Usage review of CITIC Bank Taobao Credit Card

How about CITIC Bank Taobao Credit Card? What are the exclusive privileges of CITIC Bank Taobao Credit Card? First, let’s take a look at the basic attributes of CITIC Bank Taobao Credit Card. The annual fee for CITIC Bank Taobao Credit Card is 100 yuan, and the first-year annual fee is waived. The annual fee for the next year is waived by swiping the card 5 times. The interest-free period is up to 50 days. The credit limit is 1,000-10,000, and the withdrawal limit is 30 of the credit limit.

In addition, CITIC Bank Taobao Credit Card also has the following features:

Free Taobao membership growth points: CITIC Taobao Credit Card holders can receive Taobao membership growth points (Platinum Card Get 1,000 points as a bonus, 900 points for gold cards, and 800 points for regular cards), enjoy high-level membership benefits, and enjoy special discounts on millions of products from tens of thousands of boutique merchants on Taobao. (1,000 Taobao Growth Points is equivalent to spending 3,300 yuan or 66 valid transactions)

One-stop online application/repayment service: The application, use and repayment of CITIC Taobao Card can be completed online. Really realize the online one-stop service of credit card.

Double points: The calculation is based on the actual points transaction amount in the bill month. The points transaction amount in the bill month is from 0 yuan to 2,000 yuan (excluding 2,000 yuan). Single points are calculated. The points transaction amount in the bill month is calculated. Double points will be awarded for purchases over RMB 2,000 (inclusive).

How about the v version of CITIC Taobao co-branded credit card? What are the advantages and disadvantages

The V version of CITIC Taobao co-branded credit card has two cards: CITIC Taobao V Card Gold Card and CITIC Taobao V Card Platinum Card. CITIC Taobao V Card is an upgraded version of CITIC Taobao Co-branded Credit Card and is also known as Becoming a VIP version, CITIC Taobao co-branded credit card has always been well received, so what about the upgraded CITIC Taobao V Card? What are the special features?

Heavy introduction

Comprehensive list of CITIC Bank credit card discounts in the second half of 2015

1. Advantages of CITIC Taobao co-branded credit card V version

1. A 30-yuan red envelope will be given for the first Alipay quick payment

Within one month of opening the card, new customers of CITIC Taobao V Card will receive a 30-yuan Alipay red envelope if their first Alipay quick transaction reaches (inclusive) 30 yuan. Alipay Red Packet will send the serial number via SMS to the mobile phone number reserved when the customer applied for the card within 5 working days after the transaction is completed. This will cost you 30 yuan for the detailed bill and direct gift, so it is still very cost-effective to apply for this card.

2. Calculation of points for online transactions

CITIC Bank Taobao Co-branded Card (V version) is an upgraded version of CITIC Taobao Co-branded Card. The multiple of accumulated points of Taobao V Card will be calculated according to the application The level of the Taobao account associated with the card is calculated and the points are sent to the Taobao V card account. The calculation of points for online transactions can be regarded as a great feature of this card. Since it is a Taobao card, the calculation of points is also included in the calculation of annual fees, while the online consumption of many other credit cards is not calculated. Points, or the number of card swipes are not counted in terms of annual fee reduction.

3. Rewards of up to 10 times points

Taobao members can accumulate up to 5 times points through Alipay quick transactions on normal days, and on Taobao on special days such as member birthdays, registration anniversaries, and member days. Alipay quick transactions can accumulate up to 10 times points. This way you can quickly accumulate points, and CITIC also has a special points redemption event called "CITIC 9 Share Redemption", which is super cost-effective.

4. Free flight delay insurance

Cardholders of CITIC Taobao co-branded credit card V version can get free flight delay insurance if they order air tickets through designated channels if the gold card is delayed for 4 hours / the platinum card is delayed for 2 hours Flight delay insurance, the insurance premium is up to RMB 1,000. Nowadays, due to bad weather, flight delays are common, and free flight delay insurance is also a good feature.

5. Supports 27 repayment methods

CITIC Taobao co-branded credit card v version has many repayment methods, supporting automatic repayment, online repayment, outlet repayment and telephone repayment . CITIC Credit Card has 27 repayment methods, providing worry-free repayment through multiple channels. There is always one that suits you.

Convenient repayment also reduces the risk of overdue repayment, because slow repayment in some repayment methods can lead to expected repayment, and automatic repayment is also a very good option.

