Which Air China credit card is better? Zhiyin Peony Card VS Zhiyin Dragon Card
If you often travel for business and fly, you may consider getting an Air China co-branded card. This card is very cost-effective in terms of mileage redemption, and can also be redeemed for free air tickets. Here we have selected two good ones from many airline cards, Air China Zhiyin Peony Credit Card and Air China Zhiyin Dragon Credit Card. As for which one is better, it depends on how you choose.
1. Air China Zhiyin Peony Credit Card
Basic information
Universe Bank’s cards are relatively comprehensive, including VISA+MASTER+Express card organizations, VISA and MASTER There is a platinum card, and others have regular and gold cards
Annual fees: Gold and regular cards are exempt from annual fees in the first year, and swiping 6 times will waive the annual fee for the next year. Platinum cards will waive annual fees for 200,000 yuan (official website) There is no prompt, but it is basically the same as other Platinum cards of Cosmos, such as Brassica).
Redemption mileage ratio: 15:1
Welfare rights
1) All three cards are full-currency cards, and there is no currency conversion fee for any overseas consumption< /p>
2) The Platinum Card will receive aviation accident insurance worth up to RMB 4 million.
When swiping the card to pay for the full commercial passenger public transportation fare or no less than 80% of the tour group fare, the gold card can receive transportation worth up to 1 million yuan. Accident insurance and ordinary cards can receive traffic accident insurance worth up to RMB 500,000
3) Air China Zhiyin Peony Credit Card customers pay the full commercial passenger flight fare for themselves by swiping the card or not less than RMB 80 When you pay % of the tour fare, you will receive travel inconvenience insurance (including flight delay insurance, baggage delay insurance, and baggage loss insurance), making customers' journeys safer and more worry-free.
Flight delay (more than 4 hours) insurance amount: 500 yuan/time domestically, 1,000 yuan/time overseas, cumulative total of 5,000 yuan/year;
Luggage delay (more than 4 hours) ) Insurance amount: 200 yuan/time domestically, 500 yuan/time overseas, cumulative 1,000 yuan/year throughout the year;
Insurance amount for lost luggage (more than 24 hours): 500 yuan/time domestically, 1,000 yuan overseas /times, the total amount for the whole year is 5,000 yuan/year.
Comments: Universe Bank has an extraordinary temperament. It is so generous that in the N years of using the card, I have never received a single call for any purchase. This is something that no bank can do. Even if you don’t do it based on this alone For an ICBC Air China co-branded card, you also need to apply for other cards from China International Bank.
2. Air China Zhiyin Long Card Credit Card
Basic information
Card organization: UnionPay Gold Card + Platinum Card, MasterCard Platinum Card
Year Fees: No annual fee for swiping Gold Card 6 times, no annual fee for Platinum Card 10 times (annual fee terms have not been written on the official website, the number of swipes is based on previous experience)
Mileage redemption: Gold Card 15:1 , Platinum card 12:1
Welfare rights
1. Use the Zhiyin Dragon Card to purchase air tickets, and you can get aviation accident insurance of 5 million yuan for platinum cards and 1 million yuan for gold cards;
2. If your domestic Air China flight is delayed for more than 4 hours, you can get air delay insurance and baggage delay insurance. (Delay insurance will compensate you 200 yuan every 4 hours, the maximum compensation for regular cards is 1,000, and the other cards will compensate you up to 2,000. Baggage delay insurance will compensate you 200 yuan every 4 hours. Compensation is 100 yuan (up to 500 yuan for regular cards, and up to 1,000 yuan for others) to provide cardholders with complete travel protection.
3. There are also some benefits similar to renting a car that are better than using UnionPay directly, which are much better than bringing your own.
Comments:
The cards are all full-currency cards, and there is no currency conversion fee for overseas purchases. This is not bad. Nowadays, in order to distinguish card types and functions, many banks They are turning some niche cards into all-currency cards. This is a great idea. If the functions are selling points, the number of cards issued will also increase.
