Which card is more cost-effective for refueling in 2021? These are worth recommending - Stock City Financial Management

Now that major banks have launched refueling credit cards for car owners, so which card is more cost-effective for refueling in 2021? What’s a good deal? It is understood that the most popular fuel cards currently include Minsheng Cheche Credit Card and CCB Longka Auto Card. What rights can you enjoy with these credit cards? Let’s take a closer look below.

Gas Card

1. Minsheng Car Credit Card

This credit card is divided into several levels. There are currently Gold Card, Standard Platinum Card and Deluxe Platinum Card. Car owners with different financial strength can find one that suits them.

The advantage of the Minsheng Auto Card is that cardholders can enjoy gas refunds, and the refund rate depends on the level of the card. The gold card has a monthly yield of 5%, with an upper limit of RMB 50; the standard platinum card has a monthly yield of 8%, with an upper limit of RMB 100; the deluxe platinum card has a monthly yield of 15%, with a upper limit of RMB 200; each diamond card can provide 100% monthly return, with a maximum 500 yuan.

After you get the gas money, you can exchange it for a Sinopec electronic gas card at a 1:1 equivalent price, which is more cost-effective.

2. GF China Life Co-branded Car Owners Card

This is GF’s new credit card for car owners. It’s also more cost-effective to refuel with it. As long as you spend more than 3,000 yuan in points in the month, you can enjoy cash rebates by swiping your card at gas merchants. The cash back ratio varies depending on the card level.

Among them, the standard card has a cash back rate of 3%, with a monthly cap of 30 yuan; the gold card has a 5% cash back rate, with a monthly cap of 50 yuan; the premium white card has a 12% cash back rate, with a monthly cap of 50 yuan. 120 yuan; the value-added cashback rate is 15%, and the monthly upper limit is 150 yuan. The cashback benefits for new accounts are superimposed, with a maximum cashback ratio of 21% and a maximum cashback amount of 2,000 yuan per year.

3. CCB Long Card Car Card

The most cost-effective thing about this credit card is that you can use points spent at POS machines to redeem gas fees. As long as your points are 50,000 points, you can redeem them in multiples of 10,000 points.

The exchange rate for the portion below 50,000 is 0.2%, that is, every 25,000 points are exchanged for 100 yuan of gas; the portion exceeding 50,000 will be exchanged at a rate of 0.4%. Up to 1 million points can be redeemed each year for 4,000 yuan of air exchange, which can save 4,000 yuan a year.

Which bank credit cards offer discounts on fuel?

Credit cards with discounts on fuel include: Minsheng Bank Car Owner Card Gold Card and Platinum Card with cash rebates on fuel; GF Tuhu Car Ownership Co-branded Card with monthly fuel rebates ; ICBC Auto Plus Card gets cash back when refueling at China Petroleum gas stations every Sunday; Great Wall Global Auto Credit Card gets cash back when refueling; Ping An Car Owner Card gets 12% off on refueling, etc.

CreditCard is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit.

The form of a credit card is a card with the name of the card-issuing bank, validity period, number, cardholder name, etc. printed on the front. Consumers holding credit cards can go to a special commercial service department for shopping or consumption, and then The bank makes settlements with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

The functions of credit cards:

1. It facilitates people’s lives and saves them the trouble of carrying cash. There are no geographical restrictions on the use of credit cards. No matter when you swipe the card anywhere in the country, As long as there is a UnionPay logo, you can swipe it, and there is no handling fee;

2. You can participate in various preferential and discount activities cooperated by merchants and banks;

3. Earn money from swiping card purchases Points can be redeemed for gifts;

4. Timely repayment after swiping the card will improve personal bank credibility.

Uses of credit cards:

1. Shopping.

2. Microcredit.

3. Save money.

4. Save money when shopping.

5. Credit card value-added services, get cheap insurance and travel.

6. Credit certificate.

Credit card cash withdrawal methods are:

1. Cash withdrawal at the counter:

Card holders can bring their credit card to any bank counter and submit a cash withdrawal application to the staff. , and then enter the withdrawal password with its help to withdraw cash.

