Which bank’s credit card is better in Xi’an?

I personally recommend Bank of Communications and Guangdong Bank to you

In addition, I will give you some advantages of applying for a bank card

The four major state-owned commercial banks:

China Construction Bank:

Advantages:

1. The first-year annual fee is waived, and the annual fee for the next year is waived if you swipe three times;

2. The SMS service is free ;

3. The cash withdrawal fee is only 0.5;

4. The loss reporting fee is 50 yuan;

5. There are credit cards directly targeted at car owners, as long as they have Cars with a displacement of 1.4 or above can easily apply for the card.

Disadvantages: The gifts that points can be exchanged for are few and poor

Bank of China:

Advantages:

1. Free of charge for the first year

2. SMS service is free;

3. Cash withdrawal fee is only 1;

4. Loss report procedure The fee is only 40 yuan

Disadvantages: high points required to exchange gifts, few types of gifts

ICBC:

Advantages:

1 , swipe the American Express card 5 times a year or spend 5,000 yuan to avoid the annual fee for the year, or exchange 2,000 points for the annual fee for the RMB card;

2. The cash withdrawal fee is free;

3. There is no handling fee for claiming overpayment;

4. It only costs 20 yuan to report a loss;

5. There are many outlets

Disadvantages:

1. The SMS service fee is 2 yuan/month;

2. The points required to redeem gifts are high and the types of gifts are small

Agricultural Bank of China:

Advantages :

1. The annual fee for the first year is waived, and the annual fee for the next year is waived after five swipes;

2. The SMS service is free;

3. Cash withdrawal fees Only 1;

4. The handling fee for reporting a loss is only 50 yuan;

5. There are many outlets

Disadvantages: 1. Few types of credit cards; 2. Card application The procedures are relatively cumbersome; 3. Few points can be redeemed for gifts

China Merchants Bank:

Advantages:

1. The first-year annual fee is waived, and it is waived after six purchases. Annual fee;

2. SMS service is free;

3. Loss report handling fee is 60 yuan;

4. Points gifts are better

Disadvantages:

1. High cash withdrawal fee of 3;

2. Fewer outlets

CITIC Bank:

Advantages :

1. The first-year annual fee will be waived if you swipe the card once within one month after issuance, and the next annual fee will be waived if you swipe the card five times;

2. The SMS service is free;

3. Free accident insurance

Disadvantages:

1. High cash withdrawal fee of 3.

2. Few outlets;

3. The handling fee for reporting a loss is 80 yuan;

4. There are many gifts but the required points are high

Industrial Bank:

Advantages:

1. The annual fee for the first year is waived, and the annual fee for the next year is waived if you use it five times or spend 3,000;

2. It costs 50 yuan to report a loss

Disadvantages:

1. SMS service fee is 3 yuan/month;

2. Cash withdrawal fee is high and requires 3 yuan;

3. Few outlets

Transportation Bank:

Advantages:

1. The first-year annual fee is waived. Y-POWER card swiped three times to waive the next year's annual fee, and other cards swiped six times to waive the next year's annual fee;

2. The SMS service is free;

3. The cash withdrawal fee is only 1 yuan;

4. It costs 50 yuan to report a loss;

5 , has more outlets than other non-state-owned commercial banks;

6. There are more gifts that can be redeemed with points

Disadvantages: I haven’t seen it yet, but colleagues who use Bank of Communications credit cards generally give The evaluation is average

Guangfa Bank:

Advantages:

1. The first-year annual fee is waived, and the annual fee for the next year is waived after six brushes;

2. There is no handling fee for overpayment redemption;

3. It only costs 3 yuan to make a replacement statement;

4. A copy of insurance will be sent;

5. There are discounts for applying for a card

Disadvantages:

1. The SMS service fee is 3 yuan;

2. The loss reporting fee is 85 yuan. Yuan;

3. Few branches

Shanghai Pudong Development Bank:

Advantages:

1. No annual fee for the first year; <

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2. No SMS service fee;

3. No handling fee for reporting loss;

4. No handling fee for overdue payment and recovery

Disadvantages:

1. The annual fee for the following year will be exempted based on the card swiping record and repayment record;

2. The handling fee for replacing a damaged card is 80 yuan;

3. The cash withdrawal fee is high;

4. Few branches

Shenzhen Development Bank:

Advantages:

1. Free of annual fee for the first year;

2. Cash withdrawal fee 1;

3. Loss reporting fee 50 yuan;

4. Replacement The billing fee is only 2 yuan

Disadvantages:

1. Points can only be exchanged for the next annual fee. Some credit cards can only be redeemed for the next annual fee by swiping 12 times in the first year;

2. Few branches

Minsheng Bank:

Advantages:

1. No annual fee for the first year;

2. No handling fee for cash withdrawal;

3. No handling fee for overpayment and refund;

4. Complimentary aviation accident insurance and discounted car on-site emergency assistance services

Disadvantages:

1. Most credit cards need to be swiped 8 times to avoid the annual fee for the next year, and some require a 160 yuan production fee;

2. SMS service fee 3 yuan;

3. The handling fee for reporting a loss is 80 yuan;

4. Few branches