The price/performance ratio of the UnionPay Platinum Card is very good. It can be used in all UnionPay-organized programs that require platinum cards (such as Hyatt hotels, such as one-yuan parking, one-yuan airport transfers), and even UnionPay's own overseas credit cards can be used to return Air China miles. You can also participate in the event (this event is accepted by ordinary UnionPay single-label credit cards).
If you just look at the cumulative ratio, MasterCard and UnionPay Platinum are both acceptable. It depends on your personal needs. If it were me, I would probably apply for UnionPay Platinum.
What are the advantages of BOC Air China Zhiyin credit card products?
Air China Zhiyin BOC Credit Card Product Advantages:
1. MileagePlus Points Program: Points from the co-branded card will be accumulated into the "MilePlus Points Program" of the co-branded card, and will be distributed every month It will be automatically converted into Air China miles on the statement date and automatically transferred to the cardholder's Air China Miles membership card and combined with the existing Air China miles. The redemption standard is 1 kilometer of Air China miles for every 18 points.
2. Colorful Gifts Points Program: In addition to the above-mentioned "MileagePlus Points Program", cardholders will also receive an additional 50% bonus points from us and accumulate them into the "Colorful Gifts Points Program". These points can be redeemed by cardholders for generous point gifts.
3. Air China employees do not enjoy the automatic mileage redemption service of the "MileagePlus Points Program". 150% of the points are accumulated in the "Colorful Gifts", and they can independently initiate the redemption of "BOC Points 365" Points gifts in.
4. The automatic redemption of MileagePlus Points points for Air China mileage service is only provided to the principal and supplementary cardholders of Air China Zhiyin BOC Credit Card, and the mileage will be credited to the principal and supplementary cardholders respectively ( For some supplementary cards that have added airline membership numbers in the early stage) to their respective Air ChinaMiles member accounts, the Air ChinaMiles member account is the Air ChinaMiles member embossed on the front of the Air ChinaMiles BOC credit card.
5. Air China Zhiyin BOC Credit Card holders can combine the "Colorful Gifts" points with the points of all BOC credit card products under their name for redemption.
Warm reminder: The preferential rights and interests will be adjusted at any time according to business development and market changes. Please refer to the actual product promotion.
The above content is for your reference, please refer to actual business regulations.
If you have any questions, please feel free to consult Bank of China’s online customer service.
You are sincerely invited to download and use Bank of China Mobile Banking APP or Bank of China Cross-border GOAPP to handle related businesses. [img]
How to choose an airline co-branded credit card?
You still have to choose based on your favorite destination. Otherwise, no matter how many routes there are, there is no point in accumulating miles if there is no place you want to go.
1. The best ratio at present-Agricultural Bank of China airline co-branded card
Agricultural Bank of China’s airline co-branded card is divided into platinum card and gold card. The gold card is the first choice because the application threshold is low, it can be swiped 6 times, and there is no card holding cost.
There are currently six of them, and the cooperation partners include Air China, China Eastern Airlines, Hainan Airlines, China Southern Airlines, Xiamen Airlines, and Jilin Airlines. Except for Jilin Airlines, the redemption ratio of China Eastern Airlines, Air China, Hainan Airlines, China Southern Airlines and Xiamen Airlines is 15:1. Currently, points can be added to 2 times the membership level, and the overall ratio is 7.5:1.
This month, the 5x bonus points for the "Love Together" credit card of the Agricultural Bank of China have not been renewed. Friends are complaining, feeling that the Agricultural Bank of China's airline co-branded cards are over, especially some friends who only purchased the card at the end of June. Hesitating about canceling the card? No need. Even without the 5x points bonus, the 7.5:1 ratio is still better than most airline co-branded cards with no annual fee. So, what else do you have to complain about?
