Today, we introduce the four most important banks in China, Bank of China 3354, which is called "Brick Bank" by Jianghu people. As the name implies, assets are valuable. You can say anything with bricks, but you can't get the cards without bricks. For the Bank of China's first card, the amount of online application for automated cards is usually very low. If you want to apply for a quota of 2, or more, you basically have to go to the offline outlets, which shows that BOC is stingy with the quota.
first of all, let's introduce the grades of BOC credit cards.
the top-end card (annual fee is 36 yuan/card, 88 yuan/card) has no chance.
Platinum Credit Card (annual fee 8 yuan/Card)
Gold Card (annual fee 36 yuan/Card)
Universal Credit Card (annual fee 1 yuan/Card)
Among many BOC cards, the Platinum Card of BOC is really worth applying for. There are three reasons: First, the quota is beautiful; Second, platinum rights and interests are quite rich; Third, the annual fee can be easily waived! Next, I would like to introduce several BOC Platinum Cards with high cost performance.
positioning: standard dollar platinum card
annual fee: before December 31, 218, apply for the annual fee-free policy.
main interests:
(1) the first overseas ATM withdrawal every month is free. The main function here is that when you need cash overseas, you don't need to find an outlet to exchange it. You can withdraw cash directly from the ATM of China Bank, free of charge.
(2) overseas credit card double points. Consumption abroad double points
Recommended reason:
Actually, I have little interest in this card. What about applying for entry-level players? The main thing is that it is easy to approve cards. In addition, this is a single standard foreign currency platinum card. When you apply as the first cardholder, you must be given a UnionPay Platinum Card of the same grade. Most people will get the following card: BOC Great Wall Global Credit Card < P >, that is, the code 1 card we often say, and the standard UnionPay Platinum Card. These cards only have the general functions of platinum cards, such as delay insurance, and some activities require platinum card level. Our real goal is to win the platinum card of BOC through entry level, and then handle the second, third and n cards. Because as long as it is the same grade card approved by China Bank, almost all platinum cards are unimpeded, so you can choose happily. This idea is suitable for the entry-level and junior players of BOC. No business contacts, no assets, only proof of work income, and try with a small partner with average income.
positioning level: there are gold card level and platinum card level, both of which are unionpay single currency cards.
annual fee: 8 yuan/year. However, provincial branches have an annual fee-free policy and can apply for annual fee-free. The official position that BOC is a colorful card is written as follows: Platinum card products specially designed for young customers, college graduates who have just left campus to enter the workplace can also apply with graduation certificates and tripartite employment agreements.
so its positioning level is low and the threshold is not high. As long as there is no problem with credit reporting, it is basically exclusive to Xiaobai.
4. BOC Unlimited Credit Card
Unlimited card is the highest level of Visa card. Basically, no bank issues ordinary platinum cards, almost all of which are high-end card sequences. For example, we know that the unlimited card of China Merchants Bank exists at a higher level than the classic white card and centurion platinum card. For example, CITIC Unlimited Card, with an annual fee of 2, yuan, can use Starbucks 365 days a year, and other high-end rights and interests.
what are the rights and interests of BOC unlimited card?
(1) Hainan Airlines has a 1% discount on booking tickets.
(2) members of China Eastern Airlines can enjoy a 1% discount when booking
(3) PriorityPass VIP service is unlimited all year round at airports around the world.
(4) 24 times of value-for-money Longteng concierge service throughout the year (once in 15 yuan and once in 25 yuan), with a maximum of 2 times per month.
(5) Hertzhertz car rental enjoys a 1% discount for self-driving car rental.
(6) Gyms in five-star hotels in major cities in China are free to use, up to 8 times a month, and places need to be reserved.
(7) Buy one get one free for buffet and afternoon tea in domestic five-star hotels.
(8) Choose hotel courtesy, early check-in, free breakfast for two, etc.
(9) consumption abroad discount service and VIP service are selected for high-end Visa cards.
this card is the basic configuration of a high-end card. What are the application conditions?
The applicant is a wealth management customer of China Bank, with an average daily deposit of more than 2 million yuan for half a year, or the applicant himself
can tell from the name that the card configuration is correct. The highest level of UnionPay is Diamond Card, and the highest level of MasterCard is a world-class series. It is almost at the same high-end level as the above-mentioned requirements of unlimited card benchmarking. I won't repeat the requirements of the card, just refer to the first unlimited card.
The main benefits are:
(1) All-weather private concierge service.
(2) Longteng Airport has unlimited VIP room service throughout the year, with 2 people free each time.
(3) Road rescue and driving services, three times a year.
(4) Buy one get one free buffet/afternoon tea in a five-star hotel.
(5) select hotel services, exclusive privileges for diamond world-class hotel reservation, free breakfast for two, early check-in, room upgrade, etc.
(6) Physical examination, dental cleaning service once a year, and the right to exercise free of charge for three times in designated fitness places.
(7) Membership rights of priceless capital, etc.
the annual fee is 36 yuan/year.
As can be seen from the name, American Express Private Bank Card is specially designed for high-end private banking customers of Bank of China.
Conditions of use:
1. Private banking customers of Bank of China (the bank's wealth management assets reach the standard of 8 million yuan)
2. In China Bank, the average daily wealth management standard for half a year is more than 5 million yuan.
3. Cadres at or above the division level in administrative institutions or managers above the top 5 in China.
rights and interests are basically top-level services. Because there is no centurion platinum card and black gold card in the cooperation between Bank of China and American Express, this black and blue box is the highest level card in the cooperation between Bank of China and American Express. Applying at the level of private banks shows its height. Of course, none of the conditions are dead. The officially recognized application conditions for meeting the standards seem to be high enough, but some people still move bricks to get cards, and some don't move bricks to the above conditions. Related questions and answers: