Which one of the major banks’ full-currency credit cards is better

Whether you are going out for fun, business trips, or studying abroad, all-currency credit cards are more suitable, and you can avoid exchanging them. Conversion fee, but with so many full-currency credit cards, which bank’s full-currency credit card is better and more cost-effective? Today, we will take stock of the advantages and disadvantages of all-currency credit cards from major banks so that you can understand them all at once.

The main function of the all-currency card, which is hassle-free for swiping abroad, is to waive currency conversion fees and handle transaction needs in all currencies. No matter which country or place you consume, you can repay the money directly in RMB after returning to your country, eliminating the need to purchase foreign exchange.

1. Bank of China All-Currency International Chip Card

In addition to the basic functions of general all-currency credit cards, the Bank of China All-Currency International Chip Card also enjoys the same benefits as the Bank of China Platinum Card. Rights and interests; insurance services, such as complimentary personal insurance and delay insurance when buying air tickets; lending and borrowing in one, overdraft consumption, interest-free repayment period, and interest on deposits; double points for overseas consumption, and the points are permanently valid etc.

2. Agricultural Bank of China World Travel Credit Card

The Agricultural Bank of China World Travel Credit Card is exclusively available for consumption and cash withdrawal in any currency and through any channel around the world, with no currency conversion fee, as well as domestic and overseas purchases. Comprehensive benefits for leisure, business travel, health care, etc., especially suitable for those who travel, business, study abroad and "overseas shopping". Supreme benefits at the airport; gold card annual fee standard, platinum level benefits.

3. ICBC Global Travel Credit Card

The special features of ICBC Global Travel Credit Card are: dual channels of UnionPay and MasterCard, multiple card payment channels, available in China, and Alipay repayment It provides VIP room privileges at airports around the world; it integrates global selected preferential services in ten major industries including aviation, hotels, shopping and leisure, luxury goods, travel, study abroad, airport VIP rooms, car rental, tax refund, and rescue into one card, making it an ideal choice for customers traveling overseas. A must-have best companion.

4. China Construction Bank Dragon Card Global Payment Credit Card

The special features of China Construction Bank Dragon Card Global Payment Credit Card are: MasterCard UnionPay dual logo card, UnionPay and VISA (MasterCard) dual channels, available in China , you can use Alipay to repay; you can enjoy double points for overseas consumption; special services for international air tickets; buy air tickets and get insurance, etc.

5. China Merchants Bank’s all-currency international credit card

China Merchants Bank’s all-currency international credit card only issues VISA single-currency cards. It is issued by China Merchants Bank for customers with overseas travel and online shopping. Personal card products. This card supports the VISA line. Its biggest feature is that no matter what currency it is, there will be no foreign exchange fee for consumption or cash withdrawal; and there is no annual fee for life (many full-currency credit cards are not exempt from annual fees). In addition, China Merchants Bank’s all-currency international cards also offer many discounts (in 2015, you can enjoy 3 times the points up to 100,000 when you use the Postal Savings UnionPay all-currency credit card), and they will also come with high-value travel accident insurance.

6. Postal Savings Bank dual-label full-currency credit card

Postal Savings Bank dual-label full-currency credit card is a dual-label full-currency credit card of Postal Savings Bank of China UnionPay and MasterCard. It can be used in UnionPay offline and online networks, and it can also be used at more than 300,000 MasterCard online and offline merchants to accept card payments. The credit card has UnionPay and MasterCard dual networks for convenient switching at home and abroad. It is the first Postal Savings Bank special card with UnionPay and MasterCard. The double-label card with the logo, whether at home or abroad, you can worry-free swiping purchases with one card in hand, and enjoy double global preferential merchant benefits from UnionPay and MasterCard; most full-currency credit cards are not suitable for consumption in China, but Postal Savings Bank Dual-label full-currency credit cards can still be used for consumption in China, and they also have special functions such as tax refunds for overseas purchases and discounts for online shopping online.