2. Bind the card to withdraw cash:

The cardholder can bind the credit card to a peer savings card in credit card online banking, and then transfer the credit limit to the savings card. Then use the debit card to spend, this behavior is also called cash withdrawal.

3. Withdraw cash from an ATM teller machine:

Insert your credit card into the ATM teller machine, enter the payment password of the credit card, select cash withdrawal, then enter the cash withdrawal amount, and finally confirm.

The methods of credit card repayment are:

1. Repayment through ATM machine. Cardholders can go to the bank's ATM machine, insert the card for deposit, and deposit the money into the credit card to repay the money.

2. Mobile banking repayment. All major banks have mobile banking software. Once installed on your mobile phone, you can repay credit cards.

3. Alipay repayment. Alipay has a credit card repayment function. Click "Credit Card Repayment" on the homepage to repay after binding the credit card.

4. WeChat repayment. There is a credit card repayment function on WeChat. Click "Me" - "Pay" to see the "Credit Card Repayment" function.

5. Repayment at bank counter. Cardholders can go to bank branches with their credit cards, ID cards and cash and handle credit card repayment over the counter.

Which bank’s gas card is the most cost-effective

1. ICBC Peony CNPC Credit Card: It is a co-branded card jointly launched by ICBC and PetroChina. You can enjoy a 3% discount when you swipe the card to refuel. , 24-hour national road car rescue special service.

2. Guangfa Car Owners Credit Card: Free roadside assistance service for 100 kilometers nationwide, 5 times points or 1% cash back discount when swiping the card for refueling, optional high-value insurance protection, and many other functions and discounts.

3. Xingye Rider Card: MasterCard RMB/USD dual-currency credit card, divided into two types: distinguished card and elite card. You can enjoy up to 5 times points by swiping the card, and can redeem fuel quickly, up to 0.2 yuan/liter. Fuel subsidy, points can be used to offset fuel costs.

Bank cards refer to credit payment instruments issued to the public by approved commercial banks (including postal financial institutions) with all or part of the functions of consumer credit, transfer settlement, cash deposits and withdrawals, etc. Bank cards reduce the circulation of cash and checks, allowing banking business to break through the limitations of time and space and undergo fundamental changes. The application of the automatic bank card settlement system has made the dream of a "checkless, cashless society" a reality.

The 20-year development history of China's bank card industry can be roughly divided into four stages:

The period from 1985 to the early 1990s is the initial stage.

From the early 1990s to the beginning of 1996, it was the stage when branches of various banks in large and medium-sized cities independently developed their bank card business. At this stage, the gold card project was launched.

From 1997 to the end of 2001, it was the stage when China’s bank cards gradually became universal on the Internet.

From 2001 to the present, China’s bank card network is in the in-depth development stage, and the number of bank cards issued by banking institutions across the country has increased rapidly.

The full-time vice president of the China Banking Association said that as of the end of the first quarter of 2010, the number of cards issued in China reached 2.169 billion, a year-on-year increase of 14.9%. The usage rate of bank cards has gradually increased, and card consumption accounts for 30% of social consumption.

As of the end of 2011, the cumulative number of bank cards issued exceeded 2.85 billion, a year-on-year increase of 18%. Card consumption exceeded 16 trillion yuan, a year-on-year increase of more than 50%, accounting for more than 40% of total retail sales of consumer goods, an increase of about 6 percentage points from 2010. In 2011, there were more than 35,000 new convenient payment outlets across the country, 147,000 new direct-connection acceptance merchants and 210,000 POS machines in secondary cities and towns, bringing the total to 1.08 million and 1.516 million units respectively.

2.2 trillion yuan and 860 million bank card inter-bank transactions were realized throughout the year, accounting for 47.4% and 52% of the national bank card inter-bank transactions respectively. The contribution of transaction amount increased by 2.4 percentage points compared with the beginning of the year.

China UnionPay has joined forces with commercial banks to launch the Funong Card, which has been issued by 28 institutions in 28 provinces across the country, with more than 5 million cards issued throughout the year, becoming a new platform to serve "agriculture, rural areas and farmers".

