Many card friends think that online shopping for credit cards has no points. This perception is not entirely correct. Although online payment by credit card can't get the consumption points generated by swiping a card in a physical store, online shopping can still get corresponding points or cash benefits as long as the credit card is used correctly.
For Taobao people who often buy online from Taobao, the most suitable one is a Taobao co-branded card. There are many advantages to handling a Taobao co-branded card. Cardholders can not only get points conveniently, but also enjoy certain value-added services. Here are three models for you.
I. Industrial Bank Taobao Co-branded Card
This is a Unionpay single currency card. There are three kinds of cards: general card, gold card and platinum card. In addition to the basic financial functions of Industrial Bank, the gold card can also provide cardholders with 2 million yuan of aviation accident insurance, which other Taobao cards do not have.
The biggest advantage of this card is that online shopping can accumulate points through fast payment. Every time you spend 1 yuan = 1 points, every 500 points = 100 Alipay points = 1 yuan, you can accumulate up to 20,000 points every month, and the points can be converted into Alipay points for cash use.
When redeeming points, just click "Click to deduct cash" and select the transaction amount deducted by credit card points according to the page prompts to complete the payment.
Second, Guangfa Bank Taobao Card
Guangfa Taobao cards are divided into two types: men's and women's, both of which are UnionPay single-currency cards. Cards are divided into ordinary cards and gold cards, which not only have the basic services and functions of Guangfa Credit Card, but also have special functions such as "saving points every day", "more points every week" and "grabbing red envelopes every month".
Online shopping with Guangfa Taobao Card cannot directly accumulate credit card points, but it can accumulate concentrated treasures. It is more convenient to use integral treasure for payment in 5 yuan = 1 integral treasure, 100 integral treasure = 1 yuan.
Participating in activities can also quickly accumulate concentrated treasures, and the new card will send 5000 concentrated treasures for the first time in March. If you swipe your card every Friday and the end of the consumption authorization number is "8", you can get an equal amount of treasures; On the 8th of every month, the red packets of Jifenbao were grabbed on time at 10: 00- 16: 00, and 4 million Jifenbao red packets were randomly distributed that day.
III. CITIC Taobao Co-branded Credit Card (V Edition) Gold Card
This is a joint card of CITIC Bank and Taobao. It's a UnionPay single currency card. It has the basic services and functions of CITIC Credit Card, and can also provide cardholders with value-added services such as 4 hours 1000 RMB flight delay insurance.
Only quick payment points can be calculated for online transactions using this card, and other online transactions are not counted. On weekdays, you can use Taobao V card for Alipay express payment transactions, and enjoy up to 5 times CITIC credit card points; On the day of Taobao's special offer, you can enjoy up to 10 times CITIC credit card points when you use Alipay to pay transactions in Taobao.
How about Industrial Bank Taobao Credit Card? How about Industrial Bank Taobao Credit Card?
1. I personally hold a Taobao credit card of Xingye now, which is very easy to use. Xingye credit card has many activities, many points and rich gifts. Personally, I feel very good and will continue to use it. What suits you is the best.
2. Ordinary cards are free of annual fees in the first year, gold cards need to meet the corresponding credit card conditions or points, and platinum cards need to charge annual fees no matter how much they cost. As far as I know, the annual fee for the platinum card (standard version) of Xingye Taobao Credit Card is 2600 yuan ~ but the corresponding platinum card has many discounts in all aspects. Ordinary wage-earning consumers do ordinary cards, but ordinary people can't do platinum cards ~
3. Generally, there is no arbitrary deduction for bank credit cards, and all the links that need to be deducted are clearly stated in advance, such as the handling fee and interest corresponding to the cash borrowed in advance, which exceeds the interest corresponding to the outstanding loan during the interest-free period. As long as we use the card carefully, these deductions can be completely avoided.
How about Industrial Bank credit card?
The credit card of Industrial Bank is OK, the application is relatively easy, and the service is not bad. Generally, the ordinary card of Industrial Bank is free of annual fee in the first year, while the gold card needs to meet the corresponding credit card conditions or the number of points, and the platinum card needs to charge an annual fee no matter how much it costs. Taobao card is an ordinary card. If you change to a platinum card (standard version), you will have to pay an annual fee of 2600 yuan, but the corresponding platinum card has many discounts in all aspects.
Annual fee-free policy: Puka Gold Card swipes 5 times to avoid the annual fee for the following year;
Handling fee for cash advance: RMB: 2% of cash advance, minimum 20 yuan/transaction (regardless of the same city and different places), foreign currency: 2% of cash advance, minimum USD 2/transaction (regardless of the same city and different places);
Multi-account management: quota sharing, independent repayment on a billing day;
Installment business: supports installment business, interest-free installment for specific merchants (3, 6, 12), bill installment business (3, 6, 12, 18, 24) and single consumption installment (3, 6, 65438+).
Bookkeeping date: according to different card types and different bookkeeping dates, cardholders can change once every six months;
Types of cards: ordinary cards (quota 1500-50000 yuan) and gold cards (quota 7000-50000 yuan);
Industrial Bank was established in 1988 and its head office is located in Fuzhou, Fujian Province. It is one of the first joint-stock banks in China and ranks among the top 300 banks in the world. Industrial Bank Credit Card Center was established in July 2004. It is a directly affiliated institution of the head office headquartered in Shanghai, and is fully responsible for the operation and management of the credit card business of Industrial Bank.
In order to better serve customers and enrich the product functions of credit cards, Industrial Bank credit cards have promoted a number of withholding and remittance services in different cities across the country. Business types mainly include: China Unicom mobile phone fee withholding, telecom fee withholding, tap water fee withholding, electricity fee withholding, gas fee withholding, gas card withholding and so on. With the continuous development of new business, Industrial Bank will strive to develop diversified withholding services according to market conditions to meet the payment needs of different customers.
So much for the introduction of Xingye Taobao Credit Card.