Credit card There is no saying that which bank’s credit card is better. The key depends on your own consumption habits and actual needs. Choosing the credit card that suits you is the best credit card.
The following is an introduction to the main credit cards of each bank for reference:
1. CITIC Standard Card
Card features: Card consumption or cash withdrawal of RMB 1 or Hong Kong dollars 1 yuan can earn 1 point, and gold and platinum cards enjoy double points. More than 3,000 gifts can be redeemed, and miles can also be redeemed for China Southern Airlines, Air China, and China Eastern Airlines.
2. Everbright "Fu" Gold Card
Card features: no need to apply, enjoy automatic interest-free installments; high-value travel accident insurance comes with the card;
3. Investment YOUNG Card (Black)
Card Features: It is said that this is the most popular card among young people and one of the best cards to apply for. White-collar workers who have just graduated can apply, and college students over 18 years old with a formal internship contract can also apply. The cash withdrawal limit is up to 100% of the credit limit, and the first cash withdrawal in each natural month is free of charge.
4. Bank of Communications Y-Power Card
Card Features: A strong competitor for merchant YOUNG cards. Designed specifically for young people, with ultra-low cash withdrawal fees and ultra-high cash withdrawal limits. Extra long interest-free repayment period of up to 56 days. One of the features of the Bank of Communications credit card is that there is a Super Redtest Friday event every year. If you participate in the event and meet the conditions for swiping your card, you will get a certain amount of credit back.
5. Citi Gift Card
Card features: "Enjoy three times the points for the consumption categories of your choice. The points are valid forever and can be freely transferred."
6. Everbright Music Fan Card
Card Features: The card has an online "instant loan" function. Cardholders can obtain bank credit in real time for purchases through a quick approval process. LeTV’s products such as Super TV and LeTV Box can be paid in installments without having to go through a cumbersome approval process.
7. Ping An Car Owner Card
Card features: 50% off on refueling in 36 major cities across the country; free roadside assistance nationwide, all year round; comes with full vehicle personnel protection insurance ; Points can be exchanged for Ping An Auto Insurance, and premiums can be deducted.
8. CITIC I Platinum Card
Card Features: The platinum card with the lowest threshold. You can apply for the gold card if you meet the requirements of ordinary credit cards, and enjoy VIP lounges, high-value aviation accident and delay insurance, accidental hospitalization medical insurance, golf and other exclusive platinum services, as well as points for online shopping and 50% off IMAX movie viewing.
9. Guangfa Vitality Card
Card features: discounts as low as 15% off in well-known sports cities; exclusive priority booking of sports venues; free participation in sports activities; shopping discounts and multiple points; Exclusive 50% off flash sales on new products; enjoy 5x points from famous stores; enjoy free membership activities.
10. CCB My Love Card
Card Features: DIY card surface is especially suitable for people who are "willing to show true love nowadays". Exclusive lifetime annual fee-free policy and various promotions from CCB from time to time.