CITIC Bank currently has the following credit cards:
CITIC Platinum Credit Card
Citic Magic Platinum Card
Citic Star Gold Card
Citic Star Ordinary Card
CITIC American Express Credit Card
CITIC Magic Credit Card (female customers only)
"Air China Companion" CITIC Credit Card
CITIC Tiannv Credit Card
Citic 2006 FIFA
World Cup MasterCard
CITIC I Card (College Student Credit Card)
CITIC southern fund Joint Credit Card
CITIC Coca-Cola Co-branded Credit Card
Citic McCawlin Co-branded Credit Card
CITIC Wonderful Hong Kong Travel Credit Card
UnionPay can be used for installment consumption (within the quota, but now it is not beyond the quota), but you have to go to the hypermarket that provides installment business.
So now
1. The name of the credit card has explained its theme nature. Please choose one for your own use.
2. Do you want a gold card or a general card according to your economic ability.
Gold card and Puka will handle it for you according to your financial certificate. The amount of gold card is higher than that of Puka, and the amount is different.
What is the credit card rating of CITIC Bank?
The card levels of CITIC Credit Card include ordinary card, gold card, platinum card, titanium card, world card and unlimited card.
1. Puka is the credit card with the lowest credit rating of CITIC Bank. The credit limit of a credit card is between 0- 10000 yuan, generally not higher than 10000 yuan.
2. The credit limit of gold card is slightly higher than that of ordinary card. Under normal circumstances, if the applicant holds an ordinary card and has a good use record, CITIC Bank will issue a gold card as appropriate. The credit line is generally between 10000-50000 yuan.
3. Platinum Card is an advanced credit card issued by China CITIC Bank. The number of batch cards is usually between 6.5438+million and 6.5438+million.
4. The special products such as titanium card, world card and unlimited card launched by CITIC Bank are mainly aimed at high-end users. They can enjoy the supreme services and rights provided by banks, and the amount is usually higher than that of platinum cards. 、
1) CITIC Black Gold Card is actually the black gold and platinum card of CITIC Bank, which is also the platinum card. Although this card is not as high as a real black gold card, it is also a revolutionary and powerful credit card with valuable rights and interests. For example, you can enjoy high-end services such as VIP lounge in global airports and exclusive hospitality in luxury hotels, while the benefits of UnionPay Platinum Card are few. It's just that the annual fee is quite expensive, 6800 yuan/year. Fortunately, there is no annual fee.
2) As the platinum card level of CITIC Bank, the handling conditions of CITIC Black Gold Card are quite strict. Only customers invited by SMS can handle it. In addition to meeting the basic card conditions, the following conditions should also be met: using other credit cards 1 year or more, with good credit, and the limit of 10000 or more, preferably CITIC card; There is no other card handling record within half a year; The best position is manager or above. Provide income flow, deposit certificate, real estate license and vehicle certificate.
3) Ordinary cards and gold cards can usually enjoy the annual fee-free policy, such as swiping the card for 6 times and swiping the card for 2000 yuan next year. Even if you have to pay, it is generally between 65,438+000-300, which is not too high. The annual fee of platinum card is generally around 600- 1000 yuan, which is usually inevitable because it provides better rights and services than ordinary card and gold card. The annual fee for unlimited cards is too high for most people to afford. Take Citibank's unlimited card to extremely black card as an example, and the annual fee is as high as 20,000 per year, which is inevitable.
What kinds of CITIC credit cards are there? Each type of CITIC Credit Card has its own advantages.
CITIC Bank has set up different types of credit cards for different consumer groups, giving consumers different preferences. Xiaofu showed everyone about these credit cards.
First, online shopping pickpockets: Taobao V card, I Platinum card.
1, Taobao v card
● Holiday surprise, with points doubled 10 times.
On special days such as Taobao member's birthday, member anniversary, Taobao new member registration day, member day, etc., you can enjoy up to 10 times CITIC credit card points when you use Taobao V card for Alipay quick transaction.
30 yuan red envelopes, everyone has a share.
Within one month after the new user of Taobao V card opens the card, the first Alipay express transaction is full (inclusive) in 30 yuan, and the red envelope of 30 yuan Alipay will be returned.
2.I Platinum Card
● Annual fee-free credit card platinum card.
I Platinum is exempt from the annual fee for the first year in 480 yuan, and the annual fee for the next year is exempted by swiping the card (including cash withdrawal) 12 times in the billing year.
● Integral of online transaction table
Double points can be calculated through the online transaction of CITIC I Platinum Card.
● 5 million aviation accident insurance
If you pay 80% or more of the air ticket or tour fare by credit card, you can get high aviation accident insurance without spending money. Your insurance coverage is as high as 5 million RMB! Spouses and children of peers can also have high insurance of up to 2.5 million yuan and 65,438+10,000 yuan, and the whole family can enjoy protection.
●2 hours flight delay insurance
Every natural month, the integral transaction reaches 6000 yuan, and you can claim by plane before the end of the next month.
That is to say, if the trading conditions are suitable, use CITIC I Platinum Credit Card to book air tickets for yourself and your peers through the designated booking channels, and pay the full amount of the air tickets. If the flight is delayed for 2 hours, the compensation can reach 65,438 yuan+0,000 yuan. Caring, caring all the way.
Second, trapeze: air co-branded card, Ctrip co-branded card.
1, China Southern Pearl Credit Card
● Dual-card integration, distinguished experience
Nanzhu credit card integrates Nanzhu membership card and CITIC credit card, which allows users to experience distinguished rights and convenient services in business travel and daily consumption.
● Double mileage, exclusive rights.