6. No guarantor, no deposit required

The dual-free system of no guarantor and no deposit required for CITIC Taobao Co-branded Credit Card v version makes the application procedure simpler and faster, allowing you to get Card free. However, you can quickly apply and get your card issued quickly.

7. CITIC Taobao V Card Platinum Medical Treatment

CITIC Taobao V Card Platinum Card enjoys 300 domestic special-level professors in various medical fields to provide you with health consulting services and VIP appointment registration services. VIP medical health channel. Provide health protection for CITIC Taobao V Card Platinum Card members.

6. Travel protection

CITIC Bank provides free unlimited road rescue services and free emergency gas delivery of 3 liters to more than 30 cities for CITIC Taobao V card holders Car courtesy.

2. Disadvantages of CITIC Taobao co-branded credit card v version

1. The points calculation for online transactions is only for CITIC Taobao V Card Gold Card, while the online transactions for CITIC Taobao V Card Platinum Card are Points are not counted.

2. Reward points will be given after the bill is issued, and the reward points shall not exceed 3 times the cardholder’s permanent limit. Many people have not noticed this. Although it can accumulate points quickly, there is a maximum limit on points. If the cardholder's credit limit is not high, the points may not be too high, but few people have experienced this. this restriction.

Summary: CITIC Taobao co-branded credit card V version is very suitable for young card lovers who like to shop online. Since it is a Taobao co-branded credit card, there will be many preferential activities for online shopping. It is an online shopping card. At the same time, it can still be used for offline consumption. Points are calculated for online consumption, and the points are doubled. These two points are enough for online shopping parties to put it down. Although there are some restrictions, this situation is generally not encountered, so I like it. Friends who shop online, hurry up and get one~

Is it safe to use a credit card for Taobao shopping? What are the risks?

Now many Taobao merchants have opened credit card payment channels. You can just choose a credit card when paying. Many banks have issued Taobao co-branded cards, and there are activities such as point accumulation and exchange for set points. It is very It's a good deal, but a reminder, you need to pay attention to safety when using credit cards online, because unlike debit cards, the maximum loss can reach the maximum limit, so you must pay attention to it.

Tip 1: After completing overseas online transactions, you should turn off the online transaction switch in time to avoid subsequent risky transactions.

Tip 2: When conducting overseas online transactions, you should activate relevant certification services through safe channels.

Tip 3: When conducting online transactions within the country, try to use a personal customer certificate (USB shield) or electronic password card for transactions.

Tip 4: Do not conduct online transactions in public Internet places such as Internet cafes to avoid passwords and other information being stolen by others.

Tip 5: Choose a website with good reputation and long operation time for bank card online payment business.

Tip 6: Keep online consumption records, check transaction details frequently, and contact the bank immediately if you find any unknown expenditures.

Which bank is the best for online shopping credit cards? Comprehensive comparison of the five major Taobao credit cards

It is no exaggeration to say that Jack Ma’s Alibaba has influenced a generation. From the past of purchasing goods door to door and comparing the performance and price of goods to the current purchase without leaving home. To find your favorite product, Taobao really contributed a lot. In this era of rapid development of online shopping, in order to meet the consumer needs of users, Taobao Credit Card came into being.

So which bank is the best for online shopping credit cards?

1. Ping An Taobao Credit Card

Introduction index: ★★★★

Reasons:

1. Wanlitong points will be given when shopping on Taobao , can be exchanged for gifts, or you can use points to shop directly on Taobao (535 Miles Points = 100 Jifenbao);

2. SMS service is free;

3. Recharge Annual fee is waived for 6 times;

4. There are many discounts, including discounts on food, drink and entertainment (see the official website for details);

If you like to eat, drink, have fun and shop online, you may wish to consider this card.

2. GF Taobao Credit Card

Introduction Index: ★☆☆☆☆

Reasons:

1. GF Taobao Card consumption is direct Accumulated Jifenbao. Every 5 yuan spent will accumulate 1 Jifenbao. What is the value of 100 Jifenbao? 1 yuan, but no GF points will be accumulated.

2. The first thing I applied for was this Taobao card, which was used for online shopping. I found that there was no bonus for online shopping. I called and asked, and I received Jifenbao for purchases in physical stores, but not for online purchases - I burst into tears knowing the truth. In this case, why do you want to order Taobao card? _(___)_. However, you can consider this card for daily consumption. 5 yuan will get you 1 set of bonus. Based on the exchange ratio and practicality, this card is also a good choice for daily consumption.

