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1. Credit cards are generally issued by joint banks with different rights and interests, and different rights and interests can meet the needs of different card applicants. In recent years, major banks have increased their cooperation with different enterprises, and will launch joint credit cards. Joint credit cards generally enjoy the rights and interests launched by banks while enjoying the rights and interests launched by enterprises. Tencent Micro Card is a kind of co-branded card. At present, Tencent Micro Card has six card faces and card types, which enjoy different rights and interests. Applicants can choose according to their own preferences and needs.
2. At present, Tencent Micro Plus Card has four cooperative banks, and the credit cards of different banks enjoy different rights. For example, CITIC Bank and China Everbright Bank are free of annual fees for life, and all WeChat payment transactions accumulate points. The difference is that CITIC can exchange 9 points for movie tickets, Starbucks coffee and flight delay insurance, while China Everbright is free to trade SMS reminders and 48-hour card loss protection.
3. Industrial Bank and Guangfa Bank are exempt from annual fees in the first year. They need to spend enough times in that year to avoid free 8 yuan in the next year. Industrial Bank needs to spend five times, while Guangfa needs to spend six times. Xingye provides the applicant with 1 million aviation accident insurance, while Guangfa is cash back, with a maximum of 666 yuan. It can be seen that the benefits provided by Tencent Micro Plus Card launched by different cooperative banks are also different, which requires applicants to make their own choices according to their personal needs. Generally speaking, the benefits provided by joint credit cards are higher than those provided by ordinary credit cards, so joint credit cards can be preferred when applying for credit cards.