CITIC Bank credit card tiers

The card tiers of CITIC Credit Card include regular card, gold card, platinum card, titanium card, world card, unlimited card, etc.

Public card is the lowest level among CITIC Bank credit card levels. The credit limit of credit card is between 0-10,000, usually not higher than 10,000 yuan.

The credit limit of a gold card is slightly higher than that of a regular card. Generally, CITIC Bank will only grant a gold card if the applicant already holds a regular card and has good card usage records. The credit limit is generally 10,000. to 50,000 yuan.

Platinum card is a very high-level card type among the credit cards issued by China CITIC Bank. The approved credit limit is usually between 100,000 and 1 million.

CITIC Bank Titanium Card, World Card, Infinite Card and other levels are special products mainly aimed at high-end users. They can enjoy the supreme services and rights provided by the bank, and the limit is usually higher than that of the Platinum Card.

CHINACITICBANK, formerly known as CITIC Industrial Bank, was founded in 1987 and changed to its current name at the end of 2005. CITIC Bank is one of China's national commercial banks, headquartered in Beijing.

The major shareholder is CITIC Corporation of China. Spanish Bank of Spain (Banco Bilbao Vizcaya Argentaria, S.ABBVA) spent 501 million euros (approximately HK$5.02 billion) to purchase 5% of China CITIC Bank’s equity, and also has the option to increase its shareholding in China CITIC Bank to 10.07%. On April 27, 2007, CITIC Bank was listed on the Shanghai Stock Exchange. CITIC Bank is the seventh largest bank in mainland China, with total assets of more than HK$1.2 trillion, more than 16,000 employees and more than 540 branches. It is one of the six lines and three guarantees for Chinese financial stocks in Hong Kong.

On May 9, 2020, the Consumer Rights Protection Bureau of the China Banking and Insurance Regulatory Commission reported that in March 2020, China CITIC Bank provided personal bank account transaction details to a third party without the customer’s authorization. , violating the principle of confidentiality for depositors. Our bureau will initiate the investigation process in accordance with relevant laws and regulations, and investigate and deal with it strictly in accordance with the law and regulations.

At the end of 1984, with the needs of economic development, Mr. Rong Yiren, chairman of China International Trust and Investment Corporation (referred to as CITIC Corporation), sent a special letter to the central government requesting the establishment of a bank under the CITIC Corporation system to comprehensively operate foreign exchange banking business. . With the approval of the State Council and the People's Bank of China, a banking department will be established first to expand foreign exchange banking business and prepare for the establishment of a bank.

In April 1985, CITIC Corporation established the Banking Department on the basis of the original Finance Department, further expanding comprehensive banking services such as external financing, foreign exchange transactions, loan issuance, international settlement, financial leasing and deposit taking. .

At the end of May 1986, CITIC Corporation applied to the People's Bank of China to reorganize the banking department of CITIC Corporation into CITIC Industrial Bank.

In early 1987, with the approval of the State Council and the People's Bank of China, CITIC Bank was officially established. The head office is located in Beijing.

In April 1987, the People's Bank of China approved CITIC Bank as a state-owned comprehensive bank affiliated with CITIC Corporation. It is a subsidiary of CITIC Corporation and an independent legal person. Registered capital is RMB 800 million. Implement independent operations, independent accounting, and be responsible for profits and losses. Branches can be established at home and abroad to operate approved banking services.

The difference between CITIC Bank’s gold credit card and platinum card

The difference between CITIC Bank’s platinum card and gold card:

1. Different limits: CITIC Bank’s platinum credit card limit Generally, the minimum limit starts at 50,000 yuan. The better the qualifications, the higher the limit; while the gold card limit is between 10,000 and 50,000 yuan.

2. Annual fees are different: The annual fee of CITIC Bank Platinum Card is generally higher than that of Gold Card, and Platinum Card usually does not participate in the annual fee-free policy, while Gold Card often only requires swiping the card for a certain number of purchases. The annual fee can be waived.

3. Different rights and interests: Platinum credit cards can often enjoy more rights and interests, such as aviation accident insurance protection, higher amount of lost card protection and other rights.

There are 8 types of CITIC Bank credit cards, namely regular card, gold card, titanium card, platinum card, black gold card, diamond card, unlimited card and world card.

Which one is better, Gold Card or Platinum Card?

