Which bank in Xi’an offers the most credit card discounts?

The four major state-owned commercial banks:

China Construction Bank:

Advantages:

1. The annual fee is waived for the first year, and it is waived for the third time. Annual fee for the following year;

2. SMS service is free;

3. Cash withdrawal handling fee is only 0.5%;

4. Loss reporting handling fee is 50 yuan; < /p>

5. There is a credit card directly targeted at car owners. Anyone with a car with a displacement of 1.4 or above can easily apply for the card.

Disadvantages: The gifts that points can be exchanged for are few and poor

Bank of China:

Advantages:

1. Free of charge for the first year

2. Free SMS service;

3. Cash withdrawal fee is only 1%;

4. Report loss The handling fee is only 40 yuan

Disadvantages: high points required to exchange gifts, few types of gifts

ICBC:

Advantages:

1. If you swipe your American Express card 5 times a year or spend 5,000 yuan, the annual fee will be waived, or you can exchange 2,000 points for the annual annual fee of a RMB card;

2. Cash withdrawal fees are free;

3. There is no handling fee for overpayment redemption;

4. It only costs 20 yuan to report a loss;

5. Many outlets

Disadvantages:

1. The SMS service fee is 2 yuan/month;

2. The points required to redeem gifts are high and the types of gifts are small

Agricultural Bank of China:

Advantages:

1. No annual fee for the first year, and no annual fee for the next year after five transactions;

2. Free SMS service;

3. Cash withdrawal procedures The fee is only 1%;

4. The handling fee for reporting a loss is only 50 yuan;

5. There are many outlets

Disadvantages: 1. Few types of credit cards; 2. The card application procedures are relatively cumbersome; 3. Few points can be redeemed for gifts

China Merchants Bank:

Advantages:

1. No annual fee for the first year, swipe six times The annual fee for the next year is waived;

2. The SMS service is free;

3. The loss report handling fee is 60 yuan;

4. The points gifts are better

Disadvantages:

1. High cash withdrawal fee of 3%;

2. Fewer outlets

CITIC Bank:

< p>Advantages:

1. Swiping the card once within one month after issuance will waive the first-year annual fee, and swiping the card five times will waive the annual fee for the next year;

2. SMS service is free;

3. Free accident insurance

Disadvantages:

1. High cash withdrawal fee of 3%;

2. Few outlets;

3. The handling fee for reporting loss is 80 yuan;

4. There are many gifts but the required points are high

Industrial Bank:

Advantages:

1. The first-year annual fee is waived, and the annual fee for the next year is waived if you swipe five times or spend 3,000;

2. It costs 50 yuan to report a loss

Disadvantages:

1. SMS service fee is 3 yuan/month;

2. High cash withdrawal fee of 3%;

3. Few outlets

Bank of Communications:

Advantages:

1. The first-year annual fee is waived. The Y-POWER card is swiped three times to waive the next year's annual fee, and other cards are swiped six times to be waived. Annual fee;

2. SMS service is free;

3. Cash withdrawal fee is only 1%;

4. Reporting loss requires 50 yuan;

5. There are more branches than other non-state-owned commercial banks;

6. There are more gifts that can be redeemed with points

Disadvantages: I haven’t seen it yet, but using Bank of Communications The overall evaluation given by credit card colleagues is average

Guangfa Bank:

Advantages:

1. The annual fee is waived for the first year, and the annual fee is waived after six purchases.

2. There is no handling fee for claiming overpayment;

3. It only costs 3 yuan to prepare a replacement statement;

4. Send insurance One copy;

5. There are discounts for applying for the card

Disadvantages:

1. The SMS service fee is 3 yuan;

2. The handling fee for reporting a loss is 85 yuan;

3. Few branches

Shanghai Pudong Development Bank:

Advantages:

1. Free for the first year Annual fee;

2. No SMS service fee;

3. No loss report handling fee;

4. No overpayment recovery handling fee

Disadvantages:

1. The annual fee for the following year will be waived based on the card swiping record and repayment record;

2. The handling fee for replacing a damaged card is as high as 80 yuan;

3. The handling fee for cash withdrawal is as high as 3%;

4. Few outlets

Shenzhen Development Bank:

Advantages:

1. No annual fee for the first year;

2. Cash withdrawal fee of 1%;

3. The handling fee for reporting a loss is 50 yuan;

4. The handling fee for making a replacement statement is only 2 yuan

Disadvantages:

1 , points can only be exchanged for the next year's annual fee. Some credit cards must be swiped 12 times in the first year to exchange for the next year's annual fee;

2. Few branches

Minsheng Bank:

Advantages:

1. No first-year annual fee;

2. No cash withdrawal fees;

3. No overpayment refund procedures

4. Free aviation accident insurance and provide discounted car on-site emergency assistance services

Disadvantages:

1. Most credit cards require 8 swipes to be waived The annual fee for the following year, some of which require a production fee of 160 yuan;

2. The SMS service fee is 3 yuan;

3. The loss report handling fee is 80 yuan;

2. The cash withdrawal fee is 1%;