Personally, if you like shopping and food and watch movies occasionally, then China Merchants Bank is very good, but your quota will not be very high at first. You can enjoy a half-price discount on food by swiping your card in Xi 'an every Wednesday, which is very affordable. Basically, you can enjoy a half-price discount for watching movies all the year round, and you can also enjoy a discount for refueling. But shopping is average, and there are few discounts. The condition for getting a card is to show proof of income. You can apply for a card at home or online. I hope I can help you.