First of all, I can tell you responsibly that platinum is definitely better. However, I will write you the application conditions and discounts of the two cards below.

Gold Card: Application: Bring your ID card to apply, and deposit 200,000 for 3 months on a regular basis. (Your 20W cannot be used during these 3 months) Discount: Enjoy VIP channel processing business. Gold card transfer and remittance fees are discounted. Platinum card application: First, you must deposit 500,000 for 3 months regularly. Other benefits are the same as the gold card: 1. Enjoy the VIP channel to handle business, and if there is a gold card household head, handle the business of the platinum card household head first. 2. After reaching a certain point. Enjoy VIP access to the airport. 3. Platinum Card transfer and remittance fees are also discounted.

Differences in application conditions: Generally speaking, banks will approve gold cards for high-quality customers. In addition to meeting the basic requirements for applying for a credit card, people with an annual income of more than 400,000 yuan are more likely to be approved for a gold card. Platinum Card is the card issuer.

As far as ICBC is concerned, the meaning of platinum card is far greater than that of gold card. There are various preferential rates, such as transfer fees and fees for replacing cards without reporting loss. The annual fee is generally around 2,000. The investment limit of a gold card may be larger than that of a platinum card. The advantage is that the annual fee can be paid by 5 purchases or purchases per year. Any amount greater than 5,000 can be reduced.

Which CITIC Bank dual-currency credit card is best for you

In order to attract customers, major banks continue to issue new credit cards every year, and at the same time, in order to meet the needs of different groups of people, There are two types of dual currency and single currency credit cards. So, do you know what dual-currency credit cards CITIC Bank has? Which dual-currency card is better?

What are the dual currency credit cards of CITIC Bank?

CITIC Bank dual-currency credit cards mainly include: CITIC MasterCard Standard Platinum Card, CITIC Air China PhoenixMiles Credit Card, CITIC IHG? Priority Club Co-branded Card, CITIC Air China UnionPay Credit Card (Platinum Card), CITIC VISA Standard Platinum Card, CITIC eLong Co-branded Card, etc.

Which CITIC Bank dual-currency credit card is better?

1. A card suitable for business trips: CITIC Air China PhoenixMiles Credit Card

Reason for introduction: If you order air tickets through designated channels and travel domestically and overseas by taking international and domestic flights, you can get free flights. Delay insurance, you can get compensation up to 1,000 yuan if your flight is delayed for 4 hours; CITIC Bank’s 24-hour free accidental hospital admission medical insurance; every 15 yuan spent earns 1 PhoenixMiles mile.

2. A card suitable for travel: CITIC Elong Co-branded Card

Reason for introduction: Earn 6,000 Elong membership points for the first time; stay in hotels at discounted prices, "buy 10 and get 1 free" ; 24-hour global free travel traffic accident insurance.

3. A card that enjoys premium services: CITIC VISA Standard Platinum Card

The above is the relevant introduction to CITIC Bank’s dual-currency credit card. I hope it is useful to you.

There are several types of CITIC Bank credit cards

***There are the following types:

CITIC UnionPay Standard IC Credit Card Gold Card (UnionPay)

< p>CITIC Bank Taobao Credit Card Standard Card (UnionPay)

CITIC Bank Standard Credit Card Gold Card

CITIC Bank QQ Caibei Credit Card Gold Card (UnionPay)

CITIC Bank Bank Carrefour co-branded credit card general card (VISA)

CITIC Tencent QQ co-branded card membership version gold card (UnionPay)

CITIC UnionPay standard IC credit card general card (UnionPay)

< p>CITIC Bank QQ Caibei Credit Card Blue Card (UnionPay)

CITIC Taobao Co-branded Card Gold Card (UnionPay)

CITIC Bank Standard Credit Card (MasterCard)

CITIC Tencent QQ Credit Card Embossed Standard Card (UnionPay)

CITIC China Eastern Airlines Co-branded Credit Card Gold Card (VISA)

CITIC SF Express Co-branded Credit Card Gold Card (VISA)

CITIC Bank QQ Game Co-branded Credit Card Gold Card (UnionPay)

CITIC Bank I Card (College Student Card)

China Southern Airlines Sky Pearl CITIC Credit Card (Purple) Regular Card (UnionPay)

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CITIC Bank UnionPay i Platinum Card (UnionPay)

CITIC Bank Platinum Credit Card (UnionPay)

CITIC Bank Blue Card (Blue)

< p>CITIC Universal Cash Treasure Credit Card Gold Card (UnionPay)

Which CITIC Bank credit card is the best

CITIC UnionPay standard IC credit card general card; CITIC Bank Q Enjoy Co-branded Card Gold Card; CITIC Bank UnionPay Birkin Card; CITIC Taobao co-branded credit card (V version). These four types of CITIC Bank credit cards have relatively rich benefits and are easy to operate.

