How to choose an airline co-branded credit card?

You still have to choose based on your favorite destination. Otherwise, no matter how many routes there are, there is no point in accumulating miles if there is no place you want to go.

1. The best ratio at present-Agricultural Bank of China airline co-branded card

Agricultural Bank of China’s airline co-branded card is divided into platinum card and gold card. The gold card is the first choice because the application threshold is low, it can be swiped 6 times, and there is no card holding cost.

There are currently six of them, and the cooperation partners include Air China, China Eastern Airlines, Hainan Airlines, China Southern Airlines, Xiamen Airlines, and Jilin Airlines. Except for Jilin Airlines, the redemption ratio of China Eastern Airlines, Air China, Hainan Airlines, China Southern Airlines and Xiamen Airlines is 15:1. Currently, points can be added to 2 times the membership level, and the overall ratio is 7.5:1.

This month, the 5x bonus points for the "Love Together" credit card of the Agricultural Bank of China have not been renewed. Friends are complaining, feeling that the Agricultural Bank of China's airline co-branded cards are over, especially some friends who only purchased the card at the end of June. Hesitating about canceling the card? No need. Even without the 5x points bonus, the ratio of 7.5:1 is still better than most airline co-branded cards with no annual fee. So, what else do you have to complain about?

The 2x points rights for members of the Agricultural Bank of China Credit Card can be enjoyed unconditionally by all credit card users (you need to collect the rights manually, the path is: "Agricultural Bank of China Credit Card" applet - click on the membership level at the top - member rights - Double points).

If you work hard and upgrade to diamond level, you can receive 5 times the points, achieving a comprehensive ratio of 3:1. Of course, for most friends, it is difficult to reach diamond level, so you can get 2 times the points if you play Buddhist level.

If the qualifications are acceptable, then the Agricultural Bank of China airline co-branded platinum card is also a rare and good card. Except for the Juneyao co-branded card, the redemption ratio of China Southern Airlines is 13:1, and the redemption ratio of other airlines is 12:1. 1. With 2x points bonus, China Southern Airlines’ score is 6.5:1, and other airlines’ score is 6:1.

Other benefits, such as CIP services, are basically the same as ordinary Grand Platinum Essence White.

The annual fee is 880 yuan/year, which is rigid in the first year, and the annual fee is waived for the next year after spending 30 transactions. Note that the annual fee waiver for the first year is still valid. If you have more patience and make more customer service calls, you can save 880 yuan.

I can’t find a second airline co-branded card with no annual fee for 30 swipes and a ratio of 6:1 (except for some cards from local banks).

Related reading: How to play the co-branded platinum card of Agricultural Bank of China and Airlines (please automatically exclude the 5x points part).

2. The best value for money - Industrial Bank China Eastern Airlines, China Southern Airlines Elite White

When it comes to getting miles without spending money, I only use Industrial Bank’s China Eastern Airlines Elite White and China Southern Airlines Elite White. China Eastern Airlines Elite White The mileage redemption ratio is 10:1; China Southern Elite White is 12:1.

If you pay 19 yuan online every day, you can get one lucky draw opportunity, ranging from 6 to 60,000 points. If you win 60,000 points, you will get 6,000 China Eastern Airlines miles or 5,000 China Southern Airlines miles. Although the probability of winning is not high now, you can always win if you persist. Moreover, this month’s event has been increased, and you can participate twice a day.

It is definitely not cost-effective to use these two cards for daily consumption. With a ratio of 10:1, why not use the Agricultural Bank of China’s airline co-branded card? So it is enough to participate in the online payment lottery every day, and these are the only two cards that can get free miles.

Currently, both the first and second cards of China Eastern Airlines Elite White Card can be applied for. The first card can be applied for on the China Eastern Airlines app, and the second card must be applied offline at an Industrial outlet. China Southern Airlines Elite White is only for new members of Industrial Bank, and can be applied for on the China Eastern Airlines app. Apply through the China Southern Airlines app (path: China Southern Airlines app-Homepage-China Southern Airlines Membership-Co-branded Card).

3. The most consumer feedback-Guangfa Bank airline co-branded card

As for which bank and airline co-branded card has the most varieties, the answer must be Guangfa, which has issued: Air China, China Eastern Airlines , China Southern Airlines, Hainan Airlines, Spring Airlines, Shandong Airlines, Sichuan Airlines, Xiamen Airlines, Shenzhen Airlines co-branded cards. Except for the Spring Airlines co-branded card, which has a redemption ratio of 4:1 (100 Spring and Autumn points equals 1 yuan), the ratio of other airline co-branded cards is 14:1.

