You still have to choose based on your favorite destination. Otherwise, no matter how many routes there are, there is no point in accumulating miles if there is no place you want to go.

1. The best ratio at present - Agricultural Bank of China airline co-branded card

Agricultural Bank of China’s airline co-branded card is divided into platinum card and gold card. The gold card is the first choice because the application threshold is low, it can be swiped 6 times, and there is no card holding cost.

There are currently six of them, and the cooperation partners include Air China, China Eastern Airlines, Hainan Airlines, China Southern Airlines, Xiamen Airlines, and Jilin Airlines. Except for Jilin Airlines, the redemption ratio of China Eastern Airlines, Air China, Hainan Airlines, China Southern Airlines and Xiamen Airlines is 15:1. Currently, points can be added to 2 times the membership level, and the overall ratio is 7.5:1.

This month, the 5x bonus points for the "Love Together" credit card of the Agricultural Bank of China have not been renewed. Friends are complaining, feeling that the Agricultural Bank of China's airline co-branded cards are over, especially some friends who only purchased the card at the end of June. There is no need to hesitate between canceling the card. Even without the 5x points bonus, the ratio of 7.5:1 is still better than most airline co-branded cards with no annual fee. So, what else do you have to complain about?

The 2x points rights for members of the Agricultural Bank of China Credit Card can be enjoyed unconditionally by all credit card users (you need to collect the rights manually, the path is: "Agricultural Bank of China Credit Card" applet - click on the membership level at the top - Member Rights - Double points).

If you work hard and upgrade to diamond level, you can receive 5 times the points, achieving a comprehensive ratio of 3:1. Of course, for most friends, it is difficult to reach diamond level, so you can get 2 times the points if you play Buddhist level.

If the qualifications are acceptable, then the Agricultural Bank of China airline co-branded platinum card is also a rare and good card. Except for the Juneyao co-branded card, the redemption ratio of China Southern Airlines is 13:1, and the redemption ratio of other airlines is 12:1. 1. With 2x points bonus, China Southern Airlines’ score is 6.5:1, and other airlines’ score is 6:1.

Other benefits, such as CIP services, are basically the same as ordinary Grand Platinum Essence White.

The annual fee is 880 yuan/year, which is rigid in the first year, and the annual fee is waived for the next year after spending 30 transactions. Note that the annual fee waiver for the first year is still valid. If you have more patience and make more customer service calls, you can save 880 yuan.

I can’t find a second airline co-branded card with no annual fee for 30 swipes and a ratio of 6:1 (except for some cards from local banks).

Related reading: How to play the co-branded platinum card of Agricultural Bank of China and Airlines (please automatically exclude the 5x points part).

2. The best value for money - Industrial Bank China Eastern Airlines, China Southern Airlines Elite White

When it comes to getting miles without spending money, I only use Industrial Bank’s China Eastern Airlines Elite White and China Southern Airlines Elite White. China Eastern Airlines Elite White The mileage redemption ratio is 10:1; China Southern Elite White is 12:1.

If you pay 19 yuan online every day, you can get one lucky draw opportunity, ranging from 6 to 60,000 points. If you win 60,000 points, you will get 6,000 China Eastern Airlines miles or 5,000 China Southern Airlines miles. Although the probability of winning is not high now, you can always win if you persist. Moreover, this month’s event has been increased, and you can participate twice a day.

It is definitely not cost-effective to use these two cards for daily consumption. With a ratio of 10:1, why not use the Agricultural Bank of China’s airline co-branded card? Therefore, it is enough to participate in the online payment lottery every day, and these are the only two cards that can earn free miles.

Currently, both the first and second cards of China Eastern Airlines Elite White Card can be applied for. The first card can be applied for on the China Eastern Airlines app, and the second card must be applied offline at an Industrial outlet. China Southern Airlines Elite White is only for new members of Industrial Bank, and can be applied for on the China Eastern Airlines app. Apply through the China Southern Airlines app (path: China Southern Airlines app - Home page - China Southern Airlines Membership - Co-branded card).

3. The most consumer feedback - China Guangfa Bank airline co-branded card

As for which bank and airline co-branded card has the most variety, the answer must be Guangfa, which has issued: Air China, China Eastern Airlines , China Southern Airlines, Hainan Airlines, Spring Airlines, Shandong Airlines, Sichuan Airlines, Xiamen Airlines, Shenzhen Airlines co-branded cards. Except for the Spring Airlines co-branded card, which has a redemption ratio of 4:1 (100 Spring and Autumn points equals 1 yuan), the ratio of other airline co-branded cards is 14:1.

