is completely owned by corporate legal persons and is also the national The first pilot bank to promote banking industry reform from outside the system. The head office of China Merchants Bank is located in Futian District, Shenzhen City. On April 9, 2002, China Merchants Bank A shares were listed on the Shanghai Stock Exchange. China Merchants Bank's development goal is to become China's leading retail bank.

That’s it for the introduction of China Merchants Bank Diamond Credit Card.