This ratio? It looks very weak.

It is indeed very weak, but don’t forget the shopping mall coupons that are given out every quarter when your business travel consumption reaches the standard. Gold Card's quarterly business travel consumption: 10,000 yuan ≤ quarterly consumption < 30,000 yuan, you can get 50 yuan GF mall coupons; 30,000 yuan ≤ quarterly consumption < 60,000 yuan, you can get 160 yuan mall coupons; 60,000 yuan ≤ quarterly consumption, You can get a 340 yuan shopping mall coupon.

This is equivalent to spending 20,000 yuan per month and getting 1,360 yuan in shopping mall coupons every year.

Don’t think that this mall coupon is an IQ coupon. In fact, you can buy quite a lot of things, including various supermarket cards, gas cards, etc., so don’t worry about not being able to spend it. In addition, you can also get 17,142 miles for corresponding consumption.

Okay, ShuaiShuai has helped you find out the three bank-airline co-branded cards with the best ratio, the highest price-performance ratio and the most rewards. It’s up to you how to choose.

Some friends may ask: Why not use other cards to accumulate comprehensive bank points and then redeem them for miles? The ratio is much better? Indeed, for example, the comprehensive point-to-mileage ratio of Bank of Communications is 18:1. When combined with the 5x points of Shenka-Niu Card, the ratio can reach 3.6:1. It can easily beat the airline co-branded card in seconds. Therefore, Niuka is out of print.

Another situation is that there is an upper limit on how comprehensive points can be redeemed for airline miles. For example, Guangfa’s is generally 20,000 miles. Even if various activities add N times points and the upper limit is sealed, it doesn’t make much sense.

Or maybe you have accumulated a lot of comprehensive points, but when you redeem them, you find that the points have been frozen or cleared.

Airline co-branded cards generally do not have these problems, have higher redemption mileage limits, and are safer. As you can see from the above, the ratio and cost of redeeming miles is not that bad. Therefore, Shuai Shuai’s suggestion is: first use an ordinary credit card to participate in activities to accumulate comprehensive points, and when the redemption limit is reached, use airline co-branded cards without any thought.

Finally, don’t be half-hearted when accumulating miles. Focus on a certain airline, because the more miles you have, the more valuable they will be.

Co-branded credit card refers to an agreement between the credit card and the product dealer, so that the cardholder can not only enjoy excellent financial services when making purchases, but also enjoy special preferential treatment from the manufacturer.

Compared with credit cards issued in other forms, co-branded credit cards have the following characteristics:

1. Lower application requirements

Use the co-branded card partners’ The ready-made database can quickly increase the number of credit card issuances in the short term, and the standards required for applicants are relatively low. For example, with Long Card, famous school cards, teachers and students of the corresponding schools can basically apply successfully.

2. Co-branded cards can enjoy double benefits

In addition to using common functions such as overdrafts and interest-free installments with ordinary credit cards, you can also enjoy similar benefits to membership cards at co-branded merchants. .

Advantages:

1. Points

This is a function that almost all co-branded cards have. Whenever a card holder makes a purchase at a co-branded merchant, the merchant will give corresponding points according to the consumption amount to attract consumers. They have specially prepared some very special gifts, and stipulate that they can only be received with consumption points, in order to attract consumers to shop.

2. Discount

This is another major feature of co-branded cards. In order to attract consumers who visit frequently, merchants offer discounts through co-branded cards. For some designated discounted products, merchants stipulate that only co-branded cards can enjoy discounts, which is a benefit that cannot be enjoyed with cash or other methods.

Some shopping malls with higher profits even stipulate that as long as you spend with a co-branded card, you can enjoy discounts ranging from discounts. For those who want to go to shopping malls anyway, getting a co-branded card to enjoy discount services can be said to be a bargain.

3. Value-added

This is the most noteworthy aspect of co-branded cards. For people who buy cars, a co-branded card means that only with the card can they enjoy the maintenance services they deserve, such as Japan's Toyota co-branded card.

For those who buy a house, a co-branded card is a master key for the owner. Not only does the card get discounts for house purchases, but it can also be used as an door card, parking card, property card, social card, etc. Use, for example, the Vanke co-branded card of the real estate giant.

For ordinary shopping mall consumers, co-branded cards may have a more humanized service function. For example, with the co-branded card of Tesco Supermarket, you can use the card to take the free bus provided by the supermarket.