This ratio... looks very weak.

It is indeed very weak, but don’t forget the shopping mall coupons that are given out every quarter when your business travel consumption reaches the standard. Gold Card's quarterly business travel consumption: 10,000 yuan ≤ quarterly consumption < 30,000 yuan, you can get 50 yuan GF mall coupons; 30,000 yuan ≤ quarterly consumption < 60,000 yuan, you can get 160 yuan mall coupons; 60,000 yuan ≤ quarterly consumption, You can get a 340 yuan shopping mall coupon.

This is equivalent to spending 20,000 yuan per month and getting 1,360 yuan in shopping mall coupons every year.

Don’t think that this mall coupon is an IQ coupon. In fact, you can buy quite a lot of things, including various supermarket cards, gas cards, etc., so don’t worry about not being able to spend it. In addition, you can also get 17,142 miles for corresponding consumption.

Okay, ShuaiShuai has helped you find out the three bank-airline co-branded cards with the best ratio, the highest price-performance ratio and the most rewards. It’s up to you how to choose.

Some friends may ask: Why not use other cards to accumulate comprehensive bank points and then redeem them for miles? The ratio is much better? Indeed, for example, the comprehensive point-to-mileage ratio of Bank of Communications is 18:1. When combined with the 5 times the points of the legendary Niu Card, the ratio can reach 3.6:1. It can easily beat airline co-branded cards in seconds. Therefore, Niuka is out of print.

Another situation is that there is an upper limit on how comprehensive points can be redeemed for airline miles. For example, Guangfa’s is generally 20,000 miles. Even if various activities add N times points and the upper limit is sealed, it doesn’t make much sense.

Or maybe you have accumulated a lot of comprehensive points, but when you redeem them, you find that the points have been frozen or cleared.

Airline co-branded cards generally do not have these problems, have higher redemption mileage limits, and are safer. As you can see from the above, the ratio and cost of redeeming miles is not that bad. Therefore, Shuai Shuai’s suggestion is: first use an ordinary credit card to participate in activities to accumulate comprehensive points, and when the redemption limit is reached, use airline co-branded cards without any thought.

Finally, don’t be half-hearted when accumulating miles. Focus on a certain airline, because the more miles you have, the more valuable they will be.

Co-branded credit card refers to an agreement between the credit card and the product dealer, so that the cardholder can not only enjoy excellent financial services when making purchases, but also enjoy special preferential treatment from the manufacturer.

Compared with credit cards issued in other forms, co-branded credit cards have the following characteristics:

1. Lower application requirements

Use the co-branded card partners’ The ready-made database can quickly increase the number of credit card issuances in the short term, and the standards required for applicants are relatively low. For example, with Long Card, famous school cards, teachers and students of the corresponding schools can basically apply successfully.

2. Co-branded cards can enjoy double benefits

In addition to using common functions such as overdrafts and interest-free installments with ordinary credit cards, you can also enjoy similar benefits to membership cards at co-branded merchants. .

Advantages:

1. Points

This is a function that almost all co-branded cards have. Whenever a card holder makes a purchase at a co-branded merchant, the merchant will give corresponding points according to the consumption amount to attract consumers. They have specially prepared some very special gifts, and stipulate that they can only be received with consumption points, in order to attract consumers to shop.

2. Discount

This is another major feature of co-branded cards. In order to attract consumers who visit frequently, merchants offer discounts through co-branded cards. For some designated discounted products, merchants stipulate that only co-branded cards can enjoy discounts, which is a benefit that cannot be enjoyed with cash or other methods.

Some shopping malls with higher profits even stipulate that as long as you spend with a co-branded card, you can enjoy discounts ranging from discounts. For those who want to go to shopping malls anyway, getting a co-branded card to enjoy discount services can be said to be a bargain.

3. Value-added

This is the most noteworthy aspect of co-branded cards. For people who buy cars, a co-branded card means that only with the card can they enjoy the maintenance services they deserve, such as Japan's Toyota co-branded card.

For those who buy a house, a co-branded card is a master key for the owner. Not only does the card get discounts for house purchases, but it can also be used as an door card, parking card, property card, social card, etc. Use, for example, the Vanke co-branded card of the real estate giant.

For ordinary shopping mall consumers, co-branded cards may have a more humanized service function. For example, with the co-branded card of Tesco Supermarket, you can use the card to take the free bus provided by the supermarket.

The various benefits of co-branded cards have been widely recognized by cardholders, merchants and banks, and more and more projects have been launched. I believe that in the near future, co-branded cards will become more popular and bring more benefits to consumers.