3. The annual fee is waived when the number of purchases is reached;

Disadvantages:

1. The SMS service fee is 3 yuan/yuan. (You can now use WeChat to bind your credit card, and you will receive WeChat notifications when you make purchases)

2. No points will be awarded for online purchases, and no Jifenbao will be given.

3. Spend 5 yuan and get 1 episode bonus. In other words, you won’t get 1 yuan or less.

3. CITIC Taobao Co-branded Credit Card Gold Card (only gold cards are introduced)

Note: The CITIC Taobao Co-branded Credit Card Platinum Card charges an annual fee in the first year, and tens of thousands of points are required to waive it in the following year. Annual fee, so no introduction

Introduction index: ★★★☆☆

Reason:

1. There are points for online transactions, and according to Taobao membership level, Points proportions are also different; points can be multiplied for special persons such as birthdays and membership days;

2. Transaction SMS notification (the starting point for SMS is a transaction of RMB 200)

3. 5 purchases Annual fee for the following year;

Disadvantages:

2,000 CITIC Bank points = 100 sets of bonuses (this ratio... I can't accept it!)

Advantages:

It is easy to earn multiple points regardless of online transactions or physical purchases;

4. Industrial PASS Credit Card Gold Card

Introduction Index: ★★★☆☆

Reasons:

1. Transaction text messages are free;

2. The annual fee for the next year is waived after 6 purchases;

3. If you meet any card transaction of more than 100 yuan (inclusive) in the current month, you can enjoy the discount of points accumulated for online transactions in the next month;

Disadvantages:

1. Card swiping transactions that satisfy 100 yuan refer to consumption transactions through POS machines (consumption in physical stores, such as supermarkets and convenience stores); if not, it will be useless. . . .

2. Points cannot be redeemed for Jifenbao (confirmed with Taobao customer service).

Advantages:

If you meet the conditions for online shopping points, you will earn points for all online transactions! (This is very powerful b()d)

Note: "Online shopping" refers to online transactions using Industrial Bank PASS credit cards; online transactions include payments through Industrial Bank, Alipay quick payment transactions, and Tenpay Tong Express Payment transactions, Kuaiqian Express Payment transactions and UnionPay online transactions (except for tobacco delivery transactions where the merchant number from 8th to 11th is 4458), etc.

5. Xingye Taobao co-branded credit card (introducing regular card/gold card)

Statement: This card has platinum card, gold card and regular card. Once the platinum card is issued, it will not be activated regardless of activation. There is an annual fee, so applications are not introduced.

Introduction index: ★★★★☆

Reason:

1. SMS service is free;

2. Annual fee is 200 yuan /year, the annual fee is waived in the first year, and the annual fee is waived for the next year after spending 5 times (contact customer service to confirm);

3. Online shopping points, redemption ratio: 500 points = 100 sets of points;

Disadvantages:

Compared with Industrial Bank PASS credit card, the points function is not as powerful.

The above is a single introduction to Taobao credit cards from five banks. You may be a little confused as to which credit card is better for online shopping. Below is a comprehensive comparison of Taobao credit cards from five banks from the perspective of functions and discounts. You can easily see which one is better.

The above 5 types of Taobao cards, as far as online shopping is concerned, the GF Taobao Card is useless. Online shopping does not count points and does not give away Jifenbao. I am very curious, how can it be called Taobao Card? In general, online shopping The only credit cards that can earn points are Ping An, CITIC and Industrial Bank.

1. In terms of points function

1 Industrial PASS credit card points function is the most powerful, but it has a fatal flaw: among Alipay’s credit card point redemption collection, Industrial Bank only Only the points earned by Industrial Taobao co-branded credit cards can be redeemed for Jifenbao. I personally consulted Taobao customer service on this point.

Industrial Bank Taobao co-branded credit card that pays quickly through Alipay can also earn points. I have tried paying with Alipay (Industrial Bank Taobao co-branded credit card) on Meituan.com, and it can earn points.

2 It is easiest to earn multiple points with the CITIC Bank Taobao co-branded card.

2. From the perspective of discounts

Ping An Bank’s Taobao co-branded card has the most discounts. Including watching movies, eating, drinking and having fun.

