The conversion ratio of points of banks to airline mileage is recommended by the six major mileage cards.
1 Bank of Communications White Kirin
The conversion ratio of airline mileage is 18:1, with an annual limit of 3, miles. Dollar account spending 3 times points, birthday month double points, birthday designated MCC spending can get 5 times points, plus overseas multiple points activities (although the rules have been changed), the exchange ratio can almost reach 1:1.
2 bank of communications youyibai
the air mileage exchange ratio is 18:1, which can be exchanged to a maximum of 15, yuan per year, with double points for dollar consumption, and five times points for designated catering and entertainment consumption on the birthday, with a maximum of 1, reward points.
3 PUFA AE Bai
enjoys the premium interest of redeeming 12:1 points for air miles, up to 1, domestic air miles, and 5 times points for Alipay and WeChat express payment, with a redemption ratio of 2.4:1; At the same time, there is also delay insurance. If the consumption reaches the standard, you can automatically pay 15 yuan (twice every six months) for more than 2 hours.
4. The original conversion ratio of E-Card
is 25:1, and the conversion ratio can reach 2.78:1 when 9 times points are added (with asset requirements).
5 China Merchants Bank Classic White
China Merchants Bank can get 1 point for spending in 2 yuan, with a conversion ratio of 1,5: 2,, and you can enjoy 1 points on your birthday, that is, you can get 1 point for spending in 2 yuan, and the conversion ratio is reduced to 3:4.
6 The conversion ratio of Bank of Beijing Zodiac White
points to Air China mileage is 18:1, and you can enjoy three times of points for catering, department stores and accommodation, and you can enjoy a 1% discount for integral mall Platinum Card, which is equivalent to 5.4:1 to Air China mileage.
All credit cards that are most suitable for redeeming miles are recommended
Now that we know that redeeming air miles is the best way to use points, let's study which airlines are most suitable for redeeming miles and which credit cards are most suitable for redeeming miles.
Most credit cards can be exchanged for the four major domestic airlines, Air China, China Eastern Airlines, China Southern Airlines and Hainan Airlines.
in fact, however, the mileage values of these four major airlines are different. Excluding the influence of route layout factors of local airlines, the fair value of mileage is the highest in China Southern Airlines, followed by Air China/Hainan Airlines and China Eastern Airlines.
1. If China Southern Airlines has not added a transferee and has three flight records, the first addition of the transferee will take effect immediately. Therefore, the card exchange is very convenient and has the highest value, usually the fair value is about 8-9 yuan per 1, miles. However, it will take 3 days to take effect after adding the transferee, so the value of the second card has dropped by nearly half, and the fair value is usually about 5-6 yuan per 1, kilometers.
Reminder: China Southern Airlines should never add a transferee at will.
2, the best frequent flyer program in Asia-asia miles. Cathay Pacific's flight points program is asia miles, usually referred to as Avan /AM. Cathay Pacific is one of the founding members of OneWorld, one of the three major international aviation alliances. It has many cooperative airlines and its routes are very smooth and developed. It has been rated as a five-star airline all the year round, and only Hainan Airlines occasionally receives this honor in China. The membership points program Yawan is worth accumulating because of its easy redemption, rich routes, simple rules and open stopovers.
it is particularly important to note that the mileage of foreign airlines is mostly calculated in miles, while that of domestic airlines is calculated in kilometers, and 1 mile ≈1.6 kilometers, so the mileage of foreign airlines is naturally more valuable than that of domestic airlines. Yawan usually calls mileage by miles, and later it is temporarily called mileage to distinguish the difference of units. There is also a transferee system when Asian Miles are exchanged for air tickets, but there is no effective period limit. The first five transferees are free of charge, and the change will take effect immediately after payment. Usually, the fair value per ten thousand miles is about 1-11 yuan.
here comes the point! Which cards have a good mileage conversion ratio, are easy to apply for and have appropriate annual fees? Among the cards that often appear, Brother Zhe has selected 25 cards, and one picture shows which cards are the most worth having.
As the mileage of Avan is 1.6 times that of domestic airlines, Zhege will be able to redeem the card types of Avan in advance.