7. Minsheng Visa All-Currency International Credit Card

The special features of Minsheng Bank Visa All-Currency International Credit Card are: revolving credit, convenient for advanced consumption; points are permanently valid, and points can be Redeem gift miles, repay in multiple ways, make repayment simple and convenient, etc. China Minsheng Bank’s Visa full-currency international credit card also offers many discounts, mainly discounts of up to 10% on air tickets and overseas credit card discounts.

Comparative analysis of these all-currency credit cards of the four major banks. Personally, I think the Bank of China all-currency chip card is still very good. Generally, all-currency credit cards have the same functions, such as automatic foreign exchange purchase, free payment, etc. Currency exchange fees, RMB repayment, etc. are all covered by BOC all-currency chip cards. In addition, there is an unconditional lifetime annual fee exemption policy. You must know that many all-currency credit cards are not exempt from annual fees, and the BOC All-Currency Chip Card enjoys more rights and benefits, and can also be used as a savings card. A lot. Although the Bank of China all-currency chip card is a single-channel Visa card, the applicant applies for the credit card mainly for overseas consumption, overseas shopping, etc., and domestic merchants that accept Visa cards are becoming more and more popular, so the impact will not be significant.

In addition, the ICBC Global Travel Credit Card has also been widely praised and is known as a must-have all-currency credit card overseas. It is a very good choice whether it is business travel, travel, overseas shopping or overseas study. (2015 ICBC VISA full-currency ICBC Global Travel Credit Card is a must-have overseas)!

Commercial Bank PK Judging from other commercial banks, China Merchants Bank’s all-currency international credit cards also waive annual fees, which is also good. The Postal Savings Bank dual-label full-currency credit card is applicable both abroad and domestically. It is a dual-label card with the UnionPay and MasterCard logos. It basically has the functions of other full currencies, and can be used for overseas consumption and overseas shopping. There are many, and the status of Bank of China's all-currency chip card among the four major banks is the same. Although Postal Savings Bank's credit cards may not be as famous as those of other banks, this Postal Savings Bank's double-standard all-currency credit card is definitely worth it. Introduction (2015 Minsheng Visa all-currency cards enjoy 6% cash back on overseas purchases)!

For domestic users who swipe a lot of credit cards, single-channel Visa will undoubtedly cause a lot of inconvenience. It is better to consider dual-channel credit cards of Visa/Master+UnionPay, such as ICBC Global Travel Credit Card, China Construction Bank Dragon Card Global Payment Credit Card, Postal Savings Bank dual-label credit card in all currencies. There is not much difference in the functions of these credit cards, but comparing the additional benefits and discounts of the two cards, ICBC Global Travel Credit Card and Postal Savings Bank Dual-label Full-Currency Credit Card are both very good.

Which bank has the best credit card?

China Merchants Bank, China Guangfa Bank, China Construction Bank, Industrial and Commercial Bank of China, and Agricultural Bank of China have good credit cards. There are a lot of card holders, so they are popular among credit card users. They have many discounts, professional services, quick credit limit increases, and points. The following introduces the characteristics of these bank credit cards:

1. China Merchants Bank

The country's first permanent points validity system, international 24-hour road rescue service, etc. have gradually become domestic credit cards Industry service standards. In terms of product and service innovation, China Merchants Bank Credit Card has created more than a hundred new products and services, adheres to the promotion of cross-industry cooperation model, and has successively cooperated with leading enterprises in different life fields such as department stores, tourism and sports consumption.

2. Guangfa Bank

Guangfa Bank Credit Card is the first standard credit card in China. The card has a preset credit limit in accordance with international standards. Spend first and repay later. No pre-deposit is required. You can use the credit limit for overdraft consumption and cash withdrawal transactions.

At the same time, Guangfa Bank Credit Card has issued a commercial card. This kind of commercial card can be applied in some large consumption places, hotels, etc., and will enjoy certain preferential quotas in some hotel services and reservation services. .

3. China Construction Bank

China Construction Bank Long Card Credit Card is a credit card brand with 90 million customers. It adheres to the customer-centered concept and provides customers with professional financial services and convenient Payment experience.