In terms of the availability of credit card points

Credit card points can be exchanged for Jifenbao. The above major banks’ Taobao card redemption has been ranked as follows through PK:

First place : Industrial Taobao co-branded card - 500 points = 100 sets of treasures;

Second place: Ping An Taobao co-branded card - 535 points = 100 sets of treasures;

Third place : CITIC Taobao co-branded card - 2,000 points = 100 sets of bonuses.

Not introduced: Industrial Bank PASS credit card - after confirmation with Taobao customer service, PASS credit card points cannot be redeemed for Jifenbao notes.

So, generally speaking, for online shopping, the first credit cards to recommend are Ping An Taobao co-branded credit card and Industrial Taobao co-branded credit card, followed by CITIC Taobao co-branded credit card.

Which Taobao co-branded credit card is better? Comparison of the advantages and disadvantages of the three major Taobao credit cards

Each bank has its own unique Taobao co-branded credit card, which is both convenient and safe. Since each bank has different policies, They target different groups of people, so there are also differences in the limits and usage rules of Taobao credit cards. So which Taobao co-branded credit card is better? How should we choose? Here are four high-quality Taobao credit cards.

Which Taobao co-branded credit card is the best

Industrial Bank, Ping An, China, China Guangfa, and China CITIC Bank all have Taobao shopping points activities. Industrial Credit Card Center Taobao co-branded card has levels including platinum card standards. Edition, Platinum Card Elite Edition, Gold Card and Regular Card. Which bank's Taobao credit card is better? The factors you need to examine are nothing more than the strength of cash rebates, how many points you get for shopping, how much you get off when you spend more, etc. Generally speaking, every Taobao credit card has its own merits, and no one can be perfect. However, there are still many people applying for the Industrial Bank Taobao credit card, which meets the consumption needs of most people. The characteristics of other banks may not be so obvious. Card friends We can choose appropriately according to our own needs.

Comparison of the advantages and disadvantages of the three major Taobao credit cards

1. CITIC Taobao co-branded credit card

1. New customers can enjoy a 30-yuan Alipay red envelope when applying for the card;

2. Alipay has points for fast payment. Gold card purchases or cash withdrawals earn 2 points for 1 yuan, double for birthdays, and up to 10 times the points;

3. There are constant surprises throughout the year, on Wednesdays and Sundays 50% off at six cooperative merchants; you can also enjoy value-for-money promotions such as CITIC Credit Card’s “9-share redemption” and “9-yuan movie watching”; 3 and 4-hour flight delay insurance worth 1,000 yuan.

Advantages: Points are earned for online and offline transactions.

Disadvantages: Reward points are limited, Taobao V6 customers cannot exceed 40,000 points, and V5 and below customers cannot exceed 30,000 points.

2. GF Taobao Card

1. GF Taobao card consumption directly accumulates Jifenbao, every 5 yuan spent = 1 Jifenbao, 100 Jifenbao = 1 yuan ;

2. Every Friday, if the consumption authorization number ends with "8", you can get an equal amount of bonus;

3. On time on the 8th of every month, 10:00-16:00 Grab Jifenbao red envelopes, and a total of 4 million Jifenbao red envelopes will be randomly sent out on that day;

Advantages: Consumption directly accumulates Jifenbao, and Jifenbao can be spent as money.

Disadvantages: Consumption directly accumulates Jifenbao, and does not accumulate GF points. It can only be used on Taobao, and the scope is limited.

3. Ping An Taobao Co-branded Card

1. Online shopping with Alipay quick payment will earn points, and the points can be spent as money;

2. Through Ping An Wanli Tong website Enter Taobao to shop online, and Taobao members will receive 3 times Miles Points;

3. Enjoy the highest points on Wednesdays when shopping at popular cooperative merchants (Tmall, No. 1 store, JD.com, Amazon, Haagen-Dazs, etc.) 100 minus 50.

Advantages: Ping An Taobao Card cooperates with merchants both online and offline, with points for online transactions and as many as 27 offline cities (movies starting from 10 yuan, more than a thousand restaurants and shopping discount merchants)

Disadvantages: There is a 15 handling fee for converting Ping An Miles points into Jifenbao.

Introduction to other Taobao credit cards

1. Industrial Bank Taobao co-branded credit card

Industrial Bank Taobao co-branded credit card covers “credit card online application, credit card fast payment, and online payment with points. , points quick payment, credit card bill online check, Alipay online repayment" and other six functions, customers can operate the entire process through the Internet from application, use to repayment, truly realizing a faster, more affordable and full-process online payment service .

