1. Air China Zhiyin Peony Credit Card
The basic information of Cosmos Bank’s cards is relatively complete, including VISA, MASTER, American Express, VISA and MASTER, and platinum cards, while others have ordinary cards. Annual fee for card and gold card: Gold card and regular card are exempted from annual fee in the first year, and the annual fee is waived for the following year by swiping 6 times. Platinum card is exempted from annual fee by spending RMB 200,000 (the official website does not indicate but it is basically the same as other platinum cards of Universe Bank, such as White cabbage). Redemption mileage ratio: 15:1
Benefits & Rights 1) All three cards are full-currency cards, and there is no currency conversion fee for any overseas consumption 2) The Platinum Card can receive a gift worth up to 4 million yuan Aviation accident insurance in RMB. When swiping the card to pay for the full commercial passenger public transportation ticket or a tour group fee of no less than RMB 80, the gold card can receive traffic accident insurance with a maximum value of 1 million yuan, and the ordinary card can receive traffic accident insurance of up to 1 million yuan. Traffic accident insurance with a maximum value of RMB 500,000 3) Air China Zhiyin Peony Credit Card customers can receive travel inconvenience insurance when they pay the full commercial passenger flight fare or a tour group fare of not less than RMB 80 by swiping their card. (Including flight delay insurance, baggage delay insurance, and baggage loss insurance), making customers’ journeys safer and more worry-free. Flight delay (more than 4 hours) insurance amount: domestic 500 yuan/time, overseas 1,000 yuan/time, cumulative 5,000 yuan/year; baggage delay (more than 4 hours) insurance amount: domestic 200 yuan/time, overseas 500 yuan/ times, the total amount for the whole year is 1,000 yuan/year; the insurance amount for lost luggage (more than 24 hours): domestic 500 yuan/time, overseas 1,000 yuan/time, the total amount for the whole year is 5,000 yuan/year.
Comments: Universe Bank has an extraordinary temperament. It is so generous that for N years of using the card, I have never received a call for any purchase. This is something that no bank can do. Even if you don’t do it based on this alone For an ICBC Air China co-branded card, you also need to apply for other cards from China International Bank.
2. Air China Zhiyin Long Card Credit Card
Basic information card organization: UnionPay Gold Platinum Card, MasterCard Platinum Card Annual fee: Gold card swiped 6 times to waive the annual fee, Platinum card swiped 10 times The annual fee is waived (annual fee terms are not written on the official website, and the number of card swipes is waived based on previous experience) Mileage redemption: Gold card 15:1, Platinum card 12:1
Benefits & Rights 1. Use the Zhiyin Dragon Card When you purchase air tickets, you can get aviation accident insurance of RMB 5 million with Platinum Card and RMB 1 million with Gold Card; 2. If your domestic Air China flight is delayed for more than 4 hours, you can get aviation delay insurance and baggage delay insurance (delay insurance will compensate you 200 RMB every 4 hours, general The maximum compensation for the card is 1,000 yuan, and the maximum compensation for other cards is 2,000 yuan. The compensation for baggage delay is 100 yuan every 4 hours, the maximum compensation for ordinary cards is 500 yuan, and the maximum compensation for other cards is 1,000 yuan) to provide cardholders with complete travel protection. 3. There are also some benefits like renting a car that are better than using UnionPay directly, which are much better than bringing your own.
Comments: The cards are all full-currency cards, and there is no currency conversion fee for overseas purchases. This is not bad. Nowadays, many banks have made some niche cards in order to distinguish card types and functions. Chengquan Bitong, this idea is great, the functions have selling points and the number of cards issued will increase. The UnionPay Platinum Card is very cost-effective. You can participate in all the events organized by UnionPay that require Platinum Cards (such as Hyatt hotels, such as one-yuan parking, one-yuan airport transfers), and you can even participate in UnionPay's own overseas card swiping activities to return Air China miles (this Any ordinary UnionPay single-label credit card can be used for this activity). If you just look at the cumulative ratio of what you want to apply for, MasterCard and UnionPay Platinum are both acceptable. It depends on your personal needs. If it were me, I would probably apply for UnionPay Platinum.