Today, let’s briefly talk about Pudong Development Bank’s credit card system and recommended card types.
This Shanghai Pudong Development Bank has a peculiar attribute that is puzzling. It is full of monkeys, so it is nicknamed the "Monkey Bank". We can see this from some credit cards issued by Shanghai Pudong Development Bank and will analyze it for you later!
Over the years, Pudong Development Bank has issued dozens of card types and has its own system.
I haven’t counted the details. Anyway, it must not exceed 100 calories. Counting one card type and producing more than N cards with more than N names, I estimate there are only 80-90 cards. Before the monkey show was popularized, "platinum" was a lofty word. At that time, in the eyes of most people, platinum = high amounts of good rights. But only Pufa has its own banner, issuing N such unscrupulous platinum cards, fantasy platinum, pure white, and all kinds of mess. Although it is called platinum, in name, the initial amount can actually be 2K. Many people get Pudong Development Platinum Card and only have a few 2K credit limit. At this point, Pufa's "Monkey Brother" name is a real hammer!
But having said that, Pudong Development Bank’s high-end cards are doing pretty well. The most well-known is Pufa AE White. Pufa has achieved great success with high-end cards!
Annual fee standards for Pudong Development Card:
Credit card levels: ordinary card/simple gold card, gold card/simple platinum card, standard platinum card, high-end platinum card and super platinum card. Among them, business travel has separate annual fee policies and levels, including business travel gold/simple platinum and high-end platinum cards.
Among them, high-end platinum cards and super platinum cards will have annual fee discounts in 2020. See pictures for details!
Let’s talk about the recommended cards in detail:
I won’t list too many 2K platinum cards, such as simple white card, dream card, premium white card, etc. Some of them with some benefits basically have a rigid annual fee, which is nothing fancy. It is also for some activities in Pudong Development Area, so it is not recommended to choose on your own!
The card types worth winning are as follows:
1. Pudong American Express Platinum Card (AE White)
AE Pufa White, the god who fell from the altar Card, rights and interests were cut off again and again!
The annual fee is 3,600 yuan, which is waived in the first year, and 200,000 yuan is used in exchange for the annual fee starting from the second year. Quota 100,000-500,000.
Equity:
1. VIP lounge access at Longteng Airport 7 times a year;
2. Domestic airport transfers 5 times a year;
< p>3. The top 500 monthly consumer finance customers can redeem 50,000 points for one night of star hotel accommodation;4. Global medical rescue services;
5. Buffet purchase One for one;
6.12:1 can be redeemed for up to 2/120,000 airline miles.
Official overturning conditions:
Annual income after tax is 400,000; deposit 2.5 million for 3 months; high-quality bank customers deposit 1.25 million for 6 months; you can also apply online. Anyway, many people can apply for a second card if their credit limit is reached. However, the card has been very strict recently, and I rarely see people placing cards!
Although a height card with no annual fee is not as good as before, the benefits are still good.
Second, Pudong American Express Super White
It is equivalent to an AE white upgrade!
The annual fee is RMB 10,000, which can be deducted from 600,000 points or 600,000 installments.
Quota 300,000.
Equity:
1. Send a PP card to enjoy unlimited VIP lounge treatment at Global Airport, and you can bring 3 people with you each time.
2. 4 nights in a star hotel or 2 nights in a "high-end hotel".
3. Enjoy global medical emergency rescue. /
4. Pick-up and drop-off: 8 times domestically and 4 times abroad.
5. Personal butler ordering: Prioritize your mandatory itineraries such as French wineries, London/Netherlands/New York Fashion Week, etc.
6. Buy one get one free at star-rated hotels. 10 hotel fitness activities per month.
7. Get 6 movie tickets every month.
8.10% cash back on overseas purchases up to 6 times throughout the year.
9. Mileage. Points can be redeemed for miles on various airlines at a 10:1 ratio, up to a maximum of 300,000/800,000 miles.
