I. China Merchants Bank
Most platinum cards of China Merchants Bank can be reduced or exempted if they meet certain conditions. For example, the annual fee of the classic platinum card can enjoy 10000 points, and the UnionPay platinum card is exempt from the annual fee in the first year, and the annual fee is exempted for 20 times in the following year when the consumption reaches 80,000.
Recommend two cards: China Merchants Bank's all-currency international credit card, the artifact of going abroad, free of currency conversion fee, free of annual fee, the first gift; However, China Merchants Bank respects Platinum installment credit card, and the single-period rate is as low as 0.66%. The annual fee of the main card is 800 yuan, and the annual fee is exempted in the first year. Spending 80,000 yuan in that year, 20 times, free of annual fee in the following year.
China Merchants Bank Full Currency International Credit Card (VISA): 0 currency exchange fee for any foreign currency consumption.
China Merchants Bank Zunshang Platinum Installment Credit Card: the lowest one-time rate is 0.66%, and the annual fee is free in the first year.
Two. Guangdong Development Bank
Guangfa is the only platinum card that can enjoy annual fee reduction in some way. Normal annual fee 480 yuan/year.
The annual fee-free policy of Guangfa Shang Zhen Platinum Card is as follows:
Annual fee for the first year-within 90 days after the issuance of the card, the annual fee for the first year can be waived if there are more than 3 transactions in 88 yuan.
Annual fee for the next year-brush 12 in the current year to reduce the annual fee for the next year.
It should be noted that activating 480 yuan will deduct the annual fee for the first year. The card will be returned within 15 working days after it is issued 90 days.
Remind everyone to remember to pay back, so as not to cause bad records such as overdue.
Self-service channels can enjoy three-phase fee concessions in stages.
Three. China Citic Bank
Standard Platinum Card: 450,000 points to offset the annual fee of the next year or 220,000 points plus 65,438+0,000 yuan to offset the annual fee of the next year.
Elite Platinum Card: 60,000 points to the annual fee of next year or 30,000 points plus 240 yuan to the annual fee of next year.
Some platinum cards can't avoid annual fees in the first year, and the points in the second year can be exchanged for annual fees.
I recommend the Platinum Card of China CITIC Bank. The annual fee is 480 yuan/year.
Preferential policy of annual fee: annual fee is free in the first year. If you swipe your card (including cash withdrawal) 12 times during the year, you can waive the annual fee for the next year, or you can exchange 60,000 points for the annual fee for the next year. 12 credit card spending is not limited.
Special rights: 1, VIP boarding courtesy; 2. Cumulative points of online transactions; 3, IMAX 50% off the movie; 4, 2 hours flight delay compensation 1000 yuan; You can also get more benefits every month: three times to share the benefits, two wonderful 365, two times to watch movies in 9 yuan and so on.
The key is that this platinum card is also easy to handle. You can apply if you meet the requirements of the gold card. The monthly salary is over 5,000. If the credit record is good, the card issuance rate is high.
Four. Agricultural Bank of China
I recommend ABC Worry-Free Platinum Card. The annual fee standard is 880 yuan/year.
Preferential policy of annual fee: the annual fee in the first year is automatically free, and the annual fee in the second year is free if you spend 12 times in that year.
Characteristic rights and interests: 1. Eight fees, such as withdrawal of excess repayment fee, loss reporting fee, password reset fee, bill printing fee, production fee, transaction dispute adjustment fee, emergency handling service fee and SMS notification fee, are exempted; 2. Enjoy the credit card theft insurance of up to 50,000 yuan for free; 3. Send 3 expert appointment services free of charge, which can be used in more than 500 3A hospitals nationwide; Drunk driving service five times a year, 4666 points.
Agricultural Bank of China You Ran Platinum Credit Card: 1 yuan airport parking service
Verb (abbreviation of verb) China Construction Bank
There are generally three kinds of annual fee-free policies for platinum cards of CCB: annual fee-free in the first year, and annual fee-free in the following year after swiping the card three times; Credit card 18 times is exempt from the annual fee of the current year; Credit card 10 times is exempt from the annual fee of the following year.
CCB has "peer" travel platinum cards from Europe, Japan, South Korea, Hong Kong, Macao and Taiwan, which is worth recommending. The first platinum card of CCB World Travel Service was launched, and the annual fee standard was 160 yuan/year.
Annual fee-free policy: annual fee-free in the first year, and annual fee-free in the following year after three swipes.
Exclusive rights and interests: generous travel fund, double points feedback and comprehensive travel protection.
China Construction Bank World Travel Credit Card: A Rich Travel Fund
6. Bank of China
China Bank Platinum Card annual fee can generally be redeemed by points. Different cards require different points, including 6.5438+10,000,400,000 and 800,000.
BOC Great Wall Global Travel Card is recommended, and the annual fee is 800 yuan/year.
Annual fee waiver policy: 654.38+ million points offset the annual fee of the following year.
Exclusive rights and interests: cash back from designated merchants in Japan, South Korea, Hong Kong, Macao and Taiwan, interest-free and fee-free installment payment in Hong Kong, and annual preferential treatment for scenic spots/merchants.
Bank of China Great Wall Global Connect Platinum Credit Card: 2% cash for a single transaction of RMB in 500 yuan.