China Merchants Bank's high-end credit cards include:
the centurion black gold card
Centurion Black Gold Card (Version 20 12)
Unlimited credit card
Diamond credit card
Centurion platinum card
Classic platinum credit card
Free lifetime platinum credit card
Premium Platinum Credit Card
UnionPay Platinum Credit Card
All-currency international platinum card
No bad news is good news.
Shuai Shuai, a fan of China Merchants Bank, holds two high-end cards of China Merchants Bank: the Classic Platinum Card and the Centurion Platinum Card, of which the Centurion Platinum Card needs to pay an annual fee of 3,600 yuan, which is also the highest annual fee in Shuai Shuai.
Why does Shuai Shuai have a soft spot for China Merchants Bank's credit cards? The reason is simple: the rights and interests are stable. Unlike some banks that attract cardholders by increasing their card rights in a short period of time, and then carry out a wave of "warm upgrades" across the board, they staged a perfect "cutting leeks" drama. Although the credit card rights of China Merchants Bank are adjusted occasionally, it will not hurt the bones and have little impact on cardholders.
Among these high-end cards, in addition to ultra-high-end cards (unlimited credit card and centurion black gold card), the most popular and worth buying are: classic platinum card, diamond credit card and centurion platinum card. Life platinum is now the main push of China Merchants Bank, so it is barely among the hot spots.
Comparison of rights and interests of these four popular cards:
Many friends asked Shuai Shuai to recommend China Merchants Bank's credit card, and Shuai Shuai would be the first to recommend the classic platinum card. The word "classic" is not called for nothing. The classic platinum card is really "classic".
Annual fee: 3600 yuan, convertible 10000 permanent points.
Sign up for the birthday ten-fold bonus activity, and spend 20,000 yuan to get 10000 permanent bonus. If the salted fish scheme is adopted, the actual cost is only 200 yuan. In other words, the holding cost of the facade platinum of China Merchants Bank is only 200 yuan, which should be regarded as the lowest among other bank cards of the same grade.
In terms of rights and interests, it is still good:
China Merchants Bank operates its own VIP lounge at the airport, six times a year, which can be deducted.
Wash your teeth once a year;
Physical examination, 1 time/year or TCM consultation, 2 times/year;
"300 selected hotels" VIP price reservation, 6 times/year;
Golf driving range, 12 times/year;
Delay insurance (fixed 600 yuan for 3-5 hours, air ticket compensation for more than 6 hours, up to 2,000 yuan);
150000 aviation accident insurance.
If the equity is converted into cash, the appropriate value is several thousand. We can own the above equity only by paying 200 yuan's card handling fee every year. Of course, the most important point is that the classic white "classic" is reflected in the stability of its rights and interests.
Shuai Shuai has been playing cards for several years. Over the years, many kinds of high-end cards have declined. The main reason is the "warmth" of rights and interests. AE Xiaobai of Shanghai Pudong Development Bank before, and "Three Blacks" of China Bank after. However, the rights and interests of classic platinum cards have not changed much in recent years, and occasional small adjustments do not affect the use. Don't forget that your initiative is valuable and is its classic.
The positioning of China Merchants Bank's high-end card is very clear, so it is very friendly to friends with selective phobia:
Do not want to bear the pressure of annual fee, but also want to enjoy the rights and interests of high-end credit cards, choose classic white;
Willing to bear the annual fee, travelers have higher requirements for the quality of life, and choose Centurion Platinum;
There is a baby at home and there is a need to take the baby to travel. Choose unionpay diamond card.
Although China Merchants Bank announced the extension of the rights and interests of high-end cards, we should not ignore one point: some rights and interests of high-end cards are cyclical! For example, the equity of "300 selected hotels" expires on June 30th every year.
Due on June 30th, July 1 will be refreshed as the number of times this year, so if there are still unused times before June 30th, hurry up.
You don't need to check in before June 30th. This is the right expiration time, not the check-in time. "300 selected hotels" can generally book hotels within two and a half months. For example, if we make a reservation now, we can make a reservation at
Of course, not all rights will expire on June 30th. Some rights and interests are calculated according to the annual review card, such as "health check".
The medical examination of China Merchants Bank's high-end card is allowed to be transferred to others. We just need to select "transfer to others" in the reservation interface. Very suitable for home use.
If you don't need it at home, you can also adjust a fish. The transfer price is almost 100 yuan. If you don't use it after the expiration date, it will be wasted properly.
In addition, the rights and interests such as tooth cleaning and golf are not mentioned. The validity period of the rights and interests is also based on the year of the nuclear card. It's about to expire, so use it quickly.
Finally, if you think the card is too high-end to use a lot of rights, you might as well get a centurion card free of the annual fee of six years. You can apply before June 30th and stay at the Hilton Hotel for one night. You can enjoy half-price accommodation at Hilton Hotel six times a year, and other benefits are also good:
God card is god card! 50 Hilton hotels are free to stay.
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