Up to now, there are six kinds of ICBC Platinum Credit Cards, including Peony Platinum Credit Card (UnionPay standard), Zunshang Platinum Credit Card (UnionPay brand), Peony Platinum Credit Card (Visa brand), Peony Platinum Credit Card (MasterCard brand), Peony Platinum Credit Card (American Express brand) and ICBC Express Centurion Platinum Card. Which of the six platinum credit cards is the best? How should I choose?
I. ICBC Platinum Credit Card Annual Fee Preferential Service
1, Peony Platinum Credit Card (UnionPay standard)
If the accumulated credit card spending of this account reaches 200,000 RMB or its equivalent amount in the year when you use the card (excluding online consumption, house purchase, car purchase, wholesale, public welfare and other businesses that ICBC deems unable to accumulate points), our bank will take the initiative to reduce the annual fee of the main and secondary cards for you this year.
If the accumulated credit card spending of the account in that year does not reach 200,000 yuan or its equivalent amount (excluding online consumption, house purchase, car purchase, wholesale, public welfare and other businesses that ICBC has determined cannot accumulate points), you can exchange credit card points for annual fees. One-year annual fee for convertible platinum card with accumulated credit card points of 654.38+0.4 million; One-year annual fee for a convertible Platinum supplementary card with credit card points of 70,000 points, and the points can be exchanged for multi-year annual fees at one time.
Platinum card customers spend RMB 4 million or its equivalent (excluding online consumption, house purchase, car purchase, wholesale, public welfare and other businesses that can't accumulate points) and the accumulated points of credit cards reach RMB 4 million, the main and secondary cards can be given permanent annual fee-free concessions.
2. Peony Platinum Credit Card (Visa brand), Zunshang Platinum Credit Card (UnionPay brand), Peony Platinum Credit Card (MasterCard brand) and Peony Platinum Credit Card (MasterCard brand) services.
If the accumulated credit card spending of this account reaches 200,000 RMB or its equivalent amount in the year when you use the card (excluding online consumption, house purchase, car purchase, wholesale, public welfare and other businesses that ICBC deems unable to accumulate points), our bank will take the initiative to reduce the annual fee of the main and secondary cards for you this year.
If the accumulated credit card spending of the account in that year does not reach 200,000 yuan or its equivalent amount (excluding online consumption, house purchase, car purchase, wholesale, public welfare and other businesses that ICBC has determined cannot accumulate points), you can exchange credit card points for annual fees. One-year annual fee for convertible platinum card with accumulated credit card points of 654.38+0.6 million; One-year annual fee for convertible platinum supplementary card with accumulated credit card points of 80,000 points, and the points can be exchanged for multi-year annual fees at one time.
Platinum card customers spend RMB 4 million or its equivalent (excluding online consumption, house purchase, car purchase, wholesale, public welfare and other businesses that can't accumulate points) and the accumulated points of credit cards reach RMB 4 million, the main and secondary cards can be given permanent annual fee-free concessions.
Two, ICBC Platinum Credit Card six kinds of fee concessions
The service fee concessions of Peony Platinum Credit Card (UnionPay standard), Zunshang Platinum Credit Card (UnionPay brand), Peony Platinum Credit Card (Visa brand) and Peony Platinum Credit Card (American Express brand) are reflected in the exemption of six categories of service fees. As a platinum card customer, you will enjoy the following privilege of fee reduction and exemption: fees for withdrawal and transfer in different places in China, fees for deposit and withdrawal and transfer in different places in China, fees for bill adjustment, fees for bill supplement, fees for letter express delivery and fees for loss reporting.
Peony Platinum Credit Card (MasterCard brand) is free of eight categories of service charges. As a platinum card customer, you will enjoy the following privilege of fee reduction and exemption: fees for withdrawal and transfer from different places in China, fees for deposit and transfer of domestic cards from different places to your own credit card, fees for bill adjustment, fees for express mail, fees for loss reporting, fees for loss reporting of PP cards and fees for replacement of PP cards.
What does UnionPay Platinum Card mean?
UnionPay Platinum Card is generally a credit card jointly launched by bank card organizations and commercial banks. This kind of credit card has a high level, and users need to submit good information when applying, such as personal income certificate and good credit information. It should be noted that this kind of card contains many rights and interests, and the annual fee is generally not reduced when used, so special attention should be paid when applying.
Credit cards can be applied through mobile banking, bank counters, bank official website and other different channels. And the credit lines obtained by different channels will be different. In addition, it is the fastest to apply for a card through the bank in official website, but the online application requires a face-to-face visa.
You can activate the credit card application after you get the card. You can choose different channels when activating, such as telephone banking, mobile banking, bank counters, etc. When activating, you need to set the transaction password and inquiry password, which can be the same.
