Relatively speaking, among the four major state-owned banks, Bank of China has a relatively low threshold for applying for a card, and it is famous for being able to apply for a card with just a few tricks. However, the credit limit of Bank of China is generally not very high, except if the user transfers a lot of cards. However, there are so many credit cards issued by credit card application platforms, which ones are worth applying for?
1. Great Wall UnionPay Platinum Card. Bank of China's classic card type, code 0001, also has two card faces: MasterCard Double Standard and Visa Double Standard. The annual fee is waived in the first year and is waived for 12 transactions. The main benefits include 2 times the points for overseas consumption; flight delay insurance pays 50 yuan for 2 hours, 1 yuan per minute for more than 2 hours, and 200 yuan for flight cancellation; as of December 31, those who meet the consumption standards can receive membership season. Card, each person is limited to 6 times; enjoy UnionPay platinum privileges.
2. Digital platinum credit card. BOC digital card, no physical card, fast approval. This card is also free of annual fees in the first year and free of charge for 12 transactions. Cardholders can enjoy benefits when applying for the card, including flight delay insurance, which pays 50 yuan for 2 hours, 1 yuan for every minute after 2 hours, and 200 yuan for flight cancellations; as of December 31, those who meet the consumption standards can receive membership season. Card, each person is limited to 6 times; enjoy UnionPay platinum benefits.
3. Great Wall UnionPay Diamond Card. Bank of China UnionPay’s top card, at the same time, there are also VISA Infinite Card and World MasterCard, with little difference in benefits. Here we only introduce the UnionPay Diamond Card. The annual fee is 3,600 yuan per year, and 400,000 points can be redeemed the following year; two supplementary cards can be applied for free. The main benefits enjoyed include unlimited Longteng rides, and you can bring 2 people with you at a time; 3 driving trips throughout the year; 2 airport/high-speed rail pick-ups; flight delay insurance paying 50 yuan for 1 hour, and every minute after 2 hours Compensation of 2 yuan, flight cancellation compensation of 200 yuan; 1 physical examination, 1 teeth cleaning, 1 road rescue, etc.
4. Beijing 2022 Winter Olympics-themed credit card. There are four types of cards in this series, namely Unbounded Card (invited users are required), Platinum Card, Gold Card and Air China co-branded Platinum Card, which can participate in UnionPay/visa dual-label activities. The platinum card is free of annual fees in the first year, and 12 transactions are waived; the gold card is free of charge in the first year, and 5 transactions are waived. Platinum-level flight delay insurance pays 50 yuan for 2 hours, 1 yuan for every minute after 2 hours, and 200 yuan for flight cancellations; the Winter Olympics Air China co-branded card can be redeemed for Air China miles and other benefits at a 12:1 ratio.
5. Air China co-branded platinum card. The Bank of China Platinum Card has a very low threshold, because there is no standard for the limit, so it can also be said to be a fake platinum card. For airline co-branded cards, the Platinum Card has a more cost-effective redemption ratio than the Gold Card, and the grace period is 5 more than that of the Gold Card. Oh my god, this is the advantage of Bank of China Platinum Card. The annual fee is 800 yuan/year, which is waived in the first year. In the second year, it will be waived if you make 12 card transactions and the limit exceeds 20,000 yuan. Points are automatically redeemed for mileage; China Eastern Airlines 15:1; China Southern Airlines 14:1; Air China 14:1; HNA Platinum 12:1; and you can enjoy insurance value-added services if you meet the consumption standards.
The above are the credit card recommendations from Bank of China that are worth applying for. Users can submit applications based on their actual needs and repayment abilities to avoid excessive borrowing and eventual inability to repay.