Which ICBC credit card is better

Many friends have asked which bank’s credit card is easier to apply for. I’m afraid I have to answer you, you have to choose from among the commercial banks, among the four major state-owned banks. The difficulty will be relatively greater. But if you insist on falling in love with the four major state-owned banks, it is recommended that you choose a credit card among them that is easier to apply for, so that the probability of applying for the card will be greater. Let’s take a look at the specific ones.

1. Industrial and Commercial Bank of China: Universe Constellation Credit Card

ICBC’s Universe Constellation Card is relatively easy to apply for, and it is also the main credit card promoted by Industrial and Commercial Bank of China. The appearance and benefits are both online. The key point is that the annual fee is waived during the validity period, which is awesome!

In terms of benefits, as long as new customers make a single purchase, they can receive a one-month VIP membership on Youku or iQiyi, giving them the benefits of being a drama-watching expert. In addition, there are discounts on overseas portable wifi, hotels, and airport parking.

2. Bank of China: Taobao Credit Card

The threshold of Bank of China is actually not too difficult, and the threshold is not very high. You can apply by providing proof of identity and residence. If you are an expert in online shopping, it is easy to apply for this BOC Taobao Card. The annual fee for the first year is waived when you purchase the card, and the annual fee for the following year is waived when you spend 5 times of any amount.

3. Agricultural Bank of China: Beautiful Upgraded Mom Credit Card

This Agricultural Bank of China’s Beautiful Upgraded Mom Credit Card is also easier to apply for. Both gold and platinum cards can waive annual fees based on the number of card swipes. The visa platinum card is also free of annual fees during its validity period.

You can apply for a free trial course of Disney English. There is a 1,200 discount for purchasing the course, an instant discount of 60 for purchases over 350 at Kidswant, and random instant discounts for purchases over 300 at Donkey Mama on Saturdays.

4. China Construction Bank: The most popular card in the world

This card from China Construction Bank is also relatively easy to apply for, and it is mainly more suitable for overseas travel, shopping, etc. Gold and Platinum cards are free of annual fees based on the number of card swipes. Visa and MasterCard cards are free of annual fees during their validity period.

Overseas wifi, discounted air tickets and hotels, cash rebates for overseas purchases, etc. are very suitable for overseas consumption or overseas shopping. It is called CCB’s “magic card”.

This is the introduction to the easy-to-apply credit cards from the four major banks. I hope it will be helpful to you. It is recommended that everyone prepare sufficient information before applying for a card, as well as proof of assets, etc. It can be of great help!

The best platinum card of ICBC in 2022

The best platinum card of ICBC in 2022 is the ICBC Golden Eagle Platinum Card. This is a card that integrates shopping malls, bookstores, and lifestyle centers. A multi-functional membership card that is common to all businesses, the Platinum Card can reduce the annual fee of the main and additional cards if you spend a total of RMB 200,000 in the card year. 1. Golden Eagle’s exclusive rights and interests: 1) Late check-out and designated room upgrade rights at its hotels; 2) Member rights for its bookstores; 3) 12% off for its business purchases. 2. Financial rights: 1) Apply for domestic airport and high-speed rail VIP room services; 2) 1 yuan parking at the airport. 3. Regional special rights and interests: 1) Nanjing Niushou Mountain ticket discount, free for the first time, 50% off later; 2) Exclusive rights and interests of Caesar Travel East China store, half-price one-on-one service for customized routes, 10% off regular price, overseas air ticket service, etc.

Which ICBC platinum credit card is better? Comparison of Platinum Credit Cards

As of now, there are six types of ICBC Platinum Credit Cards, namely ICBC Credit Cards. Platinum card categories include Peony Platinum Credit Card (UnionPay standard) and Premium Platinum Credit Card (UnionPay brand). , Peony Platinum Credit Card (Visa brand), Peony Platinum Credit Card (MasterCard brand), Peony Platinum Credit Card (American Express brand), ICBC Express Centurion Platinum Card. Which of these six platinum credit cards is the best? How should I choose?

1. ICBC Platinum Credit Card Annual Fee Discount Service

1. Peony Platinum Credit Card (UnionPay Standard)

If you are within the year of using the card, your local and foreign currency accounts will be If the accumulated card consumption reaches RMB 200,000 or the equivalent in foreign currency (excluding online consumption, house purchase, car purchase, wholesale, charity and other consumption at merchants deemed by ICBC as not being able to accumulate points), our bank will take the initiative to reduce or reduce the annual fee of the primary and secondary cards for you. .

If during the year of using the card, the cumulative amount of card consumption in your local and foreign currency account does not reach 200,000 yuan or the equivalent in foreign currency (excluding online consumption, house purchase, car purchase, wholesale, charity and other items deemed unacceptable by ICBC) Spending at merchants that accumulate points), you can redeem annual fees through credit card points.

A platinum card with accumulated credit card points that reaches 140,000 points can be exchanged for a one-year annual fee for the main card; a platinum card with a accumulated credit card points that has accumulated 70,000 points can be exchanged for a one-year annual fee with the supplementary platinum card. The points can be redeemed for multi-year annual fees at one time.

For platinum card customers, the cumulative consumption is 4 million yuan or the equivalent in foreign currency (excluding online consumption, house purchase, car purchase, wholesale, charity and other consumption from merchants recognized by ICBC as not being able to accumulate points) and accumulated credit card points. If the amount reaches 4 million, the annual fee for the primary and secondary cards will be waived permanently.