4. Industrial and Commercial Bank of China

ICBC takes an unusual approach in credit card approval. It does not use the data of the credit center. The approval is based on its own system star standards. If you have a debit card at ICBC, you may The chances of your card application being approved will be much greater. But if you don’t have an ICBC savings card, it will be difficult to apply for the card and raise the limit. There is no handling fee for cash withdrawals, the amount can be withdrawn quickly, the interest-free period is up to 56 days, and no interest will be charged on the part that has been repaid when the repayment is not in full.

Disadvantages: The credit limit is low, the discounts are not strong, and the points are small. You need to download the app to accept credit card information, otherwise you have to pay to subscribe to text message reminders.

5. Agricultural Bank of China

In addition to providing temporary limit increase at any time, self-service activation, 24-hour free customer service hotline, zero risk of card loss, timely SMS notification, consumption password selection, emergency Assistance, multiple repayment methods and a series of considerate services.

Combining the advantages of outlets throughout urban and rural areas, network advantages and product advantages to form powerful functional advantages.

Extended information:

Key points for applying for a credit card:

Purpose, application threshold, benefits, limit currency, installment interest, interest-free period, etc. Think about it comprehensively and finally choose a credit card that suits you.

Benefits enjoyed

Credit card rights are directly related to your actual interests. Common rights include free cash withdrawal fees, free transaction fees, high aviation accident insurance, and free annual fees. etc. In addition to these basic rights and interests, it also depends on the number of local preferential activities and whether the points are valuable

Applying a local bank

Cards with many local activities: There are a lot of factors involved in applying for a credit card The reason is to enjoy the activity. Cards with many local banks will naturally have more activities. So be sure not to apply for a credit card from a local bank, otherwise you will basically miss out on the event.

Points Value

To determine the value of credit card points, you only need to compare the goods and services that the points can be redeemed for. For example, if you often travel by plane and stay in hotels, you may need to apply for a platinum card or above, because many platinum cards have the function of redeeming airline miles and hotel stays, but each card may redeem different airlines and hotels, so as long as the points can be redeemed The services you need to use frequently are the ones with the highest points value.

Baidu Encyclopedia - Agricultural Bank of China Credit Card

Baidu Encyclopedia - Industrial and Commercial Bank of China Credit Card

Baidu Encyclopedia - China Merchants Bank Credit Card

Credit cards of major banks Comparing which bank credit card is the best

It is more difficult to apply for a bank credit card. For novices who apply for a credit card for the first time, they will inevitably have phobia. They don’t know which bank’s credit card is good, has many discounts, and is easy to apply for. We have sorted out various Characteristics of major banks, taking stock of bank credit card rankings.

The credit cards of the four major banks are the least recommended. Based on the comprehensive comparison of the discounts and user experience of various activities, I personally feel that the four major state-owned banks are the least competitive. This is probably because they believe that they already have a huge user base and do not need to spend much energy to expand the market. .

The China Merchants Bank credit card experience is good. China Merchants Bank is the first credit card I have after graduating from university. I have to say that its APP, WeChat client and various promotions are still very powerful and the experience is good, and it can be used every three months on average. Actively apply to increase the fixed limit, and the limit increases faster than other banks.

Guangfa has many activities, and the China Southern Airlines co-branded card has the fastest mileage accumulation. At that time, I wanted to apply for a China Southern Airlines mileage credit card so that I could exchange for air tickets and travel in the future. After comparing with many banks, I found that China Southern Airlines’ mileage accumulated by Guangfa was the fastest. Every time you spend 14 yuan or 2 US dollars with the card, you can automatically redeem 1 kilometer of China Southern Airlines miles, and you can accumulate double or even N times the miles through regular activities. Now I have exchanged four air tickets for free with this card. In addition, with Guangfa Card There are relatively many activities, but the disadvantage is that the quota is small, and you can only apply for a quota increase once every six months, and the quota increase is very small!