With the consumption of China Southern Airlines Card, you can get the corresponding "China Southern Airlines Pearl Mileage" cumulative reward.
Platinum Card: Every time you spend 65,438+00 RMB, you can accumulate 65,438+0 kilometers of "China Southern Pearl".
Gold card: every time you spend 15 RMB, you can accumulate 1 km of "China Southern Pearl" mileage.
Puka: Every time you spend 18 RMB, you can accumulate 1 km of "China Southern Pearl" mileage.
2. Ctrip co-branded credit card
● Full return, waiting for you to play.
New users of CITIC Ctrip Co-branded Card can get 3% refund of air tickets, 6% refund of hotels and 5% refund of holiday products through designated channels within 90 days (inclusive); After 90 days, 0.3% of air tickets, 5% of hotels and 2% of holiday products can be returned through designated channels.
● Flight delay insurance, free.
Citic Ctrip co-branded cardholders can purchase flight delay insurance for free by ordering air tickets through CITIC Business Travel Service Line 40068-95558, Ctrip website and Ctrip mobile phone client APP, and traveling at home and abroad on international and domestic flights.
Platinum card-compensation for flight delay of 2 hours 1000 yuan.
Gold card-4-hour compensation for flight delay 1000 yuan.
Third, the goddess must have: magic credit card
Magic Credit Card (exclusive to women)
● Up to 30,000 yuan for women's health insurance.
Take the lead in providing women's health insurance for CITIC Magic Credit Card holders in China, helping you stay away from many high-risk diseases of women and giving you all-round care! The maximum insured amount of Magic Platinum Card, Magic Titanium Card and Magic Gold Card is RMB 65,438+000,000, and the maximum insured amount of Magic Gold Card is RMB 30,000 (subject to the terms).
● Reward points for online/offline transactions.
Using magic cards for online transactions, ordinary cards will count as single points, and gold and platinum cards will count as double points.
●6 free beauty SPA services
The main card users of CITIC Magic Platinum Card (including distinguished and distinguished levels) can have 6 free high-end beauty SPA services during the annual fee period, and users can share this service with relatives and friends. Provide beautiful pastoral and beautiful beauty services for users to choose from.
Iv. Overseas purchase in buy buy: visasignature full currency credit card.
Visasignature full currency credit card
● Free of 1.5% currency exchange fee.
There is no need to queue up to buy foreign exchange, and there is no charge for buying foreign exchange online!
● Overseas visa lines cost 3 times points.
The higher the cost, the more points, and there is no ceiling. You can redeem air miles and points gifts at will!
● Free of overseas cash withdrawal fees.
Before 201612/31,take it as needed and use it as needed.
● Free annual fee of 2000 yuan.
Apply before 20 16 12 3 1, and the card is valid without annual fee, which is very easy to use!
● Exquisite card opening ceremony
Before 20 16, 12, and 3 1, the new car host who applied for and approved CITIC Quanjintong Credit Card for the first time can open the card at will during the activity and obtain the redemption qualification. Eligible users will receive SMS prompts to redeem exquisite card opening gifts, which can be redeemed through SMS or website.
Cai Xiao suggested that CITIC Bank should open different types of credit cards according to different purposes and scope of use. Consumers should know the details of the card before applying, and then open the card after analysis. Don't blindly open the card, distinguish the annual fee and payment date of the credit card, and avoid credit damage caused by excessive application times, improper management and failure to repay on time.
The Difference between Gold Card and Platinum Card of CITIC Bank Credit Card
Differences between Platinum Card and Gold Card of CITIC Bank;
First, the amount is different: the minimum amount of CITIC Bank Platinum Credit Card is generally 50,000 yuan, and the better the qualification, the higher the amount; The amount of gold card is between 6,543,8+0,000 and 50,000 yuan.
Second, the annual fee is different: the annual fee of the Platinum Card of CITIC Bank is generally higher than that of the Gold Card, and the Platinum Card usually does not participate in the annual fee-free policy, while the Gold Card can often reduce the annual fee by swiping the card for a certain number of times.
Third, the rights and interests are different: Platinum credit cards can often enjoy more rights and interests, such as aviation accident insurance protection and higher card loss protection.
There are eight credit cards of CITIC Bank, namely Puka, Gold Card, Titanium Card, Platinum Card, Black Gold Card, Diamond Card, Unlimited Card and World Card.
Which is better, a gold card or a platinum card?
First of all, I can tell you responsibly that platinum is definitely good. However, I will write you the conditions and benefits of two cards below. Gold card: Processing: Apply with ID card and deposit 200,000 yuan for 3 months. (You can't use it within 20W months) Offer: Enjoy the business VIP channel. There is a discount on the handling fee for gold card transfer and remittance. Platinum card processing: deposit 500,000 yuan first for 3 months. Other benefits are the same as the gold card: First, enjoy the VIP channel to handle business, and if there is a gold card owner, handle the business of a platinum card owner first. Second, after reaching a certain integral. Enjoy the VIP access at the airport. Third, there is also a discount for the transfer and remittance fee of Platinum Card.
Differences in application conditions: Generally speaking, banks will award gold cards to 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 get a gold card. Platinum card is the card issuer.
As far as ICBC is concerned, the significance of platinum card is far greater than that of gold card. There are various preferential rates, such as transfer fee, replacement card loss reporting fee. The annual fee is generally around 2000, and the investment amount of a gold card may be larger than that of a platinum card. The advantage is that the annual fee can be reduced if you spend 5 times a year or spend more than 5000 yuan.
This is the end of the introduction of CITIC credit cards. What do you think of CITIC credit cards? I wonder if you have found the information you need?