1. CreditCard is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit.

2. The form of a credit card is a card with the name of the issuing bank, validity period, number, cardholder name, etc. printed on the front. [1] Consumers who hold credit cards can go to the special commercial service department After shopping or consumption, the bank will settle the payment with the merchant and cardholder. Cardholder can overdraft within the prescribed limit.

3. The earliest credit card appeared at the end of the 19th century. In the 1880s, the British clothing industry developed so-called credit cards, and the tourism and business sectors followed suit. However, the cards at that time could only be used for short-term commercial credit, and the money still had to be paid as and when used. Long-term arrears were not allowed, and there was no credit line. In the 1950s, McNamara, a credit expert in Manhattan, was dining in a restaurant. Since he did not bring enough money, he had to ask his wife to send money over. This made him feel very embarrassed, so he organized the "Diners Club" (English: Diners Club). Members can bring a dining charge card to 27 designated restaurants to record their consumption without having to pay cash. This is the earliest credit card. Franklin National Bank was the first bank to issue a credit card, and other U.S. banks later followed.

It is said that one day, American businessman Frank McNamara was entertaining guests for a meal in a New York hotel. After the meal, he found that he had forgotten his wallet with him. He was deeply embarrassed and had to call his wife to bring it with him. Pay cash at the hotel. So McNamara came up with the idea of ??starting a credit card company. In the spring of 1950, McNamara and his friend Schneider invested US$10,000 to establish the "Diners Club" in New York, the predecessor of Diners Club. Diners Club provides members with a card that can prove their identity and payment ability. Members can use the card to record their purchases. This kind of credit card that does not require bank processing is still a commercial credit card.

4. Credit card Another way of saying this is that a credit card is a non-cash payment method and is a simple credit service. A credit card is generally a plastic card with a length of 85.60 mm, a width of 53.98 mm, and a thickness of 1 mm. It is issued to the cardholder by the bank or credit card company based on the user's creditworthiness and financial resources. The cardholder does not need to pay cash when using the credit card to make purchases. Make further repayments. Except for some credit cards combined with debit cards, general credit cards are different from debit cards and ATM cards in that credit cards will not directly deduct funds from the user's account. In February 2012, the bank confirmed that credit cards without passwords are more secure, and they share the responsibility for any fraud. Enjoy an interest-free period of 25-56 days (or 20-50 days). Card consumption enjoys an interest-free period, and there will be no fees if you pay off the bill before the due date. There is no interest-free repayment period for cash withdrawals. A daily interest rate of 0.05% will be charged from the day of withdrawal, and the bank will also charge a certain percentage of cash withdrawal fees.

What are the differences between the CITIC Bank credit cards?

CITIC Bank’s credit cards currently have the following types:

CITIC Platinum Credit Card

CITIC Magic Platinum Card

CITIC STAR Gold Card

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CITIC STAR Ordinary Card

CITIC American Express Credit Card

CITIC Magic Credit Card (only for female customers to apply)

"Air China Zhiyin" CITIC Credit Card

CITIC Tiannu Credit Card

CITIC 2006FIFA

World Cup MasterCard

CITIC I Card (Credit Card for College Students)

CITIC Southern Fund Co-branded Credit Card

CITIC Coca-Cola Co-branded Credit Card

CITIC Macquarie Co-branded Credit Card

CITIC Wonderful Hong Kong Travel Credit Card

UnionPay, all It can be used for installment consumption (within the limit, but not outside the limit now), but you have to go to a hypermarket that provides installment business

So now

1. The credit card name has been Explain the nature of the theme, and you can choose one according to your own use

2. Apply for a gold card or a regular card according to your own financial ability

The gold card and the regular card are based on your The proof of financial resources is provided to you. The gold card limit is higher than the ordinary card limit, and it varies.

This is the introduction of CITIC Bank’s credit card types.