Different banks have different credit card points policies, and the gifts with convertible points are also different. Multiple credit cards. Do you know which credit card points are the most useful? Let's see which one has credit card points.
1, according to the integral law.
For RMB consumption, the cumulative points rules of 17 issuing banks are basically the same, and they are all based on 1 yuan+1 points. Only China Merchants Bank is harsh, and 20 yuan consumption can be exchanged for 1 points. However, this does not mean that the points of China Merchants Bank are not good, but also depends on the value of the points exchanged for goods. In terms of dollar consumption, Shanghai Pudong Development Bank accounts for the highest proportion of points, 1 USD = 16, which is not much different from other banks, and is basically about 1 USD 6-8.
2. Judging from the integral value.
Because the products redeemed by different banks are different, in order to make a more intuitive comparison, they are converted into 1 yuan equivalent coupons for calculation. Simply put, how much does it cost to get a 1 yuan voucher?
The most valuable credit card points are Bank of China, Agricultural Bank of China, Bank of Communications and China Merchants Bank. You can redeem the 1 yuan voucher by swiping the card to spend 400 yuan. Followed by Industrial Bank, 490 yuan convertible 1 yuan vouchers. The points of CITIC, China Everbright and Huaxia Bank are not cost-effective, and they need to cost more than 1 1,000 yuan.
3. From the perspective of mileage.
Converting credit card points into airline miles is a favorite way for everyone, and it is also a more economical way to buy air tickets. Through comparison, it is found that the exchange of Guangfa, ICBC and Huaxia Bank is more cost-effective. Ping An Bank has the lowest cost performance and needs RMB for 1 mileage. In addition, some banks also need to charge a certain handling fee when using points to redeem mileage.
To sum up, the points of China Bank, Agricultural Bank, Bank of Communications and China Merchants Bank are the most valuable. Credit card points of Guangfa, ICBC and Huaxia Bank are the most useful if you want to change airline tickets.
How much are credit card points worth? Credit card integral value summary of each bank!
Everyone who uses a card knows that credit card points are equal to money. Whether it is used to exchange gifts or deduct annual fees, points are generated by the value of the card. But in fact, because different banks have different points rules, different banks have different credit card points. Do you want to know how much your points are worth? Let's take a look at the summary of integral values here!
1, Bank of China
The best products for China Bank to exchange non-joint cards are China Southern Mileage and JD.COM Iron and Steel. The mileage conversion ratio of China Southern Airlines is 15000: 50, with an upper limit of 300,000 miles/year, and 654.38+ million points worth 270 yuan.
2. Agricultural Bank of China
The best non-joint redemption product of Agricultural Bank of China is China Southern Airlines Miles, with the redemption ratio of 20: 1, the upper limit of 65,438+million miles/year, and the value of 65,438+million points is 440 yuan, and the points can be automatically combined and redeemed.
3. Industrial and Commercial Bank of China
The best products of ICBC's non-co-branded cards are telephone charges and fuel cards, and the exchange ratio is 500: 1, with no upper limit. 65438+ million points worth 200 yuan, which can be automatically combined.
4. China Construction Bank
The best convertible product of CCB is Sinopec fuel card. The conversion ratio of other non-co-branded cards except car cards is 540: 1, with no upper limit. 65438+ million points value 180 yuan, which can be combined manually through online banking.
5. Bank of Communications
The best exchange product for other non-joint cards of Bank of Communications except Bai Qilin is water, electricity, coal and telephone charges, with the exchange ratio of 667: 1, the upper limit of which is 5% of the order amount, and the value of 65438+ million points is 150 yuan. In addition, the mileage of Bai Qilin exchanged for China Southern Airlines is 654.38+ 10,000 points, which is worth 440 yuan.
6. China Merchants Bank
China Merchants Bank's classic white best redemption product is China Southern Airlines Mileage, 65,438+million points value 10670 yuan, other non-co-branded cards are exchanged for Starbucks 799 points/cup, and 65,438+million points value is 4 130 yuan, while China Merchants Bank 20 yuan only has 1 points.
7. Shanghai Pudong Development Bank
PUFA's best redemption products are China Southern Airlines Miles, with AE white redemption ratio of 9600: 800, ordinary card of 48000: 800, AE white of 65438+ million points worth 670 yuan, ordinary card 130 yuan.
8. China CITIC Bank
The best exchange product of CITIC Bank is also the mileage of China Southern Airlines. The conversion ratio of platinum card with rigid annual fee is 25: 1, 65438+ million points worth of 320 yuan, and the conversion ratio of platinum card and gold card without annual fee is 50: 1, 160 yuan.
Regarding the integral value of credit cards, I will mainly introduce these eight prime banking companies here, hoping to help you. What is your integral value? Do you understand now?
Why are China Merchants Bank's credit card points so "valuable"?
It has become a marketing tool for many banks to stimulate credit card consumption and accumulate points. The point system adopted by most banks is to spend one yuan, that is, accumulate 1 points, and the accumulated points can be used for mortgage consumption. Among many banks, China Merchants Bank's credit card points can be said to be the most difficult to accumulate, and its purchasing power is very low.
China Merchants Bank's credit card consumption in 20 yuan only accumulates 1 points, while 780 points can reach 1 yuan. Compared with other banks, such regulations are really stingy. Compared with Minsheng Bank, it not only needs a higher amount of fertilizer, but also needs more points to exchange 1 yuan.
This concludes the valuable introduction of credit card points.