There are really many types of credit cards in this era. In order to make it easier to manage, all product types have become more and more detailed, allowing you to choose the one that suits you best. This is how credit cards are newly released. An online payment card exists just to allow customers to make purchases online. Let me tell you the difference between Shuwang payment card and credit card in detail.
CITIC Bank’s online payment card and credit card are both types of bank cards, but they are different in terms of how the cards are used. Their differences are:
1. Different cards . Generally, credit cards are physical cards, and there are physical cards. Online payment card is a virtual credit card. After opening, you will get a bunch of online payment card information, such as card number, validity period, CVV2, etc. for use.
2. The application methods are different. Credit cards are for face-to-face consumption. Unless you have opened online banking, you need to swipe at POS to make purchases. Online payment cards are mainly used for online payment, online shopping, etc., and cannot be used directly on POS machines.
3. The number of cards issued is different. You can only apply for one main credit card; while you can open multiple online payment cards at the same time.
4. The security is different. Credit cards mainly rely on themselves to keep the physical cards; while online payment cards save card information, but can be frozen in time when problems arise, which is more convenient in terms of card control
When using online payment cards for online consumption You can enjoy more discounts and points. Below are some types of online payment cards that I recommend. Interested card friends can continue reading.
1. CITIC Bank Online Payment Card
CITIC Bank’s speed in issuing new credit card products is simply a few steps ahead of other banks! CITIC Bank has also issued a series of online payment point-based cards, and recently issued a new online payment card - CITIC Dianping co-branded card. CITIC online payment credit cards include many types of cards. One of the basic features is that you can enjoy double points when you spend more than 2,000 yuan online! There are also some special card types that can accumulate multiple points faster. Here we focus on Taobao V Card.
Taobao shopping must be one of the most commonly used online shopping platforms. Many banks have issued co-branded cards with Taobao, such as GF Taobao Card, Industrial Taobao Card, Ping An Taobao Card, and CITIC Taobao V Card , BOC Taobao Card, etc. Each bank's Taobao card has different points calculation conditions. The one we recommend here is CITIC Taobao V Card.
The biggest feature of this card is that the doubling of points is directly linked to the Taobao membership level. The higher the Taobao membership level, the more powerful the doubling of points. Special days for Taobao V6 members (Taobao member birthdays, members entering Taobao) Anniversary celebrations, membership days on the 12th to 14th of each month) points for spending on Taobao can reach up to 10 times. (Source: Nan^fang^cai^fu^.com)
The important thing is that this card can accumulate points as long as you pay quickly through Alipay, and you don’t have to shop on Taobao. Therefore, if you make good use of special days, you can earn 30,000-40,000 points at a low cost. CITIC points can be redeemed for Air China/China Eastern Airlines/China Southern Airlines/Hainan Airlines/Asia Miles miles. The basic redemption ratio is 50:1, and the basic redemption ratio for premium platinum cards is 25:1. Therefore, this card stacks 10 times points, and the exchange ratio can reach 2.5:1. The best partner for the Platinum Card is CITIC AE White, click here to learn more.
2. Shanghai Pudong Development Bank’s full range of cards
Shanghai Pudong Development Bank is undoubtedly the most popular card in 2016. The various promotions of Shanghai Pudong Development Bank’s credit cards simply dwarfed its peers throughout the year and stole the show. . The cards worth applying for at Shanghai Pudong Development Bank mainly include Pudong Development Bank AE White, IHG Card, JAL Card, etc. It is particularly important to emphasize that online consumption with Shanghai Pudong Development Bank Credit Card is not picky, and points are calculated for almost all channels of fast payment (not skipping to online banking).
Pudong Development Bank Credit Card has a trump card - five times the points benefits, especially 5 times Alipay/WeChat points, with an upper limit of 50,000 points/month for each category (each category requires a total of 14,286 yuan). The points and mileage redemption ratio of Pudong Development AE Platinum Card is 12:1. If you add 5 times the points, you can achieve 2.4:1. It is undoubtedly the number one magic card of 2016.
Spending red envelopes can be shared with friends. Each person can open up to 15 red envelopes shared by others per day. In total, one person can open 21 or 22 red envelopes per day. If the quick payment amount exceeds 10 yuan, you will get a quick red envelope and an ordinary red envelope. The quick payment is 108 points; if the quick payment amount is between 100 yuan and 1,000 yuan, the points issued by the quick red envelope are 108 points, 188 points, and 288 points. Etc., if the quick payment amount is more than 1,000 yuan, the quick red envelope will be at least 588 points. If you are lucky, you will get 888 points, 688 points, etc. Ordinary
Red envelopes are issued with points, traffic and card credits. The points can be accumulated to the IHG card, and you can accumulate a lot of points over time! If you are a card lover who likes to shop online, then an online payment card is really indispensable for you. This is good news for you who like to spend money online, so hurry up and get one.