Which credit card offers the best gas discounts

Each bank has different gas discounts. The following is a reference. .

1. Minsheng Bank Cheche Credit Card will get 5% of the refueling rebate if you spend over 1,500 yuan per month, with a maximum limit of 50 yuan;

If you spend more than 2,500 yuan per month, you will get 8% of the refueling rebate. The upper limit is 100 yuan; when you spend 3,000 yuan or more, you get 15% of the gas money back, with the upper limit of 200 yuan; when you spend 6,500 yuan or more, you get 100% of the gas money back, with the upper limit of 500 yuan.

2. Ping An Bank Car Owner Credit Card All Ping An Car Owner Cards can participate in the 12% discount on refueling every day. There are more than 8,000 gas stations (Sinopec, PetroChina) in 48 cities across the country, and you can get up to 80 yuan in refueling rewards every month. gold.

3. When you swipe your CarCard car credit card at designated gas stations to refuel, you will get 3% rebate on weekdays and 5% rebate on Friday.

4 If you purchase a designated insurance product from our bank with the Industrial Bank Rider Credit Card and successfully deduct the insurance premium through the Industrial Bank Rider Credit Card, the amount is RMB 2,000 or more, you can enjoy a postage subsidy of RMB 0.2 per liter.

5. The Bank of China Great Wall Global Tongda Auto Credit Card has points transactions (excluding gas) of 1,000 yuan or more every month, and you can use the card to refuel at any gas station on Friday, Saturday, and Sunday of the month. If you accumulate over 1,000 yuan, you can get 50 yuan cash back.

9. The consumption points of China Construction Bank UnionPay Long Card Auto Card are doubled for oil change, and the points are redeemed as an integer of 10,000 points, 4% for more than 50,000 points; 2% for less than 50,000 points.

Extended information: Major credit card offers

1. Shopping

China Everbright Bank: From now until November 30, 2019, every Monday, Tuesday and Wednesday , starting from 11:00 on each event day, users shopping at Lawson stores in Shanghai can enjoy an instant discount of 10% off for purchases over 20 yuan through the UnionPay QuickPass APP/Sunshine Hui Life APP and binding the Everbright Bank credit card starting with 62 to scan the QR code to pay. yuan discount. Each person is limited to 1 time per day, 4 times per month, ++1000 per event day, limited quota, first come first served.

China Merchants Bank: From August 15 to September 30, 2019, users can bind a China Merchants Bank debit card and use the China Merchants Bank Mobile Banking App to scan the QR code and pay over 5 yuan to get an instant discount of 3 yuan.

Shanghai Pudong Development Bank: From now until 10:00 on December 27, 2019, users can use Shanghai Pudong Development Bank’s debit card starting with 62 to pay via UnionPay QR code on UnionPay APP or Shanghai Pudong Development Bank APP. Instant FamilyMart offers 50% off on purchases at offline stores across the country every Monday and Tuesday, with a maximum discount of 10 yuan (limited to 1 per person per month, with a limit of 2,500 items per event day).

2. Food

Bank of Communications: From now until September 30, 2019, Bank of Communications credit card users can enjoy 5 major benefits when logging into the Payout Bar APP: 14 days of hunger for free Ele.me Super Member/Get a 10-yuan Ele.me red envelope/Get 100% points for cash on takeout orders/New customers can enjoy “1-year Ele.me super membership + 50% off for 3 takeaways”/A 15-yuan takeout red envelope can be redeemed if the standard is met .

China Merchants Bank: From now until September 17, 2019, users who have linked their cards to Mobile Life can grab Starbucks latte/Starbucks 3 yuan coupons, and have a chance to get Luckin Coffee drinks of 24 yuan/100 yuan Repayment Gold/KFC Ice Cream Cone.

ICBC: Every Monday from July 1 to September 23, 2019, ICBC credit card users can enjoy a single payment at any Starbucks store across the country by using WeChat payment and binding the ICBC card. Get an instant discount of RMB 15 when you spend over RMB 60, and each person can only enjoy the discount once per event day.

