Old friends who play card games all know that in the field of credit cards, the name "Three White Diaosi" is widely circulated. Today, the application thresholds for Pudong Development AE White and Classic White among the "Three Whites for Diaosi" have been raised. Especially for Pudong AE White, the threshold has been raised sharply after the "warm upgrade". It is really far from "Diaosi" .

Playing cards can be divided into two major streams, one is the quota stream, and the other is the rights stream (including various VIP rights and points rights). It seems that there are not many people who are purely from a certain school, and most of them are a combination of both. But no matter what genre, they all pursue platinum cards, because only platinum cards can have a high credit limit and good additional benefits.

For newcomers to the card game, we introduce several entry-level platinum cards.

1. Bank of Communications Premium Platinum Card

This is a new platinum card launched by Bank of Communications in 2018. Once launched, it quickly became popular among customers. Because it is positioned as "young people's first credit card", the application threshold is relatively low. The number of cards issued exceeded 2 million within 8 months of its launch, which shows how popular this card is.

The Bank of Communications Premium Platinum Credit Card is issued using the "UnionPay MasterCard" card package model, that is, UnionPay cards focus on domestic consumption, and MasterCard focuses on overseas consumption. There is no annual fee for the UnionPay card in the first year, and there is no annual fee for the following year if you swipe it 6 times. The MasterCard version has no annual fee for life, so the cost of holding the card is almost zero.

Main benefits: Overseas airport VIP lounge services are provided by Longteng Travel, and you can use them for free for 3 points per year.

Points acquisition and use:

Spending 1 yuan = 1 point, online payment supports Alipay and WeChat to accumulate points;

Purchase in designated catering and entertainment categories on your birthday Merchants can enjoy 5 times the points for consumption, with a maximum of 100,000 points for the day;

2 times the points for USD consumption, 3 times the points for overseas consumption;

Overseas Super Red Day has the highest overseas offline consumption You can earn 20 times the points on the same day, with a maximum of 100,000 points, and a maximum of 500,000 points for designated destinations;

BoCom points can be exchanged for Air China, China Eastern Airlines, China Southern Airlines, Hainan Airlines and Asia Miles miles at a ratio of 18:1, 500 kilometers/ The mileage redemption requirement is a minimum of 9,000 points.

Bank of Communications also offers many promotions, the most famous of which are the Redtest Friday and the annual large-scale credit card swiping events every week. Among them, the most popular Friday activities include Starbucks’ 30 credit card credit for purchases over 60, FamilyMart’s 15 credit card credit for purchases over 30, dining coupons, gas amps, and supermarket discounts of $5.

In addition, Youyi Platinum Card also has Kindle version, Magic City version, etc. Among them, the Magic City Edition Youyi Platinum Card can enjoy 1 cent for taking the subway (in the first year for new households) or 50% off for long-term subway rides (only in Shanghai).

If you make 8 designated purchases in the month, you will get the 5-point bonus once; if you make 15 designated purchases in the month, you will get the 5-point benefit twice. You can use 5 points to exchange for 15 yuan of Alipay/WeChat card credit; or 2 times the points this month, with a maximum limit of 20,000 points, which will be credited before the end of the next month.

2. Guangfa Bank Zhenshang Platinum Card

The Guangfa Zhenshang Platinum Card is affectionately called "High-speed Rail White" by veteran drivers because this card is mainly for VIPs at high-speed rail stations. Lounge access.

The Zhenshang Platinum Card is a basic platinum card in the Guangfa Credit Card System. The annual fee is 480 yuan/year. If you make 3 transactions of 188 yuan each within 90 days after the card is approved, the first-year annual fee will be waived. Swipe the card 12 times on a rolling basis to waive the annual fee for the following year.

The main benefit is the high-speed rail VIP room rights. Zhenshangbai's high-speed rail VIP rooms can be divided into two categories, one is the VIP lounge named by GF (now in cooperation with Yuetu Travel), and the other is the VIP room provided by Longteng.

