Many card friends will ask around every time they see a credit card. Is it worth applying for? What I want to say here is that the credit card value is not worth applying for, mainly in two aspects: one is the annual fee and reduction rules, and the other is the rights and interests. From these two aspects, this paper analyzes whether it is worthwhile for Industrial Bank to enjoy the Platinum Card.

1. Annual fee:

Xingye Xiang Xing Platinum Card is a platinum card in Zhang greatly, with an annual fee of 2600 yuan. The main card is 2600 yuan/card, and there is no secondary card. Once the card is issued, whether it is activated or not, an annual fee will be charged. Although you can redeem the annual fee through points, this redemption threshold is relatively high, and 500,000 points can be redeemed.

According to Xingye's credit card points accumulation rules, according to 0 yuan's accumulated points of 65438+ 1, 500,000 points need 500,000 yuan. Although meeting more often can make the consumption less, it will cost hundreds of thousands. It is really uneconomical to exchange the annual fee of 2600 yuan for these hundreds of thousands of points.

Second, the rights and interests:

Some friends will say that since we dare to charge such a high annual fee, it should be good for Xingye to enjoy the rights and interests of platinum cards, but the fact may be embarrassing. On the first day of the first lunar month, Xingye Xing enjoys ten rights and interests of Platinum Card, but let's take a look and analyze, and some rights and interests can be said to be chicken ribs.

For example, overseas credit card installment can accumulate double points. Five-star hotels offer swimming and fitness services every month 1 time, with 20% discount for skating and ski resorts and 50% discount for swimming and fitness in five-star hotels on Friday. I feel that these rights and interests can't be seen, but I dare to let them out, not afraid that the amount of cards issued is too ugly.

Slightly attractive rights and interests include domestic airport transfers, domestic and foreign airport VIPs, but in fact there are restrictions. For example, the domestic airport shuttle service is only free for 4 times in China and unlimited times abroad, while the annual fee in 900 yuan is 12 times in China and unlimited times abroad; Airport shuttle service in China is twice a year, while it is four times in China and twice a year abroad.

To sum up, Xingyexing enjoys an annual platinum card fee of 2,600 yuan, and most of its rights and interests are very trivial. 900 yuan Hang Youbai can blow him up in minutes. In my opinion, if you are qualified to apply for a platinum card, you might as well apply for Industrial Bank. No one should be stupid enough to spend 2600 yuan on this card.