I. Ping An Bank

Advantages:

1, the annual fee for the first year is exempted, and the annual fee for the second year is exempted after five swipes;

2. SMS service is free;

3. The withdrawal fee is only1%;

4. The loss reporting fee is only in 50 yuan;

5. There are many exits.

Disadvantages: there are few types of credit cards; Card processing procedures are relatively cumbersome; Less points can be exchanged for gifts.

Second, China Merchants Bank.

Advantages:

1, free of annual fee in the first year, and free of annual fee in the second year after brushing for six times;

2. SMS service is free;

3. Report the loss of 60 yuan;

4, integral gifts are better.

Disadvantages: the withdrawal fee is 3%; There are fewer outlets.