The overall rights and interests of HSBC's card sets are still relatively comprehensive, and online consumption is twice as rich. The movie consumption threshold of 2,000 yuan per month is not high. Even the UnionPay card with an annual fee-free life card can enjoy the platinum treatment of UnionPay. In addition, the hotel rights and interests, although the use methods and prices of the three cards are different at present, the hotel list is the same, among which Beijing Marriott/Hangzhou Shangri-La/Sanya Shangri-La is quite cost-effective, and whether to supplement the hotel list in the later stage is also the focus of attention.