The 2x points rights for members of the Agricultural Bank of China Credit Card can be enjoyed unconditionally by all credit card users (you need to collect the rights manually, the path is: "Agricultural Bank of China Credit Card" applet - click on the membership level at the top - member rights - Double points).
If you work hard and upgrade to diamond level, you can receive 5 times the points, achieving a comprehensive ratio of 3:1. Of course, for most friends, it is difficult to reach diamond level, so you can get 2 times the points if you play Buddhist level.
If the qualifications are acceptable, then the Agricultural Bank of China airline co-branded platinum card is also a rare and good card. Except for the Juneyao co-branded card, the redemption ratio of China Southern Airlines is 13:1, and the redemption ratio of other airlines is 12:1. 1. With 2x points bonus, China Southern Airlines’ score is 6.5:1, and other airlines’ score is 6:1.
Other benefits, such as CIP services, are basically the same as ordinary Grand Platinum Essence White.
The annual fee is 880 yuan/year, which is rigid in the first year, and the annual fee is waived for the next year after spending 30 transactions. Note that the annual fee waiver for the first year is still valid. If you have more patience and make more customer service calls, you can save 880 yuan.
I can’t find a second airline co-branded card with no annual fee for 30 swipes and a ratio of 6:1 (except for some cards from local banks).
Related reading: How to play the co-branded platinum card of Agricultural Bank of China and Airlines (please automatically exclude the 5x points part).
2. The best value for money - Industrial Bank China Eastern Airlines, China Southern Airlines Elite White
When it comes to getting miles without spending money, I only use Industrial Bank’s China Eastern Airlines Elite White and China Southern Airlines Elite White. China Eastern Airlines Elite White The mileage redemption ratio is 10:1; China Southern Elite White is 12:1.
If you pay 19 yuan online every day, you can get one lucky draw opportunity, ranging from 6 to 60,000 points. If you win 60,000 points, you will get 6,000 China Eastern Airlines miles or 5,000 China Southern Airlines miles. Although the probability of winning is not high now, you can always win if you persist. Moreover, this month’s event has been increased, and you can participate twice a day.
It is definitely not cost-effective to use these two cards for daily consumption. With a ratio of 10:1, why not use the Agricultural Bank of China’s airline co-branded card? So it is enough to participate in the online payment lottery every day, and these are the only two cards that can get free miles.
Currently, both the first and second cards of China Eastern Airlines Elite White Card can be applied for. The first card can be applied for on the China Eastern Airlines app, and the second card must be applied offline at an Industrial outlet. China Southern Airlines Elite White is only for new members of Industrial Bank, and can be applied for on the China Eastern Airlines app. Apply through the China Southern Airlines app (path: China Southern Airlines app-Homepage-China Southern Airlines Membership-Co-branded Card).
3. The most consumer feedback-Guangfa Bank airline co-branded card
As for which bank and airline co-branded card has the most varieties, the answer must be Guangfa, which has issued: Air China, China Eastern Airlines , China Southern Airlines, Hainan Airlines, Spring Airlines, Shandong Airlines, Sichuan Airlines, Xiamen Airlines, Shenzhen Airlines co-branded cards. Except for the Spring Airlines co-branded card, which has a redemption ratio of 4:1 (100 Spring and Autumn points equals 1 yuan), the ratio of other airline co-branded cards is 14:1.
This ratio? It looks very weak.
It is indeed very weak, but don’t forget the shopping mall coupons that are given out every quarter when your business travel consumption reaches the standard. Gold Card's quarterly business travel consumption: 10,000 yuan ≤ quarterly consumption < 30,000 yuan, you can get 50 yuan GF mall coupons; 30,000 yuan ≤ quarterly consumption < 60,000 yuan, you can get 160 yuan mall coupons; 60,000 yuan ≤ quarterly consumption, You can get a 340 yuan shopping mall coupon. This is equivalent to spending 20,000 yuan per month and getting 1,360 yuan in shopping mall coupons every year.