Industrial Bank: From September 2 to December 31, 2019, starting from 10:00 a.m. every Monday to Thursday, users can bind Alipay and use Industrial Bank credit cards to pay for Ele.me orders (Orders with Ele.me PC version, password-free payment, payment by others and balance payment functions turned off are not allowed to participate), you can enjoy an instant discount of 5 yuan when you spend 10 yuan, ++15,000 per event day, limited to each person per month 2 times (can be enjoyed on the same day).

Everbright Bank: Before December 31, 2019, users can download and register the Sunshine Hui Life APP, and use the Everbright Bank credit card to pay in the "Excellent Food" section to purchase a 30-yuan real kung fu entitlement for 10 yuan. , each person is limited to purchasing three rights per week. Voucher validity period

Which bank’s credit card offers the best refueling discount

Relatively speaking, credit cards from commercial banks are easier to handle than credit cards from the four major domestic state-owned banks.

Each bank's credit card has its own characteristics and card application procedures. Credit cards from China Merchants Bank, Bank of Communications, CITIC Bank, China Guangfa Bank and other banks are easier to apply for than the four major banks.

According to Article 7 of the "Regulations on the Supervision and Administration of Credit Card Business of Commercial Banks": A credit card refers to a credit card that records cardholder account information, has bank credit lines and overdraft functions, and provides cardholders with relevant banking services. All types of media.

1. China Merchants Bank Credit Card

The best credit card to apply for from China Merchants Bank is the YOUNG card, a credit card product tailor-made for young people. White-collar workers who have just graduated can apply, and college students over 18 years old with a formal internship contract can also apply.

Everyone who has used CMB’s credit card knows that CMB’s service is very good, the best among all banks. Although CMB cannot apply for a card with a card, the efficiency of card placement and limit increase is still the same. Quite high. Moreover, China Merchants Bank supports the WeChat limit increase test. Once the test is passed, the limit can be increased quickly. It is simple and fast. It is so powerful.

2. Bank of Communications Credit Card

What is often recommended is Bank of Communications’ Y-power card, which offers up to 100% of the cash withdrawal limit. There is no annual fee for the first year of application, and it can be waived by swiping the card 6 times. The annual fee for the following year is very impressive.

The usual activities are also super awesome, such as the must-have activities every year: Reddest Friday, Super Reddest Friday, and Weekly Brushes. In addition, Bank of Communications supports card application. Although the risk control is relatively strict, the difficulty of applying for a card is not as difficult as everyone said.

3. Ping An Bank Credit Card

Ping An Bank has also expanded rapidly recently and supports insurance policies. The preferential activities of Ping An Bank's credit cards are not outstanding compared to those of China Merchants Bank and Shanghai Pudong Development Bank. However, Ping An Bank’s car owner card is very useful for car owners because it offers many discounts on refueling.

4. CITIC Bank Credit Card

It is recommended to apply online, which is very efficient. Generally, you will receive an acceptance message from the bank within 24 hours. Verifying the information is very simple, as long as you provide a copy of your ID card. But as for raising the quota, it’s very difficult.

CITIC's credit cards have some pretty impressive activities from time to time. In recent years, the "9 Points Redemption" activity has obviously gained a good reputation, but it has been criticized by everyone because of the adjustment of its strategy. However, I still recommend its i Platinum Card and JD Baitiao Card.

5. Guangfa Bank Credit Card

Guangfa is known as the Iron Rooster, mainly because it is difficult to increase the limit, but there are still many discounts. The best credit card to apply for from China Guangfa Bank is undoubtedly the Guangfa True Love Credit Card. As long as you are a female customer and can provide proof of stable income and personal information, there is no obstacle to applying for this card.

6. Everbright Bank Credit Card

It is relatively easy to apply for the card, and the credit limit is high. You can apply for a credit limit adjustment in half a year, and the limit is usually doubled at a time. The best thing is that there are many points activities, multiple points are often given out, and online transactions also count as points.

In fact, nowadays, as long as your credit qualifications are good enough, you can apply for a credit card at any bank, pay back in time, and use the card rationally, and your credit limit will increase slowly.

That’s it for the introduction of which credit card saves the most money on gas.