Credit card (credit card) points can be calculated by online shopping with credit cards (credit cards) such as CITIC QQ member joint credit card, CITIC Phoenix joint credit card, CITIC Taobao joint credit card, CITIC Sheng Da Literature joint credit card, etc.
The credit card (debit card) integral rules of CITIC Bank are as follows:
1, Puka can accumulate RMB 1 yuan or HKD 1 yuan, and every 1 dollar can accumulate 8 points.
2. When using gold or platinum cards, you can accumulate 2 points each time you spend or withdraw RMB 65,438+0 yuan or HK$ 65,438+0 yuan, and 65,438+06 points each time you spend or withdraw US$ 65,438+0.
3. If you use American Express Gold Card, Magic Gold Card, Magic Titanium Card and Magic Platinum Card, you can get 1.5 times points by trading with credit card (debit card) or withdrawing RMB 3,500 per month.
4. When American Express trades with Mopuka in Capka, 200 yuan (inclusive) will get up to 3 times the bonus points if the monthly transaction reaches 65,438+0.
What credit card should I use for online shopping?
With the development of online shopping in full swing today, most credit card online payment in the market actually has no points. Today, I will introduce a credit card suitable for online shopping to online shoppers. As an online shopper, our first requirement is of course that online shopping has points, and then there is no annual fee. The more preferential activities, the better. After some searching, it is found that the online shopping sites are basically Taobao co-branded cards of various banks, specifically: Guangfa Taobao Male/Female Card, Ping An Bank Taobao Co-branded Card, China CITIC Bank Co-branded Card, Industrial Bank Taobao Co-branded Card and China Bank Taobao Co-branded Card. Let's analyze them one by one.
1. Guangfa Taobao Male/Super Female Card
Unionpay card with single currency is divided into general card and gold card. The longest interest-free period is 50 days and the withdrawal amount is 50%. The annual fees for Puka, 40 yuan, Jinka and 80 yuan are free in the first year, and the annual fees for swiping cards six times in the following year are free.
Advantages: There are many famous activities: in March, the first time you use Guangfa Taobao Credit Card to pay quickly, you can get 5,000 pieces of concentrated treasure. On Friday (both points trading and online trading), if the consumption authorization number ends with "8", you can get the same amount of concentrated treasure. On the 8th of every month, 10:00- 16:00, you can grab the red envelope of Jifenbao on time.
Disadvantages: consumption directly accumulates concentrated treasure, and every time 5 yuan accumulates 1 concentrated treasure, the value is 100 concentrated treasure? 1 yuan, but not cumulative guangfa points.
After many inquiries, if I understand this sentence correctly, I understand that offline consumption accumulates 1 points in 5 yuan, and online consumption has no points. In other words, offline consumption returns to the collection and distribution of online shopping. This is online shopping without points! ! Do you deserve the name Taobao Card? It just passed.
Second, Ping An Bank Taobao Co-branded Card
This card is a single-currency UnionPay card, just a general card. The longest interest-free period is 50 days, the withdrawal amount is 50%, and the annual fee is 100 yuan. Free of annual fee in the first year, and free of annual fee in the following year after swiping the card six times.
Advantages:
1. Pay online quickly by credit card, 1 yuan = 1 mileage points. You can redeem gifts on the exclusive website of Ping An Miles Points, or you can directly use the points for Taobao shopping. The conversion rate from mileage points to telephone charges is 5 million mileage = 1 yuan, and the cash arrival rate of Taobao is 5.75 million mileage = 1 yuan.
2. In the first three months of each month, new customers pay for Taobao shopping quickly, and each payment is given an extra 5000 points, that is, 50009=45000 points. Send extra Miles points through "Miles Taobao Rebate", and Miles will send points by watering the trees every day. (Voice-over: I really like the mileage points of their family. It seems that I have sent a lot of points. )
3. Every Wednesday, Taobao Credit Card will pay full 100 minus 5 yuan.
4. Send an Alipay account.
5, there is a free SMS reminder every time you spend.
