Generally speaking, newcomers who apply for credit cards are people with general credit conditions, such as graduates who have just entered the workplace, and have low repayment ability, so they are more suitable for applying for ordinary cards and gold cards. For example: China Merchants Bank YOUNG card, mainly for young people; Bank of Communications Y-POWER card also belongs to the youth card; And CITIC Yanka, Everbright Xiaobai Card, etc. At the same time, it is not recommended to apply for a platinum credit card, and the probability of rejection is high. If you have good personal qualifications, you can also try CITIC I Platinum, Bank of Communications Youyibai and Guangfa Zhenshang Platinum Card. First of all, you should be talking about Pufa AE Platinum Card, which can exchange 5, points for 2 nights of star-rated hotels every year. Now it is really difficult to get down. First question: which cards can be exchanged for hotels: credit cards with their own free hotels include: Pudong Super Platinum has 2 or 4 nights of free hotels per year, but the handling requirements are higher than Pudong AE Platinum. CITIC IHG Platinum has 1 night of free hotels per year, but the annual fee is 3,6 RMB, so credit cards with points can be exchanged for hotels:

Co-branded cards of various hotels, including but not limited to CITIC IHG Gold Card, ICBC Shangri-La Platinum Card, Pudong wehotel Platinum Card, etc. Yes.

however, it needs to be clear that it takes a lot of bank points to redeem a hotel for one night, so you need to have enough credit card limit and corresponding credit card consumption.

The credit cards that can be exchanged for hotels with very few points (points)+cash are: China Merchants Bank Classic White can be exchanged for 3 (and above) cash +1 points four times a year, and the annual fee can be exchanged for 299 (and above) cash +2 points once a year. Second question: As a newcomer who has never applied for a credit card, not all of the above credit cards can be successfully handled directly. It depends on your qualifications: If your parents help you buy high-net-worth real estate in your name, Minsheng Bank, which loves real estate licenses most, is your first choice. Go to the outlet to apply for Minsheng Bank Elite White Bar, with a quota of 8,, and you have the hotel rights you want. If your parents help you buy a luxury car and it is in your name, then China Merchants Bank, which loves driving license most, is your first choice. Go to the outlet to apply for the classic white bar of China Merchants Bank, with a quota of 6, and the hotel rights you want. If your parents can give you a large deposit in your bank account, then you can choose the banks that love to deposit. At present, the good cards with a clear price tag include China Merchants Bank Classic White, Bank of Communications Qilin White (with a quota of 3, batches) and Standard Chartered Zhencheng White (with a quota of 5, batches), all of which can be applied for three months after 5, deposits. If you are in an institutional or awesome company, such as BATJ in China, Big Four in foreign countries, powerful foreign companies, etc., then find a platinum card that you like in prime bank and talk to the account manager. Generally, it is not a big problem. If all the above has nothing to do with you, then I suggest: Scheme 1: Choose a bank with a clear promotion system, such as China Merchants Bank, Minsheng Bank and China Everbright Bank. These banks are not slow to withdraw money. For example, if they apply for a gold card, they will invite small platinum when they use a certain amount, and then invite large platinum (or diamond card) when they use a certain amount. Option 2: Choose banks with fast withdrawal rate, such as ICBC, ABC, Guangfa, China Merchants Bank and Minsheng. Option 3: Choose banks with high-end cards, such as ICBC, Shanghai Pudong Development Bank, China Merchants Bank, Minsheng Bank and Ping An Bank. Option 4: Choose your salary bank to apply for the first credit card, and the risk of rejection is almost O, which is suitable for the case that you are rejected by Option 1, Option 2 and Option 3. In terms of card selection, in addition to the hotel co-branded card you want, choose a credit card with multiple points as much as possible. For the vast majority of gold cards, the rights and interests are not very good, so I think the focus is on the rebate of points. Banks have given many gold cards multiple points: for example, the car card of China Merchants Bank (which must have any car), the city card (which must be in the corresponding city) and the mobile co-branded card of Bank of China are all 1.5 times points; China Merchants Bank's young card (limited to birthday month), CITIC's online co-branded card, Xingye's new car friend card and Minsheng's women's flower card (limited to Thursday) are all 2 times points; Guangfa's DIY card, True Love card and Standard Chartered's Zhenyi card are all three times the points of specific industries. These cards are still worth holding even after you have a platinum card or even a top card of your peers.