Currently, the high-speed rail stations covered by GF-branded high-speed rail VIP rooms are: Shanghai Hongqiao Station, Guangzhou South Station, Shenyang North Station, Dalian North Station, Ningbo Station, Shenzhen North Station, Changsha South Station, Hangzhou East Railway Station, Beijing South Railway Station, Wuhan Railway Station, Harbin West Railway Station, Zhengzhou Railway Station, Chengdu East Railway Station, Nanjing South Railway Station, Tianjin Railway Station, Suzhou Railway Station, Fuzhou Railway Station, Wuxi East Railway Station, Jinan West Railway Station, Chongqing North Railway Station, Xi'an North Railway Station and Kunming South Railway Station. The picture below shows the VIP rooms at high-speed rail stations named by GF (Zhengzhou East Station on the left, Wuhan Station on the right).

There are also some high-speed rail stations that currently do not have lounges named by GF. However, according to the actual situation of the high-speed rail station, you can use the Longteng Card presented by GF to enter the high-speed rail lounges provided by Longteng Travel. For example, at Nanchang West Station, there is a VIP room provided by Youlongteng Express. The Longteng Card issued by Zhenshangbai gives you 2 free Longteng points every year, and you can use the high-speed rail VIP room for free four times.

Points acquisition and use: 1 yuan spent by credit card = 1 point, points are earned when paying online (WeChat, Alipay, JD.com, UnionPay); double points for purchases in the birthday month; 3 times points for business travel or overseas purchases.

GF Zhenshang White can be redeemed for Air China, China Eastern Airlines, China Southern Airlines, and Asia Miles miles at a ratio of 25:1. The minimum redemption is 500 kilometers/mile, which means a minimum of 12,500 points is required, and the upper limit is 30,000 miles/year.

3. Industrial Bank Aviation Platinum Card Elite Edition

Industrial Bank’s credit card may be the most well-known for its Platinum Card series with a rigid annual fee of 900 yuan. It's called "Xingyoubai" for short. However, due to the rigid annual fee of 900 yuan/year, as a first-time player, you may be discouraged. But today, the protagonist is not him, but her - Industrial Airlines co-branded card Platinum Card Elite Edition.

For Industrial Bank’s Platinum Card (Elite Edition), if you spend 2,000 yuan within 60 days after being approved for the card, you will be exempted from the first-year annual fee of 500 yuan, and if you spend 30,000 yuan in points-based transaction volume, you will be exempted from the annual fee for the next year. Therefore, the holding cost is almost zero.

The accumulated points accumulated by swiping the card will be automatically converted into corresponding airline miles according to the proportion. Taking the China Southern Airlines co-branded platinum card elite version as an example, the points will be automatically converted into the China Southern Airlines account at the ratio of 12 points = 1 China Southern Airlines mile in that month. If you choose the elite version of the China Eastern Airlines co-branded platinum card, the points will be automatically converted into your China Eastern Airlines account at the ratio of 10 points = 1 China Eastern Airlines mileage.

According to the current policy, the annual accumulation limit is 600,000 points, that is, 50,000 China Southern Airlines miles/60,000 China Eastern Airlines cap.

Card benefits: The Platinum Card Elite Edition also provides airport VIP services twice a year, which can only be used by the person. Platinum Card Elite Edition can automatically become a Supreme Gold Card member and enjoy the discount of free daily rent for any car model, which can only be enjoyed once a year; after the car rental is successfully settled, you can receive a 100 yuan electronic coupon (limited to one for the year).

Warm reminder: The Industrial Bank aviation co-branded card does not count points for purchases at jewelry merchants (5094) and home appliance merchants (5722), that is, mileage cannot be accumulated. Therefore, when buying jewelry for your wife or purchasing electrical appliances for your home, please do not use the Industrial Airline co-branded card!

Although the benefits of these three platinum cards are slightly worse than the previously recommended platinum cards, the advantages are that the application threshold is lower and the holding cost is almost zero. This is also the original intention of writing this short article. It is mainly for friends who are new to the card game to introduce some platinum cards that have certain practical rights and can be held at low threshold and zero cost. Starting from your own needs, apply for a credit card that suits you, and make good use of the additional benefits to slightly improve your quality of life. This is also the original intention of playing cards, isn't it?