This way it depends on what you usually consume.

If you prefer food and shopping, you can choose China Guangfa Bank. They often jointly offer discounts with such merchants

If your consumption is not high, choose Bank of Ningbo. You can enjoy many discounts in some places and have points that can be redeemed for things

The youth version of China Merchants Bank's YOUNG card is the best to apply for because it was issued in 2010 It has just been launched and is aimed at college graduates and fresh people under the age of 30. It is relatively easy to get approved. It is recommended that if you apply for your first credit card at China Merchants Bank, you can give priority to the YOUNG version.

Comparatively speaking, credit cards from China Construction Bank and ICBC have lower fees.

This is my understanding of credit cards, which may not be accurate. The above are all the ones I have used and I think they are okay