The chart is only ranked by the conventional realizable redemption ratio. In actual redemption, different banks will impose different restrictions on the annual mileage redemption limit or the upper limit of points acquisition for different card types, and it is impossible to write all of them due to space constraints.
among the top cards, citic and guangfa need special conditions to obtain the optimal exchange ratio, which is not easy to achieve. Pufa AE Bai is still the easiest uncrowned king to achieve. Please pay attention to the blue shadow series for cards that are easier to achieve and have a good exchange ratio. Among them, in November, CITIC launched a new Cathay Pacific Asia-Wan co-branded card, and the annual mileage exchange limit reached an astonishing 1.2 million! !
citic and guangfa are recommended to play with card sets because they have different card types and different points multiples, but they also use the points pool. Next, we will take a special look at how the brainless brushes and card sets of CITIC and Guangfa are configured.
Let's look at CITIC, which has become popular because of the new Cathay Pacific Yawan co-branded card and the introduction of Yawan.
1. The mileage conversion ratio of CITIC non-co-branded cards is divided into ordinary cards 5: 1 and platinum cards 25: 1. Platinum cards refer to paid platinum cards, excluding I-white and visa full-currency white, which are free of annual fees. The only exception is that the annual fee is still free in the first year, and the AE white is deducted by 45, points in the following year. This is a real 2-yuan grade platinum card.
2, CITIC has no brain 1. The leader among the multiple points is the newly-developed Easy Card. If the Platinum Card of Easy Card (with an optional annual fee of 48/2 and a conversion ratio of 25: 1) has more than 2, wealth management assets in CITIC, 9 times points will be given for offline transactions, and the monthly points will not exceed 9 times the fixed amount. If there are 5, assets, 6 times points will be given for offline transactions, and the monthly points will not exceed 6 times the fixed amount.
for example, if the fixed amount is 6, yuan, the assets in CITIC are more than 5, yuan, and if you spend 6, yuan every month, you can get 36, points up to six times, and you can get 4.32 million points every year, which can be exchanged for 172,8 miles. Because the annual redemption mileage limit of CITIC's non-joint card is 15,, this scheme can achieve the annual task with a very good ratio of 4.2: 1.
3, CITIC has no brain 2. Guotai Yawan Co-branded Card automatically redeems Yawan Miles at a rate of 1: 1, which is 1.6 times the kilometer mileage in miles, so it is actually equivalent to 6.25: 1 cards only redeemable for domestic airlines. The annual mileage exchange limit has reached an astonishing 1.2 million.
4. CITIC sets cards. AE White+Taobao V Card +i White+Huitianfu.
when Taobao v card is a member of Taobao V6, you can use AliPay to pay 5 times the points quickly on weekdays, and you can get an amazing 1 times the points when shopping in Taobao on privileged days, with a maximum of 4, points per month. Even if Taobao members can reach V4~V5 without reaching V6, they can use Alipay to pay 4 times points quickly on weekdays, 8 times points for Taobao shopping on privileged days, and the maximum monthly bonus is 3, points.
i white, Alipay WeChat payment, various online fast payment up to 1, points per month, offline consumption 2 times points.
with huitianfu, offline consumption can reach 3 times points. With a monthly consumption of about 2, records, you can get 6,.
the above three cards can earn 11, yuan per month and 1.32 million yuan per year. However, when these three cards are redeemed for mileage, they are all redeemed at 5: 1, which is very uneconomical. Bless one AE white, and when redeeming points, use the AE white ratio of 25: 1 as the main card to redeem, and check the points in the other three cards for combined redemption to get 52,8 Asian miles.
guangfa, whose exchange rate has been stable and reliable, is also an important source of mileage.
The mileage conversion ratio of Guangfa's non-co-branded cards is divided into 3: 1 for ordinary cards, 3: 1 for China Southern Airlines, 3: 1 for World Cards/Unlimited Cards/Zhenxiang/Zhenshang White to Yawan+25: 1 for the three major domestic airlines, and 2: 1 for Business Travel Platinum/International Student Cards. In fact, everyone can apply for a foreign student card. A gold card with no annual fee actually has the best mileage exchange rate in Guangfa, and it is the only card in Guangfa that is free of goods transfer. Don't you want one?
Therefore, the so-called Guangfa Card Set also uses other cards with multiple points function to accumulate points for daily consumption. When redeeming, the overseas student card is used as the redemption master card, and the points in each card can be redeemed at the lowest redemption ratio by checking the combined points.
Guangfa China Southern Platinum Card has always been a classic card without a brain brush. Business travel, overseas twice, the exchange rate for China Southern Airlines can reach an astonishing 3.5: 1. It can be accumulated at 3.5: 1 every month within 7, kilometers, and it will not be doubled if it exceeds 7, kilometers, and it can be accumulated at 7: 1.