If used domestically, the basic functions of credit cards from various banks are almost the same. China Everbright Bank waives annual fees for 3 transactions, Shenzhen Development Bank waives annual fees for 10 transactions, and most other banks waive annual fees for 5 or 6 transactions. The main difference lies in the preferential merchants of each bank. If you go out to spend frequently, you can enjoy more benefits if there are more preferential merchants. Guangdong Development Bank has been offering many promotions in the past two years. The buy-one-get-one-free or half-price promotions for Starbucks, Haagen-Dazs, Subway, Golden Leopard, Cidi Steak, Wangpin, Papa John's, etc. are very value for money. Bank of Beijing has different monthly credit card balances. Gifts are given, especially Meiyu rice, coffee pots, electric irons, hair dryers, etc. are all branded products and are very cost-effective. There are also repayment factors to consider. However, now the bank has launched a super online banking service. It is very convenient to make repayments to various banks through online banking. It can also be processed on Saturdays and Sundays and the money will be credited immediately.