Many banks, such as Bank of China, China Merchants Bank, China Guangfa Bank and China CITIC Bank, etc., all provide co-branded credit card services with airlines. For platinum or diamond card users of these banks, especially cardholders who hold airline co-branded cards, they can usually enjoy VIP benefits, including airport lounge services. However, it is worth noting that platinum credit cards usually require an annual fee and have a limited number of uses. For example, some are limited to one use per day, and some have a fixed number of times in a year.

Co-branded credit cards are the product of cooperation between banks and airlines. They combine the functions of credit cards and airline membership cards. These cards usually have a credit card logo (such as UnionPay, Visa, Master or American Express) and the airline's membership number, such as Air China's Zhiyin Card. The membership information is displayed in pinyin letters, and the activation date and validity period are indicated on the card.

Bank credit card levels usually include ordinary, gold, platinum and unlimited cards. The levels of co-branded cards correspond to airline card levels based on cooperation agreements. For example, Air China's co-branded card holders, according to Star Alliance regulations, become Star Alliance Silver Card members, while Gold and Platinum Card members are upgraded to Star Alliance Gold Card members, enjoying benefits such as VIP lounges, mileage rewards, and free baggage. Consignment and other premium services.

SkyTeam Alliance and China Southern Airlines Sky Pearl Cards also have similar tier systems, and members holding gold cards can enjoy corresponding VIP treatment. Generally speaking, cardholders who hold co-branded cards between banks and airlines can experience high-end financial services and the exclusive rights of airline VIPs.