Disadvantages: offline promotion is concentrated in Shenzhen, and people in other areas can only use this card as an online purchase card.
Three. China CITIC Bank Taobao Co-branded Card
This card is a single-currency UnionPay card and a general card. The longest interest-free period is 50 days, the withdrawal amount is 30%, and the annual fee is 200 yuan. Free of annual fee in the first year, and free of annual fee in the following year after swiping the card five times.
Advantages:
1, online trading points, more than 2000 yuan double points.
2. Send the growth point of Taobao members.
More than 3.200 yuan will be reminded by SMS.
4. There are many activities, 9 sharing and communication, watching movies in 9 yuan, wonderful 365 and so on.
Disadvantages: points can't be converted into money for online transactions, only mileage or gifts.
Four. Industrial Bank Taobao Co-branded Card
Unionpay card with single currency, including ordinary card (annual fee in 80 yuan, free for five swipes in the first year and five swipes in the next year), gold card (annual fee in 200 yuan, free for five swipes in the first year and five swipes in the next year) and platinum card (500 yuan/2,600 yuan, free for annual fee), with the longest interest-free period of 50 days and the withdrawal amount of 50%.
Advantages:
1, 1 yuan = 1 minute, with a monthly limit of 20000 points. Points can be exchanged for 500 credit card points = 100 AliPay points = 1 RMB.
2. Give points when opening a new card: Activity A: Within 60 days after the card is approved, if a single limited transaction reaches 128 yuan, you can give 10000 points.
Activity B: Within 60 days after checking the card, you can get 10000 points if you limit 3 transactions and each transaction is over 228 yuan. You can only participate in one of the two activities.
3. Free handling fee for the first withdrawal every month.
4. The gold card gives 2 million yuan of aviation accident insurance (this other family seems to have no)
Disadvantages: There are actually quite a lot of offline promotions, but we don't have them here.
Verb (abbreviation of verb) China Bank Taobao co-branded card
I don't know why YY of Appearance Association didn't like this card when she saw it. She felt a strong local flavor. This card is a single-currency UnionPay card and a general card. The longest interest-free period is 50 days, the withdrawal amount is 30%, and the annual fee is 100 yuan. Free annual fee in the first year, free annual fee in the following year if you swipe your card five times.
Advantages:
1, 1 yuan = 1 points, which can be converted into AliPay points, 300 credit card points = 100 Alipay points = 1 yuan, and at least 3000 credit card points can be converted each time.
2, send Taobao diamond VIP,
Disadvantages: As one of the four major banks, the quota is inevitably low.
Finally, I introduce a card that can "take the world with one card"-CITIC I Platinum.
I never dared to look at a platinum card when I chose a credit card. It's said that the annual fee is expensive, so you can't get rid of it-but although the annual fee of this I Platinum is 480 (down from 2000 last year), it's now free in the first year, and you can get rid of it in the second year after swiping 12 times, which really deserves its advertising slogan-the first platinum card in your life.
Advantages:
1, double points for offline consumption and double points for online fast payment transactions (online can get 10000 points at most every month).
2. UnionPay respects the platinum level and enjoys all kinds of UnionPay platinum services (such as China Eastern Airlines booking discount, and the handling fee is not refunded for high positions).
3. Book tickets through designated channels and enjoy 2 hours/1000 yuan delay insurance (this is great! In the future, I hope that the flight will be delayed, and the points can be exchanged for Air China/China Eastern Airlines/China Southern Airlines miles, and I can participate in CITIC 9 points exchange activities.
5. CITIC has many credit card activities, such as Wonderful 365, which is quite practical.
Disadvantages:
1. This is a single currency card, so it will be a little inconvenient to go abroad.
2, the risk of delay must be designated channels to buy tickets, certainly more expensive than Qunar.com.
