Most banks’ VIP card credit customers will receive insurance as a gift, such as accident insurance, air delay insurance and other insurance protections. The VIP card here refers to credit cards above the platinum card. The annual fees of such credit cards are It is between 1,000-3,000, and it cannot be exempted by swiping the card a certain number of times. That is to say, the wool comes from the sheep. Banks earn high annual fees by letting customers apply for VIP credit cards, and they also use customers’ money to buy Instead, insurance is given to customers as a gift.

Some regular and gold credit cards of China CITIC Bank have customized critical illness insurance for female cardholders. However, this kind of activity is generally a one-time event and will not be given away for a long time. The gift period is the longest. It only lasts for 1 year, and some only have a trial period of a few months. For other cards, if you want to get free accident insurance, you can only choose to upgrade to a platinum card and pay a high annual fee.