10. Various insurances: traffic accident insurance, overseas travel insurance, extended insurance of General Aviation.
Official overturn conditions:
Have opened an account in Pudong Development Bank for 6 months, the average monthly net assets in the past three months have reached 3.75 million, and the assets at the time are not less than 1.88 million; or in the past three months The monthly after-tax income reaches 100,000/month, which can push the super platinum level down.
A card with great benefits but extremely difficult to apply for!
Three. Airline co-branded card
Shanghai Pudong Development Bank
Titanium 14:1, if the card transaction exceeds 3k, you will get 2k China Eastern Airlines miles;
Gold Card 1533601, if you make the card transaction Spend 2k or more, get 1k China Eastern Airlines miles for free.
2. Juneyao Airlines co-branded credit card
As a new card type, the RMB card issued by American Express has two versions: exclusive version and exclusive version.
Exclusive version: The annual fee for the main card is 1,500 yuan/year, and the annual fee for the supplementary card is 750 yuan/year, rigid;
New family ceremony:
100 Juneyao Airlines points are exempted from CDF membership purchase rights;
Juneyao Airlines bank or Fuka members receive the "one flight, one fund" benefit;
A single purchase of 199 yuan will receive a 100 yuan domestic air ticket 2 photos;
If the cumulative consumption exceeds 888 yuan, you will get the right to upgrade to a domestic universal card.
Juneyao Airlines Shanghai Airport VIP privileges (business class check-in, priority baggage check-in, priority seat waiting);
All the above benefits need to be consumed within 60 days of card verification.
Exclusive Edition: The annual fee for the main card is 360 yuan/year, the first-year annual fee is waived, and the annual fee for the next year is waived for six purchases.
New family ceremony:
Juneyao Airlines panda doll;
Five Juneyao Airlines classification segments;
Shanghai Pudong Development Bank Juneyao that meets the standards The Juneyao Airlines membership account (regardless of membership level) of the holder of the airline co-branded credit card (Enjoy Edition) can obtain five rated flight segments of Juneyao Airlines at one time. Can only be used once per cardholder.
Points redemption mileage rules:
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Points redemption limit: 10,000 points/year for the Exclusive Edition, 5,000 points/year for the Joy Edition.
Suitable for friends who often fly Juneyao Airlines!
4. Pudong Development MasterCard Priceless World Exclusive Card
Blue Card. The quota starts from 50,000 yuan, and the annual fee is waived in the first year. The annual fee in the next year is 3,600 yuan, which can be deducted with 200,000 points.
Card holders whose first card limit is greater than 50,000 can choose to overturn this card.
Benefits:
1. Cash back for overseas consumption, up to 36%.
1% rebate for overseas consumption, no cap, no quota limit. The cumulative transaction amount of offline transactions every three natural months reaches 30,000 yuan, with a 10% cashback for excess transactions, with a cap of 5,000 yuan every three months, and no quota limit. Participate in designated routes to eat, drink and have fun, and get up to 25% rebate.
2. If you spend over 30,000 yuan, you will receive IHG Priority Club Platinum membership and 20,000 Priority Club points.
3. If you spend over RMB 80,000, you will receive a round-trip economy class air ticket from overseas.
4. Free LoungeKey airport VIP room treatment around the world 3 times.
5. Conditionally redeem up to 2/120,000 miles at 12:1.
5. Pudong Development MasterCard Priceless World Ultimate Black Card.
Black card. The quota starts from 300,000 yuan, and the annual fee is 10,000 yuan, which can be deducted with 600,000 points or 600,000 installments.
Benefits:
1. Cash back for overseas consumption, up to 36%.
1% rebate for overseas consumption, no cap, no quota limit. The cumulative transaction amount of offline transactions every three natural months reaches 30,000 yuan, with a 10% cashback for excess transactions, with a cap of 5,000 yuan every three months, and no quota limit. Participate in designated routes to eat, drink and have fun, and get up to 25% rebate.
