What is the limit of Minsheng Bank’s standard platinum card?
The general limit of Minsheng Bank’s standard platinum card is 50,000 to 100,000, with an annual fee of 600 yuan per year, and 8 exemptions in the first year. There is a limit on the amount, and there is no annual fee if you spend over 50,000 the following year.
Of course, the credit card limit is determined by the bank based on the applicant’s personal qualifications. Therefore, the limit of the platinum card applied for by everyone is different. If you want a higher limit, then ensure that you Your personal qualifications are higher.
Minsheng credit card limit situation is as follows:
Ordinary card: limit 3,000-10,000, annual fee 100, one payment in the first year is waived for the current year, and 8 payments in the following year are waived for the following year. .
Gold Card: The limit is 10,000-50,000, the annual fee is 300, the first-year annual fee is waived when you open the card, and if you swipe the card 8 times in the same year, there is no limit on the amount, and the next year's annual fee is waived.
Standard Platinum Card: 50,000-100,000, annual fee of 600 is waived for 8 times without limit in the first year, and annual fee is waived when spending 50,000 in the following year.
Luxury Platinum Card: 100,000-200,000, annual fee is 3,600, and annual fee is waived when spending 960,000 in the following year.
Diamond Card: 200,000-1 million, annual fee is 10,000, the annual fee will be waived if you spend 2.7 million in the following year.
The Minsheng Bank Credit Card Gold Card has the following benefits:
1. Preferential points policy. Users can get 100 points by spending 100 yuan with the card. I calculated it by my own method. 100 points are worth approximately RMB 0.279.
2. Free high-value aviation insurance by swiping the card. If the cardholder uses a Minsheng Bank credit card to pay the full air ticket price or more than 80% (inclusive) of the tour fee, he or she will receive a platinum card worth 8 million yuan. , high-value aviation accident insurance of 3 million yuan for gold cards and 1 million yuan for regular cards, and tickets can be delivered to your door.
China Minsheng Banking Corporation (Shanghai Stock Exchange: 600016 Hong Kong Stock Exchange: 01988) is the first national commercial bank established by private capital in mainland China. It was established on January 12, 1996. Major shareholders include Liu Yonghao’s New Hope Group, Zhang Hongwei’s Eastern Group, Lu Zhiqiang’s China Oceanwide Holdings Group, China Shipowners Mutual Insurance Association represented by Wang Yugui, China Life Insurance Company, Shi Yuzhu, etc.
Minsheng Bank’s A shares were publicly listed on the Shanghai Stock Exchange on December 19, 2000, and Minsheng Bank’s H shares were listed on the Hong Kong Stock Exchange on November 26, 2009. Ranked 251st on the Fortune Global 500 list in 2018.
Resource source: Baidu Encyclopedia - Minsheng Bank
The difference between Minsheng Bank Standard Platinum Card and Elite Platinum Card
The differences between Minsheng Credit Card Gold Card and Platinum Card are :
1. The amounts are different. The Platinum Card has a higher limit, above 50,000, while the Gold Card has a slightly lower limit, below 50,000.
2. The annual fees are different. The annual fee of the platinum card is more expensive than that of the gold card. The annual fee of the platinum card of China Minsheng Bank is 600 yuan, while the annual fee of the gold card is 300 yuan.
3. Different rights and interests. The platinum card of China Minsheng Bank has more benefits and benefits than the gold card.
China Minsheng Bank (English name: China Minsheng Banking Corp., Ltd., referred to as CMBC, Minsheng Bank, Shanghai Stock Exchange: 600016 Hong Kong Stock Exchange: 01988) is the first national commercial bank established by private capital in mainland China. , established on January 12, 1996.
Main major shareholders include New Hope Group, Oriental Group, China Oceanwide Holdings Group, China Shipowners Mutual Insurance Association, China Life Insurance Company, etc.
Minsheng Bank’s A shares were publicly listed on the Shanghai Stock Exchange on December 19, 2000, and Minsheng Bank’s H shares were listed on the Hong Kong Stock Exchange on November 26, 2009. Ranked 251st on the Fortune Global 500 list in 2018.
On June 26, 2019, eight banks including China Minsheng Banking Corporation were among the first to launch an online enterprise information verification system. In July 2019, the 2019 Fortune Global 500 was released: ranking 232nd.
On December 18, 2019, it was selected into the People’s Daily’s “China Brand Development Index” 100 list, ranking 70th. In March 2020, it was selected as the 185th among the top 500 most valuable global brands in 2020.