The credit card must be repaid on time after use, and there can be no overdue repayment, because there will be penalty interest after overdue repayment, and the longer the time, the more penalty interest. Moreover, after overdue repayment, the bank will upload it to the credit information center, and personal credit information will affect the handling of various loans, such as car loans or mortgages.
What is the standard platinum card of Minsheng UnionPay?
Minsheng UnionPay Standard Platinum Card is a digital credit card product jointly launched by China Minsheng Bank and China UnionPay. This product is based on the concept of "convenient application and immediate activation" and around the rights system of "unlimited payment" to create a safe and fast digital experience.
Compared with the traditional bank card, the biggest advantage of "card" is that it can be applied online, bound with one button and managed conveniently. Users can operate online on multiple platforms such as China UnionPay Express APP, commercial bank APP or mobile phone manufacturer's wallet, and they can quickly apply for cards in just a few simple steps. Take the application and opening of China UnionPay Express APP as an example;
The opening process is simple and the approval time is seconds. After successful application, it fully supports financial functions such as wealth management, consumption and payment, and can bind merchant apps such as JD.COM and Du Xiaoman with one click to meet the consumption needs of various scenarios. At the same time, the card also supports "card-code integration", which can be flashed or scanned by mobile phone, and the payment method is flexible.
In addition, users can also view and manage UnionPay card transactions in real time in applications such as China UnionPay Express APP.
This time, China UnionPay developed the first digital bank card product with the support of all parties in the industry, which is a new attempt to promote the digital upgrade of payment services, and also helps to promote the coordinated development of various mobile payment products with China UnionPay Express APP as the core and in line with the unified standards of the banking industry, and its wide application in important convenience scenarios.
Universal and fair
UnionPay cards are issued simultaneously at home and abroad, supporting the use scenarios of global UnionPay standards. At present, Jiangsu Bank, Weizhong Bank and other 17 national commercial banks, some regional banks and Internet banks will join the first batch of pilot projects.
It is understood that from now on, cardholders can apply for cards in succession through the UnionPay card area of China UnionPay Express APP and the commercial bank APP, and they can also enjoy the digital gift certificate of 50 yuan Shang Chao through the application of China UnionPay Express APP, and deduct cash when shopping in supermarkets such as Wal-Mart, Carrefour and the whole family.
In addition, UnionPay card also provides users with rich exclusive card rights covering the whole world. Including:
Membership rights and interests: There are more than six transactions every quarter, and there are also popular membership rights and interests such as JD.COM Plus members, Tencent Video VIP members, Zhihu Salt Selection members, and Keep members.
Public payment rights and interests: Cardholders can recharge, pay and repay through China UnionPay Express APP mobile phone, and enjoy monthly reduction concessions;
Shang Chao gift certificate rights: fully open the card and enjoy the merchant's super convenient deduction coupon, which is worth 50 yuan;
Protection of rights and interests by card: after successful insurance, the cardholder can get the highest amount of stolen brush loss insurance of 30 thousand yuan for free, which gives more security to the account;
UnionPay consumption courtesy in domestic and overseas business circles: Cardholders can enjoy UnionPay consumption courtesy covering domestic and overseas business circles, including full discount for hotels in Trip.com, free cup promotion for Starbucks in Hong Kong and Macao, ticket discount for Yicang Art Museum, cross-border cash back, "excellent plan" discount and other benefits.
How to activate the standard platinum credit card (debit card) of Bank of Shanghai UnionPay?
First, the customer service phone is activated.
1, call the customer service number of Shanghai Bank Credit Card (Debit Card) 95594;
2. According to the voice reminder, enter the ID number and credit card number when applying;
3. Verify the information reserved during the application, and if the information is correct, continue the operation;
4. Set the inquiry password and payment password, and the credit card (debit card) is activated successfully.
Two. Shanghai bank counter opens
1. Use the credit card (debit card) and ID card of Shanghai Bank to activate the credit card (debit card) at the business outlets of Shanghai Bank;
2. Set the password consumption mode, and set the corresponding credit card (debit card) inquiry password and consumption password;
3. After signing for confirmation, your credit card (debit card) will be successfully activated.
Credit card CCB joy card C marked white is what card?
CCB Longzhiyue Credit Card is an exclusive credit card issued by CCB for young customers under 35 years old. Cards are divided into UnionPay standard platinum card, VISA standard platinum card, MasterCard standard platinum card, JCB standard platinum card and UnionPay gold card (student version). The customer's CCB joy card C standard white is a CCB UnionPay standard platinum credit card.
If you have any other questions, please contact the official account of "China Construction Bank Customer Service" WeChat for consultation.
(In case of business changes, please refer to the actual situation. )
The launch of UnionPay standard platinum credit card and UnionPay standard RMB platinum credit card ends here. I wonder if you found the information you need from it?