2. If you spend 8 times or more, IHG will give you Priority Club Rewards elite membership.
3. Four domestic and overseas airport pick-ups.
4. Unlimited global LoungeKey airport VIP room treatment, you can bring 3 people at a time.
5. Conditionally redeem up to 300,000/800,000 miles at 10:1.
6. VISA Royal Seal Card
The annual fee is waived in the first year, and the annual fee in the following year is 3,600 yuan, which can be deducted with 200,000 points. The limit starts from 50,000, and the first card limit is greater than 5 Thousands of card friends can choose to overturn this card.
Benefits:
1. 1% rebate for swiping your card, no cap.
2. For any qualifying purchase, you can enjoy 3 free afternoon teas for two in star-rated hotels in the next month.
3. If you spend a total of RMB 1,888, you will get 3 points for free. The Beastiality products can be exchanged for benefit points, and during the event period, one main cardholder of the Royal Seal Card can receive up to 12 points.
4. Redeem 30,000 points twice for SPA privileges in designated star hotels
5. Visits to the American Children’s Museum; discounts to national parks in the United States and Canada; visits to world-famous museums
>6. Conditionally redeem up to 2/120,000 miles at 12:1.
7. VISA Infinite Card
The annual fee is 10,000 yuan, which can be deducted with 600,000 points or 600,000 installments. Quota starts from 300,000.
Benefits:
1. No threshold, 1% cash back on consumption.
2. Unlimited visits to the Longteng VIP Room, which can accommodate 3 people.
3. Free two-night hotel accommodation if you spend 12,888 yuan or more.
4. Stay in over 5,000 hotels around the world and pay 4 for 3.
5. If you spend one amount every month, you will receive the redemption rights of The Beast products.
6. For a single purchase abroad, you will receive a round-trip economy class ticket overseas or two round-trip economy class tickets within the country.
7. 8 designated five-star hotel gym privileges per month.
8. Earn 3 points for the exchange of The Beast products every month, and a maximum of 36 points for the whole year.
9. Conditionally redeem up to 300,000/800,000 miles at 10:1.
8. Pudong Development Bank UnionPay Diamond Card
The newly released diamond card has two versions: Brilliant Diamond Card and Eternal Diamond Card
Brilliant Diamond Annual Fee 3,600 yuan, and the annual fee for Eternal Diamond is 10,000 yuan. It is not clear yet whether there is an annual fee-free policy.
Brilliant diamond rights:
1. 3 points can be exchanged for hotel accommodation rights. Redeem at five-star hotels around the world starting from 1 point;
2. Points can be redeemed at 12:1 for air miles, with a maximum limit of 20,000;
3. UnionPay diamond privileges:
Disney benefits, star hotel fitness, teeth cleaning, courtesy car, etc.
Eternal Diamond Rights:
1. 8 points can be exchanged for hotel accommodation rights. Redemption starts from 1 point at five-star hotels around the world;
2. 10:1 points redemption for airline miles, with a maximum limit of 300,000;
3. 3 points for the main card and 3 points for the supplementary card. SPA redemption rights;
4. UnionPay diamond privileges:
Disney privileges, star hotel fitness, teeth cleaning, courtesy cars, etc.
I feel that the UnionPay Diamond Card has no special advantages, and it also charges an annual fee, which is not very interesting!
Summary:
Pudong Development Bank’s advantage lies in high-end cards, but over the past year or so, there have been various “warm upgrades”, the rights and interests have shrunk drastically, and the monkey nature has been revealed. I don’t know how to evaluate it!
You can combine the previous articles on the attributes of Pudong Pudong to play cards to play with Pudong!
"Guidelines for using Pufa Credit Card! Comprehensive knowledge points to help you clear up your doubts! 》Related Q&A: Related Q&A: Shanghai Pudong Development Bank Credit Card?
As a senior respondent in the credit card circle, first of all, congratulations to the respondent on getting his first credit card with a limit of 7,000, which is not low (the respondent’s first credit card limit back then was only 5,000, and it took 3 years to use it. Increase the amount and cancel the card in anger).