Business Scope
(1) Absorb public deposits;
(2) Grant short-term, medium-term and long-term loans;
(3) ) Handle domestic and foreign settlement;
(4) Handle bill acceptance and discount;
(5) Issuance of financial bonds;
(6) Agency issuance and agency Redeem and underwrite government bonds;
(7) Buy and sell government bonds and financial bonds;
(8) Engage in inter-bank lending;
(9) Buy, sell and act as an agent Buying and selling foreign exchange;
(10) Engaging in bank card business;
(11) Providing letter of credit services and guarantees;
(12) Acting for collection and payment Payment and insurance agency business;
(13) Provision of safe deposit box services;
(14) Other businesses approved by the banking regulatory authority of the State Council. With the approval of the People's Bank of China, it can engage in foreign exchange settlement and sales business.
Company size
As of September 2013, China Minsheng Bank has branches in Beijing, Shanghai, Guangzhou, Shenzhen, Wuhan, Dalian, Nanjing, Hangzhou, Taiyuan, Shijiazhuang, Chongqing, Xi'an, There are 29 first-level branches in Fuzhou, Jinan, Ningbo, Chengdu, Tianjin, Kunming, Nanchang, Qingdao, Xiamen, Zhengzhou, Changsha, Changchun, Hefei, Hohhot, Shenyang, Guiyang, etc.
In Baoji, Shantou, Suzhou, Wenzhou, Quanzhou, Handan, Tangshan, Cangzhou, Luoyang, Nanyang, Xiangyang, Luliang, Datong, Weifang, Nantong, Hengyang, Zhongshan, Yichang, Xuchang, Yancheng, Jining, Longyan, Shangrao, Ma'anshan, Ganzhou, 30 secondary branches have been established in Jinhua, Changde, Yanbian Prefecture, Taizhou, Sanya, Huai'an and other places.
In Xianning, Wuxi, Changzhou, Zhenjiang, Yantai, Shaoxing, Putian, Dongguan, Foshan, Zhuzhou, It has established 12 directly affiliated branches in Huangshi, Xiaogan and other places, and has a branch in Hong Kong. It is currently preparing for Singapore representative office, Tokyo representative office and London representative office. In addition, it controls 27 rural banks across the country; it also controls Minsheng Canadian Bank Fund Management Co., Ltd. and Minsheng Financial Leasing Co., Ltd.
What are the three types of Minsheng Standard Platinum Cards?
There is no type of Minsheng Standard Platinum Card. Minsheng Platinum Card is a bank card launched by China Minsheng Bank. The standard version of the Platinum Card has an annual fee of 600 yuan, an interest-free period of 20 to 50 days, and a minimum repayment of 10% of the amount owed. Among various card products, Minsheng Diamond Platinum Credit Card, Minsheng Women’s Flower Credit Card, Minsheng Overseas Student Credit Card, Minsheng VISA Olympic Credit Card and other products are deeply favored by cardholders. In the field of high-end customers, Minsheng Diamond Platinum Credit Card has issued more than 100,000 cards, ranking among the best in the country.
1. Minsheng Platinum Card is a bank card launched by China Minsheng Bank. The standard version of the Platinum Card has an annual fee of 600 yuan, an interest-free period of 20 to 50 days, and a minimum repayment of 10% of the amount owed.
2. Benefits of Minsheng Standard Platinum Credit Card:
①. Air service: No matter what class of flight seat you take, you can directly enter 18 domestic Minsheng Bank airport VIPs for free. In the lobby, a dedicated person will handle all check-in procedures for you. Diamond credit card holders can also enjoy exclusive private space in more than 450 airport VIP lounges around the world.
②. Guaranteed travel service discounts: As a distinguished guest of Minsheng Platinum Credit Card, we specially provide you with the most comprehensive and thoughtful full travel protection from domestic banks. The first ultra-high insurance coverage of up to 8 million yuan, lovingly benefits you and your family members.
③. Hotel services: Minsheng Platinum Credit Card VIP line makes it easy to book the world's top hotels, bringing you free broadband, free breakfast, free upgrades, preferential stays, cumulative upgrades and other extraordinary benefits!
④. Road assistance: With Minsheng Platinum and Diamond Credit Cards, you can enjoy 24-hour nationwide road assistance service, allowing you to enjoy unlimited services in nearly 300 cities across the country (excluding Hong Kong, Macau, and Taiwan) Road emergency assistance truly realizes the perfect idea of ??traveling all over the world with one card.
⑤. Global exclusive routes: As a flying trapeze artist, of course you are more concerned about the quality and quality of high-flying life. Minsheng Platinum and Diamond Credit Cards provide you with special preferential services on many high-quality international routes in Europe and the United States.
What are the benefits of Minsheng Standard Platinum Credit Card?
You can enjoy the following benefits:
1. You can get corresponding cash rebates when you go to a gas station to refuel.
2. You can enjoy efficient and considerate medical services.
3. The annual fee can be waived after swiping the card a certain number of times.
4. Points earned through credit card consumption and other channels can be used to redeem airline miles.
5. You can enjoy car wash service for one yuan.
Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).
Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit. The so-called credit card generally refers to a credit card only.
Advantages of credit cards
Compared with ordinary bank savings cards, the most convenient way to use credit cards is that they can be used for ordinary consumption without cash in the card. In many cases, as long as Just return the consumed amount on schedule.
You can use overdrafts without deposits, and you can enjoy an interest-free period of 20-56 days for on-time repayment without any interest charges (most banks will charge an interest of 50,000 cents on the day of cash withdrawal, and There is a 2% handling fee. ICBC cash withdrawals are free of handling fees and only charge interest).
Swiping your card when shopping is not only safe and convenient, but also provides points for gifts.
You can enjoy discounts when you use the card at the bank's designated merchants.
Accumulate personal credit and add a record of integrity to your credit file that will benefit you throughout your life.
It is accessible nationwide and you can withdraw money or make purchases by swiping your card at ATMs and POS machines with the UnionPay logo; (Note: Credit cards are only suitable for consumption and swiping. It is best not to withdraw cash. The handling fee for cash withdrawals is very high and very inconvenient. Cost-effective)
Swipe card purchases, collect existing points with some credit cards, and offer a variety of discounts and lucky draws throughout the year, so you can always be surprised as long as you use the card; (most credit card online payments do not have points, but online shopping payments Very convenient and fast)
Free mailed statements every month, allowing you to transparently control every consumption expenditure; (now promoting green environmental protection, paper statements can be canceled and changed to electronic statements)
The unique supplementary card function is suitable for couples to manage finances at the same time, or to control their children's financial expenditures.
The free choice of one card and dual currencies is available all over the world. Overseas consumption can be repaid in domestic RMB.
400 or the 5-digit short number starting with 9 is available 24 hours a day. Loss reports are effective immediately and there is zero risk of losing the card.
Have validity period: It is known that the validity period of domestic credit cards is generally three or five years.
Use third-party platforms (the domestic platform that supports credit card bill management is mainly Jujindou) for business cooperation to provide cardholders with preferential services.
Is the Minsheng Elite Platinum Credit Card worth it? Evaluation of benefits, annual fees, and limits
Minsheng Elite Platinum Credit Card is a very popular and very popular card from Minsheng Bank. It can be said that many people have applied for this card. So, is the Minsheng Elite Platinum Credit Card worth it? Today, we will conduct an evaluation and analysis from the three aspects of Minsheng Elite Platinum Credit Card: rights, annual fees, and limit.
Benefits:
1. Cardholders can enjoy unlimited flight delay insurance, traffic accident insurance of up to 1 million yuan, and aviation accident insurance of up to 10 million yuan throughout the year. Assure.
2. Cardholders can enjoy 2 times the points reward for overseas transactions.
Edition cardholders can enjoy fast customs clearance services for domestic flights and overseas flights at 8 major domestic international airports, as well as benefits such as staying 3 for 2, staying 4 for 3, free breakfast for two, room upgrades and other privileges in high-end hotels around the world.
Edition cardholders can also enjoy discounts of up to 15% cashback on overseas purchases, shopping gift certificates, and cashback rights for world-famous museums and park tickets.
Comments:
The benefits of this elite platinum card from Minsheng Bank can be said to be quite generous, whether it is flying, staying in a hotel, or overseas shopping, travel, etc. Overseas shopping, etc., all have exclusive rights and interests.
Annual fee:
The annual fee for Minsheng Elite Platinum Credit Card is 1,800 yuan, and there is no annual fee for supplementary cards. There is a discount on the annual fee. If you activate on March 31, 2019, you can enjoy the annual fee exemption for the first year.
And the annual fee for the next year will be automatically deducted with 200,000 points.
Comments:
There is no doubt that as a high-end platinum card, its annual fee must be quite high. However, compared with other high-end products that have rigid annual fees that cannot be waived, the annual fee burden of Minsheng Elite products is lighter.
Not only is there a discount for the first year's annual fee, but you can also use points to waive the next year's annual fee. Its consumption can accumulate multiple points, so it is not particularly difficult to reduce the annual fee.
Amount:
Minsheng Elite Platinum Credit Card is a high-end platinum card, and the limit of high-end platinum cards has always been very high, starting from 80,000.
Comments:
First of all, as a high-end white card, this credit card is not a fake platinum card, so there will be no dish cards. Moreover, Minsheng Bank has always given generous credit limits. Other platinum cards start from 50,000, but this credit card starts from 80,000. So the amount is quite good.
The above is the answer to "Is the Minsheng Elite Platinum Credit Card worth it?" Whether in terms of card benefits, card limit, or annual fee policy, Minsheng Elite Platinum Credit Card is a pretty good high-end platinum credit card.
That’s it for the introduction of Minsheng Bank Platinum Credit Card.