From my experience:

China Merchants Bank has the most special discount merchants, and the service fee is high, but the service quality is also high. There is no transaction password for China Merchants Bank credit cards. China Merchants Bank has many types of cards, and most of them are very beautiful. One account, permanent points. The annual fee for the first year of the MSN card I use is waived if many requirements are met. Haha, I will switch to a Ctrip card next year~~~

For CCB’s ordinary card, if you swipe it a certain number of times each year, the annual fee will be waived the following year. Some cards from China Merchants Bank are like this (please check the China Merchants Bank website for details).

Minsheng--I don’t have a credit card from Minsheng Bank, so I don’t know. But I heard that the credit limit is relatively large, but the cost is definitely not low. Nowadays, bank credit card limits are all getting larger. China’s industry regulations limit the limit to 50,000, but Everbright has unlimited limits.

Bank of China’s credit card – let’s just say the VISA Olympic Credit Card I use. Some people think it’s beautiful, but I think it’s very tacky. If you pay more than 99 yuan three times a year, the annual fee will be waived for three years. I like that the Bank of China card will receive text message notifications every time I make a purchase. The recently launched World Cup cards are relatively beautiful.

CITIC Bank Credit Card - (An unexpected bonus is that if you go to Maoye that day, you can apply for a free membership card by showing your CITIC Credit Card). There are also SMS notifications. The annual fee must be charged once by the card for the month to be exempted from the annual fee. But it was already the end of the month when I received it! ! It’s obvious that they want to charge me an annual fee! !

Bank of Communications--it’s useless, I don’t know. There is a term for installment payment that is not limited to designated stores and products, but please be aware of its charges. I heard that the first 200 people every month are given free movie tickets (Shenzhen Golden Shield), but I don’t know the details. My classmates never got one. Faint~~

Agricultural Bank of China - I'm not sure, please ask someone to provide additional information.

Pudong Development Bank--Apply before May 31 to waive the first-year annual fee. It seems that there are free gifts when you apply now. If you spend a certain amount of money, you will receive home textiles, such as towels and quilt covers, which cost at least 600.

Ebright’s credit card seems to have no upper limit for business people, only business people!

Please check online for GF, SZF, Huaxia, Xingye, etc.