Ordinary young people like me usually only eat buy buy, so they can't fly several times a year and won't stay in high-end hotels.
Do you have a credit card that suits me?
Let's give you a grand introduction to the famous "diaosi sanbai" in the card industry!
One.
Three white cards, three primary cards.
For ordinary people, it is not difficult to apply, the annual fee can be waived, and there are many discounts.
Credit cards with the same threshold are not as good as theirs. The rights and interests are better than them, and the threshold is higher than them.
Therefore, these three cards form a popular group "diaosi sanbai" ...
The first thing to say is PUFA AE Xiaobai.
If you buy more online and pay quickly, Pudong Development Card is best for you.
Many banks are very unfriendly to online shopping, and pay 0 points online. However, Shanghai Pudong Development Bank did the opposite.
Daily consumption 1.5 times, online payment twice, 0 yuan 65438+2 points.
And basically all online payment channels include, for example, Jingdong Payment, WeChat Alipay and UnionPay. ...
It is especially suitable for brainless brushes and can be used as a grocery card.
And this card has many rights.
For example, 4 free transfers, not limited to airport VIP rooms, 99 yuan 12 car washes, 50,000 yuan for one night free hotel stay, and so on.
AE Xiaobai has an annual fee of 3,600 yuan/year, but it can be exempted in the first year and redeemed with 200,000 points in the second year.
Some people think that 200,000 is an exaggeration. How to use it? But in fact, it is very good to meet the standard-2 times points for daily online shopping and 5 times points for Alipay WeChat.
Taobao brushed 40 thousand, and then it was a steady profit. ...
In addition, Pufa has many bonus points and daily preferential activities, which are endless and varied.
This is an addictive card.
Two.
The second of "three whites" is the white unicorn of Bank of Communications.
This card can be called a god card for going abroad-
If you swipe your card on an overseas POS machine for 5 times, you can get 10 times points for all purchases, and you can get 20 times points for up to one day.
If you swipe dollars, you will get an extra 3 times points, which is very cool.
The advantage of this card is that you don't need to remember all kinds of obscure conditions, and you don't need to use your brain to brush it. It is very suitable for friends who often go abroad to play purchasing.
In addition to being an artifact of going abroad, the white unicorn is actually quite suitable for daily use.
It pays payment points for Alipay WeChat payment;
You can get a 10% discount every Friday when you swipe your card at a designated supermarket or gas station.
Send 6 drunk drivers for free;
Send 12 airport VIP rights, the highlight is CIP fast customs clearance-someone will help you with boarding pass, checked baggage, fast security check, and even send you to the plane by minibus. ...
Delay insurance is also super kind. If the delay is 2 hours, 500 yuan will be compensated, and the spouse and children will also be compensated;
The most amazing thing is that the train is late and you can still lose money.
Suitable for people who love train travel. ...
Having said that, I think White Kirin is no worse than AE, and the annual fee is lower and easier to handle. The secondary card is also very kind, and its rights and interests are similar to those of the main card.
Only one thing-it's more difficult to avoid annual fees if you don't go abroad. ...
The annual fee of White Kirin is 1 1,000 yuan/year, and the annual fee is free in the first year 1.68 yuan, and it will be exchanged for 250,000 yuan in the second year.
Three.
The third kind of white in "Diaosi Sanbai" is the classic white of China Merchants Bank.
Its rights and interests include:
Free VIP room service 6 times a year;
Free high-end physical examination once and tooth cleaning once;
Select five-star hotels to stay at low prices for 4 nights.
12 golf practice ball;
...
To tell the truth, the classic white is a little weaker than the first two, mainly because this 20 yuan is used to give 1 minute, and the annual fee can only be waived if it is accumulated to 10000.
However, there are 10 times points on the birthday, and there are quite a few activities to send points at ordinary times. If you pay more attention, the annual fee is not a problem. ...
I recommend myself as-
Often go abroad: Bai Qilin > Pufa AE White > China Merchants Bank Classic White;
Daily grocery shopping online shopping: PUFA AE White > White Unicorn > China Merchants Bank Classic White;
Want to improve your life: all three cards are good.
Use them to get started, and you will love to swipe your card, which is out of control.
My friend, life can't be just a bosom friend and a story meeting. While strengthening cultural study, we should also have "diaosi sanbai".