The various benefits of co-branded cards have been widely recognized by cardholders, merchants and banks, and more and more projects have been launched. I believe that in the near future, co-branded cards will become more popular and bring more benefits to consumers.

Which bank’s China Eastern Airlines co-branded card is the most cost-effective

Which bank is the most cost-effective for the China Eastern Airlines co-branded card? Small banks will grant higher credit limits, such as Minsheng, Guangfa, China Merchants; large banks The credit limit is not high, but big banks have many online stores, so it may be more convenient to do business in a physical bank. The major banks available include China Construction Bank, Industrial and Commercial Bank of China, Bank of Communications and other state-owned banks.

The first thing you should consider is which bank in your location is closest to you or the most convenient for you to do business and make repayments. The second consideration is that bank and airline points conversion is the most cost-effective. Finally, consider the bank’s other services, such as credit limit, online banking, convenience of foreign currency consumption, etc.

In summary, choose the bank that suits you.

Furthermore, I have compared the points conversion of several banks, and there is not much difference. It is recommended to choose a smaller bank, such as Minsheng, Guangfa, and China Merchants. Because the credit limit of small banks is relatively high (the minimum is more than 10,000 yuan), the approval speed is fast, and other service items are also relatively flexible and diverse. It's a big bank, it looks good and has face. But the credit limit is generally not high, with a minimum of 5,000. However, big banks have many online stores, so it may be more convenient to do business in a physical bank. The major banks available include China Construction Bank, Industrial and Commercial Bank of China, Bank of Communications and other state-owned banks.

The difference between CCB China Eastern Dragon Card and World Smart Card

There are two differences between CCB China Eastern Dragon Card and World Smart Card in the following two aspects:

(1) Concept different.

China Eastern Dragon Card is an aviation co-branded card jointly issued by China Construction Bank and China Eastern Airlines. It is divided into China Eastern Dragon Card World Rui Card, China Eastern Dragon Card IC Credit Card Gold Card and Standard Platinum Card, as well as MasterCard Brand Standard Card (Blue color).

World Smart Card is just one of the cards in the China Eastern Airlines Dragon Card category.

(2) The functions are different.

In addition to the basic functions of a credit card, the China Eastern Airlines Dragon Card also has many thoughtful services such as value-for-money redemption, high-value aviation insurance, and abundant preferential merchants.

The points accumulated by the World Elite Card can be automatically converted into Eastern Miles points on a regular basis at a ratio of 12:1 every month, and can only be used overseas.

Extended information:

China Eastern Dragon Card World Smart Card is not only equipped with a security chip that complies with international EMV standards, but also provides comprehensive business travel protection. Cardholders can enjoy aviation accident insurance up to 5 million yuan, flight and baggage delay insurance up to 3,000 yuan, and overseas theft protection up to 20,000 yuan.

What’s even more considerate is that if your wallet is lost, stolen or robbed globally, or your online purchases are not delivered or the goods are damaged, the China Eastern Dragon Card World Smart Card will also provide up to 100 Wallet insurance in USD or online purchase insurance up to USD 200.

China Construction Bank - What is China Eastern Airlines Dragon Card

China Construction Bank - China Construction Bank and China Eastern Airlines jointly launched the "China Eastern Airlines Dragon Card World Smart Card"

Bank of China, Bank of China What are the advantages of China Eastern Airlines co-branded credit card products?

Advantages of BOC China Eastern Airlines co-branded credit card products:

1. Daily consumption points are automatically redeemed for China Eastern Airlines miles.

The credit card points earned from the monthly consumption of BOC China Eastern Airlines Credit Card will be automatically converted into China Eastern Airlines miles on the monthly statement date. The exchange ratio is as follows: every 18 points for gold cards can be exchanged for 1 kilometer of China Eastern Airlines miles, and every 15 points for platinum cards can be exchanged for 1 kilometer. The minimum redemption standard for airline miles is 18 points for gold cards and 15 points for platinum cards. Any points that are less than the minimum redemption points will be automatically accumulated to the next bill.

2. Platinum Card earns double points for overseas consumption.

Warm reminder: The preferential rights and interests will be adjusted at any time according to business development and market changes. Please refer to the actual product promotion.

The above content is for your reference, please refer to actual business regulations.

If you have any questions, please feel free to consult Bank of China’s online customer service.

You are sincerely invited to download and use Bank of China Mobile Banking APP or Bank of China Cross-border GOAPP to handle related businesses.

What kind of co-branded credit cards does China Eastern Airlines have and what are the discounts?

