There are always people who want Senior Sister to recommend cards, especially high-end cards. Again, there are thousands of credit cards, and the one that suits you is the best.
In addition, what I want to say is that when choosing a card, in addition to looking at the functions and benefits of the card itself, don’t forget to also refer to the services, rates, and operations of the card-issuing bank. abilities and other aspects.
Speaking of banks, I have to mention China Merchants Bank.
China Merchants Bank is indispensable for the current popularity of credit cards. China Merchants Bank promoted its credit card business earlier. In the early days, it mainly attracted customers through traditional methods such as "sweeping buildings" and "street stalls". After the online application channel was opened, China Merchants Bank has been at the forefront of the industry. Many people applied for their first credit card from China Merchants Bank.
China Merchants Bank also has excellent high-end card products, among which the most talked about is "China Merchants Bank Classic White".
China Merchants Bank Classic White has been named one of the "Three Whites for Diaosi". How "classic" is it? In this article, the senior sister will take you to understand this classic white of China Merchants Bank.
Why is it called "Diaosi Bai"? The name doesn’t sound very nice, but it essentially means that it is very cost-effective, that is, it has many benefits and is also exempt from the annual fee.
Annual fee: The annual fee for China Merchants Bank Classic White Master Card is 3,600 yuan/year, and the annual fee for supplementary cards is 2,000 yuan/year. It will be charged one year after the card is approved. From now until May 31, 2019, apply for and be issued a classic platinum card, and you can enjoy 10,000 permanent points redeemed for an annual fee of 3,600 yuan, and 5,000 permanent points redeemed for an additional card annual fee of 2,000 yuan.
The senior sister said: Roughly speaking, 10,000 China Merchants Bank points are basically equivalent to 200,000 points from other banks (because a single purchase of 20 yuan or more earns 1 point). It seems very high, but it is not easy. Accumulation, actually it is not difficult to accumulate points. CMB Classic offers 10 times points bonus for birthdays. At the same time, CMB Credit Card also often promotes some point-giving activities (pay more attention to CMB Credit Card WeChat and Palm Life APP). Therefore, for most cardholders, it is not difficult to get points with no annual fee.
Exciting benefits
(1) Airport VIP Lounge
Within one year after card approval or renewal, each card can enjoy 6 free services (inclusive). Each person is limited to bringing 1 guest at a time, and the number of guests is included in the 6 free times. If the Super Companion brings guests or uses it more than once, 3,000 points can be redeemed per time or paid according to the prices announced by the airports in various places.
(2) "300 Selected Hotels" VIP rate check-in
You can enjoy the privilege of staying in 4 domestic and overseas hotels + 2 extra times at VIP rate in overseas hotels.
(3) Enjoy up to 15% off on global car rentals for free
Enjoy up to 15% off on overseas car rentals from Avis, and enjoy quick pick-up at the member counter when booking online. Car service and free airport pick-up service, limited quantity, first come first served; enjoy five benefits for self-driving car rental at Hertz event stores in designated countries and regions around the world, including an exclusive 13% discount, and you can rent it for 6 days One day's vehicle rental is exempted. American luxury car rentals are exempted for one day after renting for four days. Cardholders can apply to join the Hertz Gold Card membership for free and provide free English translation of Hertz's Chinese driver's license.
(4) One free physical examination per year
Each card can enjoy one free physical examination per year, which can only be used within 12 months after the card is approved or renewed. It can be redeemed with 7,000 points per time, and the rights can be transferred to relatives and friends.
(5) Free oral care once a year
Each card can enjoy free oral care once a year, which can only be used within 12 months after the card is approved or renewed. 3,000 points can be redeemed each time, and the rights are non-transferable.
(6) Enjoy a luxurious five-star hotel buffet for RMB 988
3 times of "two persons free of charge" + 9 times of "two people traveling together, one person free of charge" annual card.
(7) Five-star hotel buffet "Two people travel together and one person is free"
(8) Enjoy a boutique five-star hotel buffet for 788 yuan
3 "Two people are free of charge" + 9 times of "Two people are traveling together and one person is free of charge" annual card.
(9) Free practice services at more than 100 golf driving ranges across the country 12 times a year
(10) High-cost insurance
Free for 48 days before reporting loss Hourly card loss protection, free high-value aviation accident insurance up to 15 million yuan, and free travel inconvenience insurance up to 2,000 yuan.
(11) Points exchanged for miles
The exchange ratio is as follows:
1,500 points = 2,000 miles (Air China, China Eastern Airlines, China Southern Airlines)
1,800 points = 2,000 miles (Asia Miles)
The redemption limit for this card in a calendar year is 50,000 miles.
(12) Enjoy 3x points bonus when purchasing air tickets on the Trip.com platform
(13) VISA VIP privileges
The world's leading hotel group "Stay 3, Pay 2" Benefits
Free valet parking at airports nationwide
13% off on LE CAKE French star cakes
......
The senior sister said: China Merchants Bank Classic White is a must-have card for high-end players. The application threshold is not low. There are certain requirements for the applicant’s annual income, real estate, cars and other assets. The high-end card of China Merchants Bank can be " Apply for a card with a card. If you have high-limit high-end cards from other banks, you can get extra points.