1. Bank of Communications Friendship UnionPay Platinum Credit Card (Little Platinum): the annual fee is free in the first year, and the annual fee can only be exempted in the second year. If Ye Platinum Card and Ye Huanqiu Card withdraw cash overseas, there is no handling fee. Ye Huanqiu Card is exchanged in non-US dollars overseas, and there is no handling fee.

2. Bank of Communications Standard Credit Card (Gold Card): Free of annual fee in the first year, annual fee 120 yuan, enough for 6 purchases, and free of handling fee in the next year. You can enjoy the cash back discount by swiping your card at the designated gas station or supermarket.

3. Bank of Communications Wal-Mart Credit Card: The biggest advantage of this card is that you can get blood back when shopping in the supermarket. You can get a 2.5% credit card handling fee every day when you spend money at Wal-Mart 128 yuan, and you can get a 15% discount when you spend money at 128 yuan on Friday.