Don’t think that this mall coupon is an IQ coupon. In fact, you can buy quite a lot of things, including various supermarket cards, gas cards, etc., so don’t worry about not being able to spend it. In addition, you can also get 17,142 miles for corresponding consumption.
Okay, ShuaiShuai has helped you find out the three bank-airline co-branded cards that have the best ratio, the highest price-performance ratio and the most rewards. It’s up to you how to choose.
Some friends may ask: Why not use other cards to accumulate comprehensive bank points and then redeem them for miles? The ratio is much better? Indeed, for example, the comprehensive point-to-mileage ratio of Bank of Communications is 18:1. When combined with the 5x points of Shenka-Niu Card, it can reach a ratio of 3.6:1. It can easily beat airline co-branded cards in seconds. Therefore, Niuka is out of print.
Another situation is that there is an upper limit on how comprehensive points can be redeemed for airline miles. For example, Guangfa’s is generally 20,000 miles. Even if various activities add N times points and the upper limit is sealed, it doesn’t make much sense.
Or maybe you have accumulated a lot of comprehensive points, but when you redeem them, you find that the points have been frozen or cleared.
Airline co-branded cards generally do not have these problems, have higher redemption mileage limits, and are safer. As you can see from the above, the ratio and cost of redeeming miles is not that bad. Therefore, Shuai Shuai’s suggestion is: first use an ordinary credit card to participate in activities to accumulate comprehensive points, and when the redemption limit is reached, use airline co-branded cards without any thought.
Finally, don’t be half-hearted when accumulating miles. You have to focus on a certain airline, because the more miles you have, the more valuable they will be.
Co-branded credit card refers to an agreement between the credit card and the product dealer, so that the cardholder can not only enjoy excellent financial services when making purchases, but also enjoy special preferential treatment from the manufacturer.
Compared with credit cards issued in other forms, co-branded credit cards have the following characteristics:
1. Lower application requirements
Use the co-branded card partners’ The ready-made database can quickly increase the number of credit card issuances in the short term, and the standards required for applicants are relatively low. For example, with Long Card, famous school cards, teachers and students of the corresponding schools can basically apply successfully.
2. Co-branded cards can enjoy double benefits
In addition to using common functions such as overdrafts and interest-free installments with ordinary credit cards, you can also enjoy similar benefits to membership cards at co-branded merchants. .
Advantages:
1. Points
This is a function that almost all co-branded cards have. Whenever a card holder makes a purchase at a co-branded merchant, the merchant will give corresponding points according to the consumption amount to attract consumers. They have specially prepared some very special gifts, and stipulate that they can only be received with consumption points, in order to attract consumers to shop.
2. Discount
This is another major feature of co-branded cards. In order to attract consumers who visit frequently, merchants offer discounts through co-branded cards. For some designated discounted products, merchants stipulate that only co-branded cards can enjoy discounts, which is a benefit that cannot be enjoyed with cash or other methods.
Some shopping malls with higher profits even stipulate that as long as you spend with a co-branded card, you can enjoy discounts ranging from discounts. For those who want to go to shopping malls anyway, getting a co-branded card to enjoy discount services can be said to be a bargain.
3. Value-added
This is the most noteworthy aspect of co-branded cards. For people who buy cars, a co-branded card means that only with the card can they enjoy the maintenance services they deserve, such as Japan's Toyota co-branded card.
For those who buy a house, a co-branded card is a master key for the owner. Not only does the card provide discounts for house purchases, but it can also be used as an door card, parking card, property card, social card, etc. Use, for example, the Vanke co-branded card of the real estate giant.
For ordinary shopping mall consumers, co-branded cards may have a more humanized service function. For example, the co-branded card of Tesco Supermarket allows you to take the free bus provided by the supermarket.
The various benefits of co-branded cards have been widely recognized by cardholders, merchants and banks, and more and more projects have been launched. I believe that in the near future, co-branded cards will become more popular and bring more benefits to consumers.
