Zhongyuan Bank Credit Card is better.

1. Benefits: If you make 6 mobile payments of unlimited amount with Zhongyuan Bank credit card every month, you can enjoy 5% off for a payment of 10% or more in the next month. Hua Xia Bank randomly reduces the payment by 1 to 3 yuan per order, and the benefits are relatively low. So Zhongyuan Bank Card is better.

2. Withdrawal amount. Each card of Zhongyuan Bank has a monthly withdrawal limit of 80,000, while Hua Xia Bank's monthly withdrawal limit is only 50,000, so Zhongyuan Bank Card is better.

3. Consumption points. Zhongyuan Bank can earn points for consumption, and the points can be exchanged for physical goods or privileges. Hua Xia Bank has no relevant policies, so Zhongyuan Bank Card is better.