This paper discusses the platinum card that is still worth holding after the "warm upgrade". The selected card not only has good rights and interests, but also has a high return rate of points, and it is free of annual fees as much as possible. The key is to get a platinum card with a low threshold.
Since it came out in March 2005, its rights and interests have been relatively stable for more than ten years, especially after the baptism of 20 18 "warm-hearted upgrade", only one platinum card worth applying for is left for the Three Musketeers of China Merchants Bank.
The classic white annual fee is 3600 yuan/year, which will be charged after one year of verification, and the annual fee can be deducted from 10000 permanent points. However, some changes have taken place recently. At present, the policy of exchanging points for annual fees is before 2065438+May 3, 20091.
The classic platinum card is spent on the cardholder's birthday, and the points transaction enjoys 10 times (1 multiple base +9 times points, of which the upper limit of points is 10000). Cardholders can get 1 165448 only by spending 22240 yuan on their birthday.
China Merchants Bank credit card, if there is no classic platinum card (forget it), then the accumulated points can only be used to change pots and pans.
Classic Platinum Card can be redeemed for Air China, China Eastern Airlines and China Southern Airlines 2000 points: 1500, or asia miles Wanlitong 2000 points: 1800, with an annual limit of 50,000.
Flight delay insurance is also one of the standard rights of many high-end platinum cards. The classic white flight delay insurance is a fixed allowance for 500 yuan where the flight is delayed for 3 hours, and an additional 200 yuan is added every 1 hour, with an upper limit of 8 hours and a maximum of 2,000 yuan. Just myself.
The flight delay insurance attached to many cards does not pay for flights with mileage tickets. However, when you exchange miles for air tickets, you can use the classic white tax to get delay insurance protection.
Other rights and interests of Classic White, such as staying in a hotel with "300 yuan+100 points" for six nights a year (two nights of which can be booked in overseas hotels), the right to fast security check at CIP airport six times a year, the golf driving range of 12 times a year and the free medical examination once a year, have always been very stable rights and interests.
In the past, I would definitely recommend the standard platinum card, which is the white unicorn. Unless you have Longteng points or need to drive, I will recommend you to apply for Uniqlo Platinum Card. It is important that Uniqlo Platinum Card can be exempted from annual fee. Although White Kirin can also be exchanged for an annual fee of 250,000 points, 250,000 points can be exchanged for nearly 1 0.3 million Wan Li numbers, and the value is also close to10,000. However, you should know that the application threshold of Uniqlo Platinum Card is lower than that of Bai Qilin.
Bank of Communications points can only be exchanged for air miles with platinum cards. Like Bai Qilin, Uniqlo Platinum Card is 18: 1, with an annual limit of150,000 km/mile (2.7 million points are required), while overseas activities with 20 bonus points can achieve 1: 1.65438.
Of course, if you own a white unicorn, please make good use of your white unicorn, there is no need to downgrade. However, if you have a credit card of Bank of Communications (Jinpu Card) with a credit limit exceeding 10000, please don't hesitate to upgrade the Uniqlo Platinum Card, because it is really one of the platinum cards worth applying for.
ICBC is known as "Cosmic Travel", and it is also a big deal. At the end of 20 18, the rights and interests of its platinum card were adjusted against the trend-ICBC standard platinum card meets certain conditions and can enjoy unlimited Longteng service, with three people at a time. Send 10 travel rights, convertible shuttle bus (2 points/time), Longteng meal ticket, quick security check, Longteng meal ticket, car parking service and other services.
The annual fee of ICBC Platinum Card is 2000 yuan/year, and some cards can be exempted from the first year fee, such as Shangri-La Hotel Platinum Card and the newly launched Forbidden City Platinum Card. Spending 200,000 yuan by credit card (whether counting points or not) will be exempted from annual fee in the following year.
Considering that the annual fee can be exempted in the first year, it is suggested to apply for the joint card of Shangri-La Hotel of ICBC, and swipe Shangri-La points 120= 1, Shangri-La points 1000 = 100 USD to deduct the food and beverage expenses of Shangri-La Hotel.
In addition, ICBC Shangri-La Credit Card was successfully applied for before February 3, 20 19, and the accumulated consumption reached RMB 30,000 (or equivalent in foreign currency) within three months from the date of issuing the card, and the cardholder will receive 1000 VIP Gold Dollar Points, worth 100 USD.
At the end of 20 18, the "warm upgrade" was initiated by Shanghai Pudong Development Bank. Speaking of AE Bai in Pufa, it feels a bit like an online celebrity. AE Bai, who ascended the throne of "God Card" from the end of 20 15, had his rights and interests greatly adjusted, and many people called it "God Card" and fell off the throne.
After the "Warm Heart Upgrade", the annual fee policy remains unchanged: Pufa's first high-end card (including AE Super White, AE White, Royal Seal Card, Unlimited Card, Priceless World Exclusive Card, Priceless World Polar Card, etc. ) Free annual fee in the first year, and deduct 200,000 points from AE Xiaobai's annual fee in the second year.
AE Bai can still redeem mileage at 12: 1, but the annual limit is 30,000 kilometers. But if you are a local tyrant and your assets in Pudong reach 1 10,000, you will be given an extra limit of 1 10,000 kilometers.