What are the product advantages of Bank of China Air China Zhiyin BOC Credit Card
1. Two cards in one, double benefits
The Air China Zhiyin Club membership number is embossed on the card surface , you only need to present the co-branded card when redeeming your boarding pass to complete the accumulation of Air China flight award miles.
2. Double points, triple mileage accumulation
(1) MileagePlus Points Program
Use the co-branded card to spend or withdraw 1 RMB (or 1 USD) in cash , you can get 1 point (or 7 points) of consumption points, and the portion less than 1 yuan will still be accumulated as 1 point.
(2) Colorful Gift Points Program
In addition to the "MileagePlus Points Program", you will also receive an additional 50% bonus points from us and accumulate them into "Colorful Gift Points" within the plan.
3. Aviation insurance value-added services
Since the insurance service content will be adjusted in due course according to market conditions, please refer to the official website announcement.
4. Air ChinaMiles member award miles
Use Air ChinaMiles BOC Credit Card to make purchases at Air China and Air China partner merchants (including). In addition to earning mileage, you can also earn Air China and Mileage rewards provided by its partner merchants allow you to accumulate double miles with one purchase.
The above content is for your reference, please refer to actual business regulations.
If you have any questions, please feel free to consult Bank of China’s online customer service.
You are sincerely invited to download and use Bank of China Mobile Banking APP or Bank of China Cross-border GOAPP to handle related businesses.
China's top ten most valuable credit cards
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China's top ten most valuable credit cards
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China’s top ten most valuable credit cards are as follows:
1. Minsheng Bank Diamond Credit Card, Among the domestically issued credit cards, the best one should be the Minsheng Bank Diamond Card. Although the color of the card is not black, its credit limit can reach up to 3 million yuan, and the annual membership fee is as high as 10,000 yuan.
2. ICBC Peony Platinum Card claims to have only 7,000 users worldwide. As one of the four major state-owned banks in China, the card issuance standards of Peony Platinum Card are quite strict. Individuals cannot apply on their own initiative and must be invited by the bank to apply.
3. Everbright Bank Yanhuang Credit Card-Platinum Card, special features: super high aviation accident insurance.
4. CITIC Bank Air China PhoneMiles CITIC Credit Card, platinum card, special features: the first platinum Air China PhoneMiles Credit Card.
5. CITIC Bank CITIC STAR dual-currency credit card, platinum card, special features: global airport VIP room privileges.
6. Everbright Bank Everbright Golf Credit Card, Platinum Card, special features: Enjoy golfing services at a discount of 50-30% off the visitor price at more than 150 courses across the country.
7. Everbright Bank Sunshine Business Travel Credit Card, platinum card, special features: VIP enjoyment, optional.
8. China Merchants Bank Platinum Credit Card, Platinum Card, special features: national discount stores.
9. Shanghai Pudong Development Bank Pudong Development Credit Card, platinum card, special features: RMB/USD dual-currency settlement.
10. Pufa Dream Card, a personalized private customized service, has distinguished VIP services at many airports and high-speed rail stations at home and abroad, as well as preferential services at international hotels, with no annual fee, overseas You can also get high cash rebates on your purchases.
Which credit card is better from Bank of China
Bank of China has issued many credit card products including: Personal Gold Card, Platinum Credit Card, Unlimited Credit Card, American Express Card, etc. The products have complete functions and activities. Colorful. You can inquire through the credit card WeChat public account, Colorful Life APP, official portal website, customer service hotline and other channels.
The above content is for your reference, please refer to actual business regulations.
If you have any questions, please feel free to consult Bank of China’s online customer service.
You are sincerely invited to download and use Bank of China Mobile Banking APP or Bank of China Cross-border GOAPP to handle related businesses.
This is the end of the introduction about which Air China Credit Card is better and Air China Bank of Communications Credit Card. Did you find the information you need?