CITIC i Platinum has points for online transactions with no annual fee. 99% of platinum cards from other banks charge annual fees. Although the annual fee of CITIC i Platinum credit card is also marked as 480 yuan, it is actually equivalent to a permanent annual fee exemption: because the annual fee is waived in the first year of opening the card, and thereafter The annual fee is waived if you accumulate 12 transactions per year. 12 transactions per year is enough to make transactions with your eyes closed. Moreover, the most powerful thing about this card is that it has all the functions of other banks’ platinum cards, and you can also earn points for online transactions. , I highly recommend everyone to apply for this. If a new user applies for a credit card and has an introducer, the chance of the card being approved will be greater.

Ping An Bank credit card comes with insurance. Ping An Bank's activities are not particularly rich, but the advantage of having a standard card is that you get traffic accident insurance when you apply for the card. If you are interested, you can go to the official website to find out.

Guangzhou Bank has developed rapidly in the past two years. Guangzhou Bank has only begun to vigorously develop credit card business in the past two years, so there are more preferential activities in cooperation with merchants. Friends in Guangzhou can pay attention to it.

Bank of Communications approves a relatively generous amount. The Bank of Communications credit card approval card that I and several friends applied for has a relatively generous credit limit, but its most famous weekly swiping activity actually forces you to make purchases every week. I don’t recommend that you do it just to win the prize. Go for impulse purchases.

In addition, there are credit cards such as Industrial Bank and China Everbright Bank. I heard that sometimes the activities are quite good.

However, although credit cards have many benefits, it is by no means better to hold more cards, otherwise it will easily cause management confusion for lazy people.

Which bank’s credit card is better?

Credit cards with good reputations and creditworthiness currently on the market include: China Merchants Bank Credit Card, Ping An Bank Credit Card, China Guangfa Bank Credit Card, China Everbright Bank Credit Card, China Merchants Bank Credit Card, etc. They are all good choices. Of course, credit cards The specific amount depends on individual qualifications. It is impossible to generalize which bank's credit card is the best, as long as it suits the user himself, it is the best. The following is the situation of some bank credit cards:

1. Industrial and Commercial Bank of China: Easy repayment, high credit limit, but the application conditions are strict.

2. Bank of China: The credit limit is low, the activity points are relatively few, and repayment is convenient.

3. China Merchants Bank: The success rate of card application is high, the credit limit is relatively high and there are many activities, and repayment is also very convenient. It has powerful functions, many types of cards, high efficiency, high-quality services, you can adjust the consumer credit limit at any time, powerful online banking, lifetime points system, and the latest card loss protection plan. The disadvantage is that the points policy is too restrictive. The SMS reminder function is not very good.

4. China CITIC Bank: There are many discounts and strong discounts, but the credit limit is average. The interest-free period is up to 56 days, text message reminders are free, and consumption details can be checked via mobile text messages.

5. China Everbright Bank: It has a high success rate in applying for a card, a higher limit and a faster limit increase, and many points activities.

6. Guangfa Bank, no need to submit any materials. This is the only bank where you can apply online. As long as you fill in and submit the information truthfully online, someone at the card center will contact you within 15 working days to check your credit. The result is that Guangfa Card has relatively powerful functions, a very favorable points policy, many discounts, timely text message reminders, and online payment. It is relatively mature and supports Taobao and eBay as well as points. It is one of the must-have cards. The disadvantages are that it is not very convenient to repay due to the small number of outlets, SMS charges are three yuan per month, credit card merchants are not as popular as those of the four major banks, and online banking is very rudimentary.

7. HSBC is the major shareholder of Bank of Communications. It is best to bring a Pacific Card when going to Hong Kong. But there is currently no online payment function. The disadvantage is that the credit limit cannot be restored immediately after repayment, and the credit card approval rate is relatively low.

8. Shanghai Pudong Development Bank: The approval is relatively fast, the online banking is good, and the recent promotions are generous. The points are valid for 2-4 years, which is not very good, but the points can be exchanged.

This ends the introduction to the comparison of credit cards of various banks and the comparison and ranking of bank credit cards. I wonder if you have found the information you need?