TOP1: China Merchants Bank Classic Platinum Credit Card (Credit Card)
Reasons for the list:
The most popular platinum card, with consistent benefits and benefits, it is the only one that can be called A platinum card that deserves the word "classic". Needless to say, in terms of benefits, it is one of the favorites of wool people. Most of the benefits are available, and the annual fee is paid on your birthday.
1) “30100” high-end hotel rights for 4+2 room nights per year;
2) 6 airport VIP lounge services per year;
3) 1 free oral care service and 1 physical examination service per year (transferable);
4) Points exchange for miles: 1,500 points can be exchanged for 2,000 Air China, China Eastern Airlines, and China Southern Airlines miles, 1,800 points can be exchanged for 2,000 Asia Miles, 50,000 mileage per account per year;
5) Aviation accident insurance up to 15 million yuan, travel inconvenience insurance up to 2,000 yuan (including flight delay insurance)
TOP2: Guangfa Bank DIY Credit Card (loan Debit card)
Reason for being on the list:
New customers of Guangfa DIY Credit Card (debit card) can enjoy 6% cash back, up to 240 yuan. 3 times the transaction points for designated merchants (catering, hotel accommodation, business travel and entertainment, etc.) + gold card level can easily have the limit of platinum card level of other banks + points can be directly exchanged for repayment-free spending (equivalent to cash)
TOP3: Ping An Bank Travel Platinum Credit Card (Credit Card)
Reasons for being on the list:
The first choice for collecting wool, the best domestic cash back card, starting price is 30,000, available at designated merchants There is 1% cash back for consumption under the category, with a maximum cash back of 1% of the fixed amount per bill per month, with a maximum limit of 500 yuan, and the cash back is perfectly stacked with most activities, and the threshold is not particularly high. If you can dual-hold it with Dabai, It's a lot of fun if you play around. It's just that it was shut down in an emergency in 2018, making travel a thing of the past. It's a pity for cardholders who got on the bus late. I hope it can be reopened in 2019.
TOP4: Agricultural Bank of China Youran Platinum Credit Card (debit card)
Reasons for being on the list:
The card has a pair of beautiful and elegant wings, and the Agricultural Bank of China Little Platinum Card, as A small platinum card with no annual fee and good health benefits. The annual fee for the first year is waived, and the annual fee for the next year is waived if you swipe the credit card 12 times; health rights: free expert appointment registration and full accompanying medical services provided three times a year: expert recommendation and appointment registration are provided; a dedicated person accompanies medical treatment , we will help you get your number, adjust prices, collect medicines, assist with payment, etc. The hospitals served include most tertiary hospitals in major cities. The Agricultural Bank of China’s increase quota is also very impressive.
TOP5: Bank of Communications Platinum Credit Card (debit card)
Reasons for being on the list:
The ancients believed that "wherever the unicorn appears, there must be auspiciousness." Carry a card with you, and its beautiful meaning is self-evident. Regardless of whether there is a rigid annual fee or not, as long as the value of the card far exceeds the annual fee and even exceeds your expectations, it is enough to be worthy of the word "platinum". Bai Qilin's annual fee is 1,000 yuan, which should be a very conscientious platinum price. And it’s easy to get deductions and exemptions.
1) "Ward Fortune" airport VIP lounge service at the airport: The main cardholder can enjoy the "Ward Fortune" airport VIP lounge service 6 times, and the three supplementary cardholders can enjoy 6 times each. "Ward Fortune" airport VIP lounge service;
2) Airport Longteng VIP lounge privileges: the main card holder can enjoy 6 times of Longteng VIP lounge service, and the three supplementary cardholders can enjoy 6 times of Longteng VIP hall service VIP lounge service;
3) Drinking and driving service: In more than 70 cities across the country, 50 kilometers/time drinking and driving service can be enjoyed 6 times a year;
4) Points can be redeemed for mileage: Airline miles (Air China, China Eastern Airlines, China Southern Airlines, Hainan Airlines, Asia Miles) can be redeemed at a ratio of 18:1, with a maximum limit of 300,000 miles in total per year (the maximum mileage redemption point limit for all airlines is 540W/year).
TOP6: Shanghai Pudong Development Bank American Express Platinum Credit Card (credit card)
Reasons for being on the list:
AE Bai has been selected as the most cost-effective card for three consecutive years. Well deserved, excellent recommendation. The first-year annual fee is waived, and 200,000 points can be used to offset the second-year annual fee.
1) Exclusive luxury accommodation experience: 50,000 points can be redeemed for luxury hotels, and hotel rights can be redeemed twice during the event;
2) Free domestic airport pick-up and drop-off rights: more than 40 points can be enjoyed Enjoy free airport pick-up and drop-off services in major cities, 4 times a year;
3) Priority Pass airport VIP lounge benefits: Principal cardholders can enjoy unlimited Priority Pass airport VIP lounge services, all You can travel with 7 companions for free per year;
4) Points can be redeemed for mileage: 12:1 ratio for airline miles (Air China, China Eastern Airlines, China Southern Airlines, Hainan Airlines), with a maximum limit of 100,000 miles in total per year (the upper limit for Hainan Airlines is A total of 60,000 miles per year);
5) Until June 30, if you book a Shangri-La hotel room in the country in advance, you can enjoy the second night of free extension. The activity period is limited to 5,000 room nights, and you can enjoy up to 2 Secondary rights;
6) Just use the Shanghai Pudong Development Express Platinum Card to pay in full for more than 70% of the air tickets or tour fees for yourself, your spouse, and your children, and you can enjoy up to 15 million in aviation accidents Insurance and travel inconvenience insurance of up to 5,000 yuan; the Reliable Flying activity is over;
7) Domestic and international medical and travel rescue services, etc.
TOP7: Bank of China Monet World Credit Card (debit card)
Reason for being on the list:
The most popular card type, so many waves are known to be released. The trend of Monéca is indeed true. The approved card limit is high, and the UnionPay Platinum Card will be issued at the same time and the annual fee will be waived (first application).
Road
TOP8: Bank of Communications Youyi Platinum Credit Card (Credit Card)
Reasons for being on the list:
Once Xiao Platinum was launched It is widely praised. It has some benefits of the Platinum Card, and the application threshold is slightly lower than other Platinum Cards. The benefits of Platinum Card are entry-level. There is no annual fee for swiping 6 times a year, and the exchange of points for miles is the same as that of Bai Qilin. VIPs at branches; VIPs at overseas airports; Asia-Pacific visas; premium points; the hottest Friday; instant gas discounts.
TOP9: Guangfa Bank Zhenshang Platinum Credit Card (Credit Card)
Reasons for being on the list:
Good looks, the legendary high-speed rail white, taking the high-speed rail A must-have artifact for everyone, it is worth it for high-speed rail VIP privileges, triple points for business travel and overseas purchases, and redeeming points for airline miles. The highlight is that the annual fee is waived! You can also apply for an additional card, which has the same benefits as the main card.
TOP10: Bank of Communications Walmart Credit Card (Debit Card)
Reasons for the list:
Regardless of whether it is a gold card or a regular credit card, you can swipe a credit card (debit card) in a Walmart store All are cash back. 100,000 points accumulated outside the store can be exchanged for nearly 1,000 yuan in credit card (debit card) deposits. It is a big deal. Many cardholders who have the White Kirin Card will return to apply for the Walmart Card. It is the most popular card type for transportation. First, the application threshold is low.