To answer your question briefly, there is no annual fee for this card in the first year. This "first year" refers to the billing year, not the calendar year. For example, if you open a card on December 1, 2019, then from now until December 1, 2020, in this complete year, no matter whether you swipe the card or not, there will be no annual fee.
Starting from the next year (calculated from December 2, 2020), every billing year, if you swipe your card no less than 6 times (no matter what type of card swipe, WeChat, Alipay, Huawei pay will count), you will be exempted. Annual fee for that year.
In fact, even if you do not make enough purchases 6 times that year, there is still a way to waive the annual fee. I will tell you how to waive the annual fee later.
The following is a more detailed answer, you don’t have to read it if you find it annoying.
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The credit card of Shanghai Pudong Development Bank has always been a popular bank in the credit card circle. The credit cards it has produced have always had high card limits, multiple points, rich activities, few card play restrictions, and generous prizes. They have always been very popular in the card circle.
I went to see the card you applied for. The main rights and interests are as follows:
One by one:
Credit line. No need to say it, everyone understands. It should be mentioned here that credit cards are generally divided into regular cards, gold cards, platinum cards, and higher levels. Generally speaking, for us, the maximum limit of ordinary cards is less than 20,000. Gold card costs 10,000-50,000. If you want a card with a limit of more than 50,000, it is best to apply for a platinum type card from the beginning to avoid the subsequent limit of the limit and the hassle of changing cards.
Withdrawal amount: 50%. Normal to temporary quota. For example, your quota is 7,000. Sometimes, such as Double 11, it is not enough. You can apply for a temporary quota, which is generally valid for one month. What is the general temporary limit? It is 50% of your fixed limit, that is, 7000* 50% = 3500. It is equal to an extra limit of ￥3500.
Annual fee: 180 yuan (waived for the first year, and waived for the next year after 6 purchases). As mentioned above, what is the first year and the second year? Anyway, the first year doesn't matter. Starting from the next year, you can use WeChat, Alipay, and UnionPay QuickPass to count. Every time you swipe the card, any amount can be counted, even 0.01 yuan. Just 6 times is enough. It is recommended that you bind this card to WeChat and use it as your default payment card, so you don’t need to remember this.
Interest-free period: 50 days. If Brother Climbing doesn't talk about those formulas, he'll be dizzy. Just install the Shanghai Pudong Development Bank Credit Card APP and watch it remind you how many days before the payment must be made. The card you swiped today will have to be paid back in 50 days. Generally banks take 50-56 days. Not much difference.
Card attributes: Don’t worry, most cards these days don’t differ much from each other.
Finally, there are a series of so-called rights and interests. In fact, they have no impact on us, so we don’t need to worry about them. The first one is free of annual fees.
Enjoy the discounts of many merchants in Pudong Development Zone. On this point, Pudong Development Zone has many activities, especially points activities. Nowadays, almost all cards of Shanghai Pudong Development Bank give you 2 times the points for swiping the card (that is, if you spend 1 yuan, you get 2 points, while most other banks give you 1 times the points). Many merchants usually offer discounts, so pay more attention.
It is recommended that you download the official app of Shanghai Pudong Development Credit Card.
Finally, let me tell you secretly how to waive the annual fee:
1. At the end of the year, you can call the Pudong Development Credit Card customer service and ask directly whether all the Pudong Development Cards in your name are The annual fee is waived when the number of card swipes is met. Customer service will tell you whether each card is satisfactory. Remember, it is most convenient and simple to call directly.
2. Check your bill regularly and if you find any annual fee expenses, call customer service immediately. Remember, call! ! ! The most convenient! ! ! You said that you forgot to swipe your card. Please make up the number of swipes this week, hoping to waive the annual fee. Customers can basically help you waive the annual fee, and then ask you to swipe 6 times within a month. Then you immediately charge 6 phone bills and you're done. This is what the card circle calls heart-to-heart talk
In short, if you don’t understand credit cards, you can send me a private message. I'll tell you everything.
I love life, I am Brother Climb~~Wow Kaka