However, Shanghai Pudong Development Bank has a "mileage bank", which can recharge the mileage value with points. The recharge ratio is 60 points = 1 mileage value, and the 1 mileage value is converted into 1 km domestic route mileage. If five times integral is used, the actual conversion ratio is 12: 1, which is the ratio of many platinum cards.
Other rights and interests change, provide 5 shuttle services every year, and send reliable flight delay insurance by card. PP card for Longteng, or I have unlimited times +7 times. For details, please click on "Shenka".
Although the rights and interests of AE Xiaobai have shrunk seriously, considering that the annual fee can be exempted, and the rights and interests such as sending unlimited Longteng and 5 pick-up and drop-off machines are still worth handling, the threshold for handling is still relatively high, which may not be easy to handle.
The only feature is that credit cards have multiple points. Before March 3, 20 19, CITIC's assets reached more than 50,000 yuan, and credit cards scored 6 times to reach more than 200,000 yuan, and credit cards scored 9 times.
Platinum cards (except the annual fee-free version) can be redeemed for mileage at 25: 1 If you get 9 times integral, it is equivalent to 2.78 yuan = 1 mileage! What is important is that the annual exchange limit is 200,000 miles (6.5438+0.5 million domestic airlines+50,000 Asian miles).
As for the points accelerated rights and interests after March 3 1 20 19, you need to wait patiently, even if it is adjusted to 6 times the points of assets above 200,000 in the future, it is still good.
Speaking of Industrial Bank's credit card, I am afraid the most popular one is the well-known bank card series Platinum Card (referred to as "bank card"). The annual rigid fee is 900 yuan/year, and the main rights and interests are: 2 transfers from overseas airports, 4 transfers from domestic airports, use of airport VIP lounge, CIP fast customs clearance service, flight delay insurance, etc.
10: 1 points are exchanged for miles of Air China, China Eastern Airlines, China Southern Airlines and Hainan Airlines. The optimal upper limit is 200,000 points (20,000 miles), and then the conversion ratio is 25: 1.
Widely distributed, it has been widely praised because of the cumulative proportion of aviation co-branded cards. However, all this ended last year. Business travel consumption no longer accumulates double mileage, and the upper limit of accumulated mileage consumption has also dropped to 600,000 yuan/year.
Let's review the cumulative consumption ratio of CGB aviation co-branded cards: value-added platinum card (2500 annual fee) 7: 1, exclusive platinum card 10: 1, titanium card 10: 1, and Jinpu card/kloc-0.
The value-added platinum card has stopped, and the most worthwhile thing to do now is to enjoy the platinum card. Take China Southern Co-branded Card as an example. Enjoy the redemption mileage of Platinum Card 10: 1. According to the ratio of 10: 1, the annual limit is 60,000 kilometers.
Card handling fee is a rigid annual fee in 800 yuan. However, although the double mileage accumulation of business travel was cancelled, Guangfa Mall was additionally presented, as shown in the following table.
If you spend 60,000 yuan on business trips every quarter, you will receive 30 yuan from 460 yuan Guangfa Mall with your Platinum Card. After reaching the standard, you can log in and find a wonderful APP, and use Mall 30 to buy shopping cards or objects.
People's livelihood, people's livelihood! This is the legend of Minsheng Bank credit card. But in fact, Minsheng Bank also has a platinum card worth applying for.
However, the equity platinum card requires an annual fee. However, the elite platinum card newly issued last year is the most suitable card for new customers of Minsheng Bank. Because the exclusive points applied by new customers of Minsheng are deducted from the annual fee.
Elite consumers spend 2 times points abroad and 3 times points on birthdays, so it should not be difficult to earn 200,000 points in the following year. Since it is the best boarding card, the rights and interests must be sufficient. Elite Platinum Card gives away 900 points every year, which can be used to redeem exclusive rights.
Minimum 55 points/person/time, VIP room service at the airport; Exchange 400 points for an unlimited priority pass membership card (PP card, valid for 1 year, and can be renewed with 400 points in the following year), which should be the most easily available free PP card at present; Minimum "299 yuan +200 points", which can be redeemed for hotel accommodation once a year; 275 points/time, in exchange for the whole department registration service of more than 700 top three hospitals in more than 40 cities in Beishangguang; Minimum score of 220, one year 1 time, and make an appointment for physical examination 3 working days in advance; Minimum product score 1 10, free dental cleaning care throughout the year 1 time.
It is unique for Minsheng Bank's points to be exchanged for value-added services. Cardholders can "redeem on demand" and redeem their just-needed rights and interests. Elite platinum hotel+physical examination+tooth cleaning can use 520 points. If you exchange another PP card, 900 points a year will not be enough, so don't worry about waste (exchange points, log in to the national life APP, enter life → enjoy service → value-added service platform).
In addition, the Elite Platinum Card comes with flight delay insurance, with a two-hour payment 1 1,000 yuan/time and a four-hour delay payment of 2,000 yuan/time (fixed payment 1 1,000 yuan+reimbursement 1 1,000 yuan), with an emphasis on unlimited times throughout the year.
In the context of banks generally reducing their rights and interests, there are not many good cards. Practical rights and interests, high points return rate, low card cost, there are really not many platinum cards worth applying for and holding now, and use them and cherish them!
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