Summary:
1. If you have a credit card with a limit of more than 20,000 yuan, you can try to apply for CITIC I Platinum Credit Card, which is definitely a platinum card worth owning.
It doesn't matter if your quota is low. You can consider handling Ping An Taobao Card or Xingye Taobao Card. The points are faster and you can withdraw cash.
3. If there is no such bank in your city, you can also apply for CITIC Taobao Card or Bank of China Taobao Card, but you can forget about issuing a wide card.
Does Xingye Peach Blossom Credit Card have points for online shopping?
Many credit card online shopping has no points. Of course, there are also some special credit cards, such as this peach blossom credit card of Industrial Bank. When you use it to pay for pens and pens online, you can say that it is a necessary credit card for online shopping. Let's find out the points of this credit card.
Industrial Peach Blossom Credit Card is a DIY card of Industrial Bank pass Credit Card, and its rights and interests are similar to PASS, especially in online transactions with points that can be exchanged.
Therefore, using this credit card to swipe your card in all online shopping websites can be counted as points, not to mention swiping your card in comprehensive online shopping malls such as Taobao, JD.COM, 1 store, and trading in websites with specific needs such as Didi, Express Taxi, etc., and whether you use "UnionPay Online" payment or use payment channels such as Alipay and WeChat payment, you can count as points normally.
So, what about the online shopping points of this credit card?
From 1, 20 17 1 to 20 17 1, as long as the cardholder meets any sum of 100 yuan in the month of applying for card opening, he can enjoy the average points discount for online transactions in the next month. In the current month, this activity can earn up to 10000 points.
For example, Xiao Qi successfully applied for a peach blossom credit card in March, and spent 1 yuan in the supermarket that month. Then if Xiao Wang's online shopping amount reaches 3,000 yuan in April, he can get 3,000 points.
2. The supplementary card transaction is credited to the main card account. When the main card meets the conditions and can enjoy the rights and interests in the current month, the auxiliary card can also enjoy it at the same time, and the points obtained are included in the main card account. The maximum total points obtained by the master card and the slave card in the current month is 65,438+00,000 points. If the customer applies for a multi-pass credit card as the master card, the maximum sum of points obtained by all cards in the current month is 10000 points.
In addition, in addition to online shopping with peach blossom credit card, online shopping with Taobao co-branded credit card of Industrial Bank also has points. Cardholders can use the "quick payment" function to complete the transaction when shopping in the merchants marked "Support for Credit Card Payment" on Taobao, not only enjoying the bonus points, but also deducting the bonus points from the cash at the ratio of 500 points to 1 RMB.
Which bank can get points for credit card online shopping?
Everbright is the only credit card network that pays points, including Taobao and JD.COM. Some banks may take some special channels to earn points. For example, Bank of China can earn points through UnionPay online payment platform and pat in JD.COM. Of course, there is no UnionPay online on Taobao, so it is meaningless.
Most credit card online payments have no points; Some credit cards co-branded with shopping websites have points.
Joint credit card refers to the agreement reached between credit card and commodity distributor, so that cardholders can not only enjoy excellent financial services, but also enjoy special discounts from manufacturers when spending.
2. All co-branded cards have functions. Where joint merchants spend by credit card, the merchants will give corresponding points according to the consumption amount to attract consumers, and specially prepare some very special gifts, stipulating that they can only receive them according to the consumption points to attract consumers to shop.
Does anyone know that CITIC Credit Card (Debit Card) has points for online shopping?
Yes, CITIC Credit Card (Debit Card) online shopping has the following points:
1, with points in online shopping such as mail order installment in CITIC Bank Credit Card Center;
2. Merchants who cooperate with CITIC Bank online have points for shopping;
3. CITIC Taobao co-branded credit cards (debit cards) have points for shopping in Taobao, while other types of CITIC credit cards (credit cards) have no points on third-party shopping platforms such as Taobao.
So much for the introduction of online credit cards.