Take Bank of Communications China Eastern Airlines co-branded credit card as an example to calculate which bank credit card is the most cost-effective and which airline co-branded credit card is the most worthwhile.

Gold card: every 12 Bank of Communications points can be exchanged for one Oriental Miles point.

Credit card processing fee: 58 12 merchants, of which the channel fee is charged by the issuing bank. In this case, if you spend 10000 yuan, Bank of Communications can get 90 yuan's handling fee, while users get 833 Oriental Miles points, and Bank of Communications needs to spend RMB.

In this way, after UnionPay reduces the card processing fee, the normal exchange rate in the market can still be kept below 12: 1, and the aviation co-branded cards that can easily avoid annual fees are all living Lei Feng! I hope they can live long!

Before changing the scale, please name the following cards:

Societe Generale and China Eastern Airlines jointly sign a titanium gold card (10: 1, with an annual fee of 3w).

China Construction Bank Air China Co-branded Platinum Card (12: 1, credit card 18 times a year, free of annual fee).

Xingye China South Co-branded Platinum Card Elite Edition (12: 1, annual fee 3w).

Bank of Communications China Eastern Airlines Co-branded Card (12: 1)

In addition, BOC Air China co-branded cards are not counted as points for a large number of livelihood merchants. Although its nominal ratio is 12: 1, it has not been introduced.