In this section, we will introduce several "must-have" bank cards. If you don't want to apply for too many bank cards, but also want to get enough good benefits, please refer to this section to apply. They can make your card-using life simple and happy.

1. CITIC i Platinum

Although CITIC i Platinum is a "platinum" card, I still risk being stepped on to recommend it to you here.

Because it is a credit card that is easy to apply for (you can apply if your limit exceeds 10,000 from other banks) and has comprehensive functions.

Its main functions include: high-value aviation accident insurance/delay insurance, points for online shopping, double points for consumption; and the free airport VIP rights are also unique.

In addition, CITIC’s various activities are also exciting. The 9 points exchange for gifts and the wonderful 365 are both activities worth participating in.

First, let’s summarize its advantages:

If you purchase tickets through designated channels, you can get 1,500,000 yuan of aviation accident insurance, and if you are delayed for 2 hours, you can get a fixed delay allowance of 1,000 yuan (designated channels include all airlines Company official website, and Ctrip/Elong)

Online transactions (Alipay quick payment, etc.) have points, and they are double points, equivalent to 12.5 yuan consumption: 1 mile (up to 10,000 points per month) , that is, 5,000 yuan consumption)

Offline card consumption also has double points

Apply before the end of 2013 and receive 4 Dragon Cards (equivalent to 500 yuan)

The level is UnionPay Platinum, and you can enjoy UnionPay Platinum benefits

You can participate in the CITIC 9 Shared Redemption; Wonderful 365 activities. These two activities have wide coverage and are very cost-effective.

Let’s talk about its shortcomings:

UnionPay single-label card, overseas consumption is limited

A maximum of 10,000 online transaction points can be awarded each month

The card surface is not pretty enough

2. Citibank Gift Card (Blue Card)

Although Citibank only issued credit cards in China last year, in the past year, Citibank’s There are quite a lot of activities, so I recommend them here:

Citibank has issued two credit cards: Gift Card (blue card) and Gift Card (black card). In comparison, there is no annual fee. The blue card is more recommended.

The biggest feature of the Citi Blue Card is: choose one of the two points programs to participate, and you can get 3 times the points from merchants corresponding to the selected consumption categories (the original Love Family has been canceled since 2013.10.1 ).

For example, if you choose the hedonistic plan, you can get 3 times the points by swiping your card when dining, singing, singing, or staying in a hotel; if you choose the shopping plan, you can get 3 times the points when shopping for cosmetics, etc. You can decide which points program to participate in based on your consumption.

In addition, the blue card’s points activities are also very rich. Let’s list some activities of Blue Card in 2013:

6 transactions of 188 from April to May will get 2 times extra points

6 transactions of 188 from July to August will get 7 times extra points Points

From September to November, 6 transactions of 188 will give you 5 times the points for gifts and catering items

Finally, Citigroup will launch activities such as 100 points in exchange for a five-piece kitchenware set for some users. If you are New customers of Citibank can also get a generous card sign-up gift (you will receive a Samsung Android Pad if you spend 60,000 within three months after the card is approved).

There are quite a lot of activities on the Citi Blue Card, and there has been no interruption from April to now. So if there is a Citibank in your city, this card is an absolute must.

Advantages:

The card surface design is beautiful and beautiful

You can accumulate 3 times the points for designated categories of consumption

Rich multiple points plan and Consumption activities

The card opening gift is quite generous

Disadvantages

Difficulty in repayment (but it is said that Alipay repayment will be launched in October)

Online transactions are not possible, including Alipay Express Payment and UnionPay Express Payment

The exchange rate difference for US dollar foreign exchange purchases

There are few outlets and online banking is extremely inconvenient

It is recommended to apply for Master for Blue Card version, because the master version of the blue card is a "titanium" card, which is considered a high-end card in China Merchants Bank.

3. Bank of Communications Standard Visa Gold Card/Wal-Mart Card

Bocom Wal-Mart is an extremely classic credit card, and Bank of Communications Standard Visa Gold Card is also a very balanced card. Therefore, we recommend that you consider applying.

First introduce the Walmart Card: The Walmart Card is a credit card with a consumption rebate close to 1. This ratio is the highest among cards currently issued in China, about 1, plus the Walmart 5 rebate every Friday. If there is a Wal-Mart supermarket next to your home, it is perfect to apply for this card. In addition, the Walmart Gold Card can also enjoy double points for overseas purchases.

If there is no Wal-Mart supermarket next to your home, you can consider applying for the Bank of Communications Standard Visa Gold Card. The standard Visa Gold Card can also participate in the Redtest Friday event, but the participating supermarkets and Walmarts are different. Bank of Communications’ point bonus activities such as “Multiple Points” are also exclusive to the standard Visa Gold Card.

Both standard Visa cards and Walmart cards can participate in points-rewarding activities for overseas purchases, but the proportion of reward points is different. You can click here to view Bank of Communications’ points rewards for the second half of 2013:

Friendly reminder: Each card’s points on the Walmart Card can be redeemed for up to 200,000 points per year. If you need to redeem more than 200,000 points, please apply for a few more Walmart cards! You can apply for up to four cards (UnionPay Gold, UnionPay Standard, MasterCard Gold, MasterCard Standard).

Advantages:

The highest rebate ratio of consumption points, ordinary card consumption can be exchanged for Asia Miles

There are quite a lot of overseas consumption activities

There are many bank branches, making it easy to apply

The bank’s IT system is mature and risk control is effective

Disadvantages:

No points for domestic online shopping

Required Only Walmart Supermarket can give full play to the strength of Walmart Card