2. Peony Platinum Credit Card (Visa brand), Premier Platinum Credit Card (UnionPay brand), Peony Platinum Credit Card (MasterCard brand) services, Peony Platinum Credit Card (MasterCard brand) services

If during the year of using the card, the cumulative amount of card consumption in your local and foreign currency account reaches 200,000 yuan or the equivalent in foreign currency (excluding online consumption, house purchase, car purchase, wholesale, charity and other consumption at merchants deemed by ICBC as not being able to accumulate points) ), our bank will take the initiative to reduce or reduce the annual fee for your primary and secondary cards for this year.

If during the year of using the card, the cumulative amount of card consumption in your local and foreign currency account does not reach 200,000 yuan or the equivalent in foreign currency (excluding online consumption, house purchase, car purchase, wholesale, charity and other items deemed unacceptable by ICBC) Spending at merchants that accumulate points), you can redeem annual fees through credit card points. A platinum card with a cumulative credit card score of 160,000 points can be redeemed for a one-year annual fee for the main card; a platinum card with a cumulative credit card score of 80,000 points can be redeemed for a one-year annual fee for the supplementary platinum card. The points can be redeemed for multi-year annual fees at one time.

For platinum card customers, the cumulative consumption is 4 million yuan or the equivalent in foreign currency (excluding online consumption, house purchase, car purchase, wholesale, charity and other consumption from merchants recognized by ICBC as not being able to accumulate points) and accumulated credit card points. If the amount reaches 4 million, the annual fee for the primary and secondary cards will be waived permanently.

Two and six types of ICBC Platinum Credit Card fee discounts

Peony Platinum Credit Card (UnionPay standard), Premier Platinum Credit Card (UnionPay brand), Peony Platinum Credit Card (Visa brand), Peony Platinum Credit Card (American Express brand) The three types of Platinum Card service fee discounts are reflected in the exemption of six categories of service fees. As a platinum card customer, you will enjoy the following fee reduction privileges: handling fees for domestic withdrawals and transfers to other places, handling fees for deposits and transfers to other places with domestic cards held by domestic cards to your own credit card, handling fees for order adjustment, replacement bill fees, handling fees for letter express delivery, Loss report handling fee.

The Peony Platinum Credit Card (Mastercard brand) waives eight categories of service fees. As a platinum card customer, you will enjoy the following fee reduction privileges: handling fees for domestic withdrawals and transfers to other places, handling fees for deposits and transfers to other places with domestic cards held by domestic cards to your own credit card, handling fees for order adjustment, replacement bill fees, handling fees for letter express delivery, The handling fee for reporting loss, the handling fee for reporting loss of PP card and the handling fee for reissuing a new PP card.

Which bank platinum (gold card) credit cards are worth recommending?

The Peony Platinum Card of Industrial and Commercial Bank of China is better.

ICBC Peony Platinum Card is a credit card issued by Industrial and Commercial Bank of China.

ICBC Peony Platinum Card has two accounts, RMB and USD. The card level is Platinum and is issued by UnionPay, American Express, MasterCard and VISA credit card organizations. Enjoy ICBC airport VIP lounge services.

Financial Derivatives

ICBC regards the development of capital business as a strategic focus to promote operational transformation and cultivate future market competitiveness, and continuously improves the ability to operate domestic and foreign currency funds in various domestic and overseas financial markets. Ability and level.

In 2007, the cumulative amount of RMB inflows and outflows from domestic institutions reached 6,096.7 billion yuan, an increase of 27.6%, of which 4,113.3 billion yuan was lent out and 1,983.4 billion yuan was borrowed. The annual foreign currency money market transaction volume was US$868.2 billion, an increase of 43.5%.

How about ICBC Platinum Credit Card? What types are there?

The Peony Platinum Credit Card (UnionPay standard) is the first domestic standard-compliant chip platinum card jointly issued by ICBC and China UnionPay. It uses a standard chip, which greatly improves product security.

The Premium Platinum Credit Card (UnionPay brand) is the first domestic UnionPay brand Premium Platinum Credit Card product jointly issued by ICBC and China UnionPay, providing cardholders with a higher level of service and more comprehensive service content. Value-added services allow you to enjoy supreme treatment and live a supreme life.

The Peony Platinum Credit Card (Visa brand) is the first dual-currency platinum credit card in mainland China that meets EMV standards in cooperation with ICBC and VISA International. The use of EMV standard chips has greatly improved the product’s Security.

Peony Platinum Credit Card (MasterCard brand) is a high-end credit card issued by ICBC for high-quality customers. It spreads elite culture, highlights the connotation of high-quality products, provides exquisite services, and enjoys a wonderful life exclusively, allowing you to get real benefits through using the card. Platinum experience.

The Peony Platinum Credit Card (American Express brand) is the first American Express-branded platinum credit card product in mainland China in cooperation with ICBC and American Express. This product has become a top credit card with high value-added privileged services and extraordinary experience. A new benchmark in products.

ICBC American Express Centurion Platinum Card is a high-end RMB/USD dual-currency credit card specially designed by ICBC for elites from all walks of life. In addition to enjoying various benefits and rights of ICBC Platinum Card, cardholders can also You can also enjoy various specially selected American Express Centurion benefits, including participation in exclusive and private salon activities, global travel discounts and global golf discounts.

I would like to ask which card is better for ICBC credit cards

I recommend the following ICBC credit cards with richer benefits and higher limits:

1. ICBC Shangri-La co-branded platinum card;

2. ICBC Universe Constellation Credit Card;

3. ICBC JD Little White Card.

These card types are all worth applying for. You can refer to them and choose the most suitable card according to your needs.

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