After the comparison of the benefits of the five most worth owning cards in 2020 was last announced, many friends objected to the fact that several cards were not on the list. Now update the comparison table of the top ten high-end credit card benefits in 2020:
Although Pudong AE’s travel and Longteng have shrunk significantly after the recovery, the hotel is purely lucky, and the mileage ranges from 100,000 to 30,000 to 20,000; For ordinary users, a high-end card with a relatively high cost performance is good enough to prepare 240,000 redemption miles in the first year; of course, for business users, this card is not enough.
Post ‘D’ is suitable for home use, shuttle bus, driving, roadside assistance, and sports; and since hard assets are not considered when applying for a card, it is recommended that those who have a stable job but no savings consider applying for this card.
New members of Minsheng Elite are exempt from annual fees for the first year and earn directly. With the addition of 5 WeChat and Alipay points, you will have legitimate health rights.
Infinite Dragon Soaring only leaves Zhongyin Diamond. The BOC Infinite Dragon usage interval is 30 minutes in VIP lounges and 5 hours in partner restaurants, so there is no conflict. Perhaps the greatest pleasure of using the Bank of China Diamond Card is the unlimited use of Longteng and VIP lounge extension.
With the three free supplementary cards provided by Standard White-Bai Qilin, you can enjoy more dragon cards, airport VIP, and delay insurance.
30 transactions of Zunran White Essence, ABC free of annual fee and unlimited cip, three registrations, unlimited roadside assistance; it is a good card for friends with this tendency.
Today’s topic: What kind of credit card benefits do you enjoy most? Let’s share it with everyone.
As well as graphic and text questions and answers: constantly share and exchange information on credit cards, payments, people's livelihood and other practical information.
Wei Toutiao: I will share various selected wool information ~ Related Q&A: Related Q&A: Which credit card is easier to use?
When I saw this question, I wanted to answer it.
First of all, I have worked in a credit card center for 8 years, and I feel that I am fairly familiar with the credit cards of various banks.
But first I want to ask, "What do you mean by usefulness?" How do you calculate usefulness? The question is not very clear.
Which bank you are referring to has more credit card activities and more preferential rights. Is it more cost-effective for us to use this bank?
If this is the case, I would like to talk about the activities of various banks. I have also worked as a merchant in a card center.
General branch activities are held for a period of time. For example, we have a movie ticket activity, which you can participate in twice a month for 10 yuan each. We do some activities like this every year, all about eating, drinking and having fun. But usually it’s 3 months or half a year. Very rarely, if you apply for my family’s credit card, you can continue to participate in this activity for the rest of your life.
All banks are like this, not that our bank is like this. This is an activity of the branch. You can understand it as an activity done individually in your local city.
The other one is the head office activities, which usually take longer, but it just lasts longer. Maybe a few years. For example, our bank’s head office originally had an event in which all customers in that city who had a credit card from our bank could participate.
In this activity, 88 points can be exchanged for a large cup of Starbucks. The second cup requires 8888 points. This event has been held for many years, but it was canceled in 2017. To be honest, the teacher from the head office said that the cost of training was too high and we couldn't afford it. It's not something that millions can solve. Because there are too many card holders and the activities are more attractive, more people participate. Haha, the cost has come up.
Okay, after I express my general thoughts, I will definitely give you some useful information and share with you which bank’s credit card is better. These are my own feelings, so don’t criticize them if you don’t like them. I think it’s a pretty affordable card
I’ll briefly mention two, time is limited. You can see more in my video, you can check it out.
The first one: I recommend the Bank of Communications’ Wal-Mart credit card first. For normal consumption, the key now is that 100,000 points can be exchanged for 927.5 yuan. What I’m talking about is money. The 927.5 card credit is transferred to your credit card, which can be used to make purchases and offset bills.
Originally, it could be exchanged for 200,000. I guess later the bank settled the accounts and found that it was too much of a loss, so it lowered the price, haha.
The most important thing is that there is a weekly traffic activity at the end of the year, which has been going on for many years. If you follow the rules normally, you can get prizes no matter what if you make more than a dozen or 200,000. Anyway, I got a 43-inch Micro Whale TV, a DJI stabilizer, and a silk quilt. Too many.
Don’t ask me if you can’t pay that much. Today’s POS machines have such low rates. The rate on the market is generally 0.55. An absolute bargain. Of course, if there is none, you can ask me.
Just do the math, you can get a gift at the end of the year and get another 927 yuan. If you don’t usually swipe your card and just want to make money at the end of the year, the cost of swiping 100,000 yuan will be 550 yuan. Then you earn 927, right, and then the gifts you get can still be sold, right? Calculate carefully
Second: Introduction to the cashback of Guangfa Sharp Card:
1. Cashback of 0.5-5 for swiping the card.
2. Spend at designated department stores, supermarkets, and restaurants (including APPLE PAY, HUAWEI PAY, MI PAY, HCE Cloud Quick Pass and other channels). The maximum cashback per day is 1.
3. For a single purchase of 99 (exclusive) to 199 (inclusive), you will get 0.5 cash back, and 1 cash back for more than 199.
4. On Fridays, you can get a maximum rebate of 5 yuan from a merchant of your choice. On Fridays of every month, you can get 100 yuan in cash back by spending 2,000 yuan on your card.
Let’s see if it works. I think it’s a good deal. of.
The above two cards, I am talking about ordinary cards, I did not say anything, traffic Bai Qilin, Shanghai Pudong Development Express Platinum Card.
Because for many high-end platinum cards, or platinum and above levels, only a few people can apply, or some are invitation-only.
I don’t know if what I said is what you meant. That’s all for today. If you like, you can watch my video