China Eastern Airlines co-branded credit card and discounts are as follows:

1. China Construction Bank:

China Eastern Airlines and China Construction Bank Co-branded Credit Card

Discounts:

(1) Air ticket discounts. Use the China Eastern Dragon Card World Elite Card to book full-price business class tickets on designated international routes on the China Eastern Airlines official website, and enjoy "two people traveling together, one person free", and you can also enjoy an immediate discount of 500 yuan per order.

(2) Hotel discounts.

Cardholders can enjoy discounts at Starwood, Leading World and other five-star hotels.

(3) Airport pick-up and drop-off discounts. Cardholders can enjoy luxury private car pick-up and drop-off at designated airports at home and abroad at preferential prices.

(4) Visa service fee is free. Cardholders can enjoy visa service fee-free benefits for 18 countries, and each cardholder can make one purchase per country per month.

(5) Car rental discounts. Enjoy 10% off Hertz car rental discounts and vehicle upgrade privileges

(6) Free WIFI. If you order overseas WIFI rental service on the exclusive website, you can enjoy the first two days for free and the remaining days at an additional discount from the official website price.

2. Minsheng Bank:

China Eastern Airlines·Minsheng Co-branded Credit Card

Discount:

Use China Eastern Airlines_Minsheng Co-branded Credit Card to purchase at face price If you pay more than 80% (inclusive) of the tour fee by air ticket or credit card, you do not need to pay insurance fees, and you can receive aviation accident insurance up to 10 million yuan for a single person.

Cardholders who use this card to pay related expenses for their spouse or children traveling with them can also receive corresponding protection (the total compensation amount for the cardholder, spouse and children shall not exceed RMB 13 million)

3. China CITIC Bank:

China Eastern Airlines CITIC Co-branded Credit Card

Discounts:

(1) Mileage accumulation

This card Enjoy the accumulation standard of Platinum Card, and you can accumulate 1 China Eastern Airlines mile when you spend RMB 10.

(2) Overseas cash rebate, 10% cash back for every transaction

New customers who use co-branded cards to transact overseas through Visa lines can enjoy 10% cash back on the transaction amount, and old customers can enjoy 6% cashback on the transaction amount, with a monthly cashback limit of US$100.

(3) Annual fee of 2,000 yuan is waived

The card level is a platinum card, and the annual fee is waived within the validity period of the card, and the annual fee is unconditionally waived.

(4) Free of currency conversion fee

Free of 1.5% foreign currency conversion fee for foreign currency consumption and RMB repayment.

(5) Two cards in one

Integrate the functions of Eastern Miles membership card and CITIC credit card into one, and experience dual benefits during daily business travel and consumption.

4. China Merchants Bank:

China Eastern Airlines China Merchants Bank Co-branded Credit Card

Discount:

You only need to use the China Eastern Airlines Co-branded Credit Card to pay for the full amount of the ticket If you pay or 80% of the tour fee, without going through any formalities or paying any fees, you can get the following insurance benefits:

You can get a free gold card of RMB 2 million and a regular card every time you take a flight. Aviation accident insurance of RMB 500,000.

You can also receive multiple travel inconvenience insurance for free. In the event of flight delay, luggage loss/delay, loss of travel documents, or trip cancellation or shortening, you can receive a certain standard of compensation.

5. Guangfa Bank:

China Eastern Airlines Guangfa Co-branded Credit Card

Discount:

Titanium Card:

Domestic business travel-related points-based consumption can enjoy three times the "Eastern Miles" points accumulation; overseas points-based consumption in all industries can enjoy double "Eastern Miles" points accumulation.

Gold Card:

Enjoy double "Eastern Miles" points accumulation for domestic business travel-related points-based purchases.

Note:

Business travel consumption refers to the points-based card consumption incurred by customers in domestic (excluding Hong Kong, Macao and Taiwan) aviation services, hotel accommodation, travel agencies and other industries.

The specific type of business travel shall be subject to the merchant's logo on the bank card organization:

The monthly accumulation limit of "multiple points" for each Titanium card is 20,000 "Eastern Miles" points OK” points.

Reference materials:

China Eastern Airlines-China Eastern Airlines and China Construction Bank Co-branded Credit Card

China Eastern Airlines-China Eastern Airlines·Minsheng Co-branded Credit Card

China Eastern Airlines-China Eastern Airlines CITIC Co-branded Credit Card

China Eastern Airlines-China Eastern Airlines China Merchants Bank Co-branded Credit Card

Eastern Bank-China Eastern Guangfa Co-branded Credit Card

That’s it for the introduction to the comparison of China Eastern Airlines Co-branded Credit Cards .