2. Bank of China Taobao Co-branded Credit Card

The Bank of China Taobao Credit Card is a co-branded credit card jointly owned by Bank of China Co., Ltd. and Alibaba Group’s Taobao and Alipay. Conveniently enable online payment by activating the cartoon payment function on the Alipay website. Bank of China also provides services such as easy installment purchase and a global network of preferential merchants.

For Bank of China Taobao Credit Card Cartoon Payment, after signing a contract and binding your credit card and Alipay account, you can directly log in to your Alipay account without going through online banking, and use the Alipay payment password to make payments from the bound credit card. Function, experience simple, safe and fast Alipay online payment.

3. Bank of Shanghai Taobao Co-branded Credit Card

In addition to earning Taobao points, you can also accumulate Taobao co-branded credit card points by making transactions through Alipay Quick Payment. When paying via Alipay Express, you can use Taobao co-branded card credit card points to directly deduct Alipay Express Payment consumption. 750 credit card points = 100 sets of bonuses. In addition, at any Bank of Shanghai branch, just show this card and you can enjoy the VIP customer green channel of the branch and receive priority in handling private cash business.

What about the GF Taobao co-branded credit card?

The daily consumption of cardholders of the GF Taobao co-branded credit card is no different from that of other credit cards. In addition, the cardholder of this credit card is born in the month of his birthday. You can get an additional double points for consumption. New users of this credit card can enjoy points and double points for Alipay purchases in the first year.

However, it should be noted that the GF Taobao co-branded credit card itself does not have a point accumulation function, but directly accumulates it into Jifenbao. Every 5 yuan spent with the card and every 5 yuan spent can accumulate 1 Jifenbao. Among them, 100 Jifenbao can be exchanged for 1 yuan. In addition, cardholders do not need to log in to online banking when shopping online. They only need to enter the Alipay payment password to make online payments.

Since Guangfa Taobao Card is a card launched by China Guangfa Bank in cooperation with Alipay and Taobao. Taobao cards can also accumulate GF points when paying with Alipay. At the same time, cardholders can enjoy half-price shopping privileges for a variety of leisure and entertainment benefits. Friends who want to apply can consult the card-issuing bank for more details. If you want to know more information, you can follow us.

Co-branded credit card refers to an agreement between the credit card and the product dealer, so that the cardholder can not only enjoy excellent financial services when making purchases, but also enjoy special preferential treatment from the manufacturer.

Co-Branded-Card is a bank card accessory product jointly issued by commercial banks and for-profit institutions. At present, the most common one is a co-branded debit card, which is a bank card with a co-branded nature developed on the basis of a debit card.

Co-branded credit card was approved in France on October 1, 2007. It is a bank card with the logo of a company or store or association, such as Visa and Mastercard. and American Express. At present, many companies have launched this kind of credit card, such as Fiat, Orange, Nouvelles Frontières, Air France, etc.

The operation mode of a co-branded credit card is that the card-issuing bank jointly issues a card with profit-making institutions such as airlines, telecommunications companies, and shopping malls. Consumers who hold the card can enjoy the benefits provided by the merchant when spending money at these institutions. a certain percentage of discounts. Now many banks have developed co-branded credit cards with larger shopping malls in the city.

The card fee for a co-branded credit card is generally 19 to 45 euros. The institution that issues the card and its partner merchants offer bonus points, price reductions, and other benefits to credit card holders. This is a "real" credit card in that it can withdraw cash and pay for goods, and is accepted by all banking networks and merchants.

But please note that this is a loan consumption card. Even if you only use it to withdraw 15 euros or pay 45 euros for gasoline, it is equivalent to using a recovery loan and you have to repay the interest. Therefore, be careful when using this kind of co-branded credit card. It is necessary to apply for it only if you are really a loyal customer of the merchant.

Compared with credit cards issued in other forms, co-branded credit cards have the following characteristics:

1. Lower application requirements

Use the co-branded card partners’ The ready-made database can quickly increase the number of credit card issuances in the short term, and the standards required for applicants are relatively low. For example, with Long Card, famous school cards, teachers and students of the corresponding schools can basically apply successfully.

2. Co-branded cards can enjoy double benefits

In addition to using common functions such as overdrafts and interest-free installments with ordinary credit cards, you can also enjoy similar benefits to membership cards at co-branded merchants. .

That’s it for the introduction of Taobao credit card.