Originally I planned to write this article in late March, but I really couldn’t hold it off

The group has been discussing this card, with the annual fee waived and the best 8.3:1 redemption rate for miles. Rights and interests are bright. The online application review speed of Bank of Communications and Industrial Bank is very fast, the system review is passed, and the card processing speed can be described as "seconds".

The picture below led to this article

As for the Industrial Credit Card, everyone is more familiar with the Industrial Xingyou Platinum Card, but the annual rigid annual fee is 900 yuan. 12 trips to the VIP lounge at the airport, 4 domestic airport pickups and 2 overseas airport transfers (in a natural year), and points exchange for miles at a ratio of 10:1 (a maximum of 200,000 points can be exchanged per calendar year). The benefits are suitable for business travelers. And you can only redeem 20,000 miles per year, which is still a little less for cardholders who often participate in Xingye activities.

To this end, we will also apply for some multi-point cards and cards with higher mileage limits for points exchange, such as Xingye New Rider Card (multiple points, Elite White also has a 3-time points card, but it can only (It can be processed at various outlets, and there are regional restrictions). For example, for those who really need mileage, they will apply for some China Southern Airlines and China Eastern Airlines co-branded platinum cards.

The above cards are all good cards, but new riders with multiple points cannot apply online. Industrial Bank Youbai has a rigid annual fee and benefits suitable for business travelers.

So if you don’t really need Xingyoubai’s rights, but you want to participate in major industrial activities (pay every month, get higher every month) and get the best proportion of points you can get by swiping your card, which card would you choose?

Here, Mumu will recommend you this Industrial Life Insurance Elite Platinum Card with no annual fee and 3 times the points. This card can be redeemed for up to 1.2 million points every year (20 more points than Xingyoubai). 10,000 points is much higher), and more importantly, this multi-point card can also be applied for online...

The Industrial PICC Property and Casualty Co-branded Card is a comprehensive card signed by PICC Property and Casualty Insurance Company of China and Industrial Bank in Fuzhou. The strategic cooperation agreement also announced the launch of a co-branded credit card. Everyone can apply for it. It does not require you to buy PICC Property and Casualty Insurance.

Industrial PICC Wealth Platinum Card (Elite Edition)

Annual fee

Regarding the annual fee, whether it is the first or second Industrial Bank card, as long as it is the first time to apply for the Industrial Bank card The PICC Wealth Elite Platinum Card can reduce the annual fee. The annual fee reduction method is: 2,000 yuan of consumption in the first year is exempted, and the next year's annual fee is waived when points are accumulated over 30,000 yuan:

"Exclusive first-year annual fee discount: first-time successful applicant for the Property and Casualty Insurance Credit Card Platinum Card ( Elite Edition) customers who make transactions of RMB 2,000 or the equivalent in foreign currencies within 60 days of card approval will be entitled to a reduction in the first-year annual fee.

Exclusive discount on the next year's annual fee: within one year after the card is successfully approved. The annual fee for the next year will be waived if you make a point transaction of RMB 30,000 or more. ”

Industrial Elite Platinum Card can waive the annual fee, and the threshold for exemption is not high. For those with strong spending power, the annual fee for the first year is not a problem at all. If you participate in major activities such as increasing your spending and paying every month, the annual fee for the following year will be easily reduced. If the annual fee is stressful for the next year, you can also apply for a gold card that can be easily waived to participate in daily activities.

3x points benefits

There are many Xingye multiple points cards, such as Xingye New Rider Card, Xingye Golden Shield Petrochemical DIY Card, Xingye 273 Rider Co-branded Card, Xingye Oil Card, These cards are all multi-point cards, but most of them are restricted to limited areas. Xingye PICC Elite White currently has no restricted areas, which is good news!

There are conditions for 3 times the points: designated MCC merchants have 3 times the points, and the points reward limit is high

At gas merchants (MCC is 5541, 5542), catering merchants (MCC is 5812) , 5813), hotel merchants (MCC7011, 7012) and overseas merchants can earn 3 times points (basic points + 2 times bonus points).

Regarding the setting of the reward limit, gas merchants can reward up to 80,000 points, and the reward for consumption is capped at 40,000 yuan; other multiple merchants can reward up to 1.08 million points, and there is a reward cap of 540,000 for consumption (108/2).

If you want to get the capped bonus points, you have to spend 580,000. To get 1.74 million points (basic and bonus points), no one should be able to spend so much...

What are the points used for? Woolen cloth?

There are also some cardholders who simply use their cards to meet the standards to participate in the Xingye Vitality 6-point activity. The points can be redeemed twice a month for Watsons, Pizza Hut, Decathlon, Haagen-Dazs, GODIVA, and Burger King. , Xiabuxiabu, etc., you can only give them as gifts if you meet the consumption standards. Although the requirements are very low, I still want to accumulate more points!

Used in combination cards

Many people have needs for airport transfers and business travel rights, so they apply for Xingyoubai, but they have too many points and often participate in industrial activities. For big events, add some cards with good benefits and a relatively high limit for points exchange for miles.

Those who travel for business and are active in many activities: Industrial Travel Insurance (?New Car Friends? Airlines Co-branded Card)

Those who do not travel and are active in many activities: Industrial People's Insurance Company (? Co-branded card)

Only participate in ordinary activities: Industrial Life Insurance First Year? PASS Card

Industrial Platinum is generally divided into: Elite Edition, You Series, Standard Edition, the annual fee for the Elite Edition is The annual fee of 900 for the You series is non-deductible, and the annual fee of 2600 for the standard version is non-deductible. Personally, I think it would be better to get a more relaxed Elite Card.

Many cardholders believe that Industrial Insurance’s PICC card has already surpassed Industrial Bank’s Youbai card!

This is not quite right. The two cards target different groups of people. How can they be compared? Xingyoubai is also a card with good benefits. After all, Xingyoubai has a rigid annual fee of 900 and is very generous in terms of airport lounge and airport transfer rights! However, if the rights and interests are not used, it is indeed enough to become an Industrial People's Insurance Elite and participate in activities in vain.

A table summary of several Xingye multiple point cards has been made, and the annual fees and restricted areas have been supplemented: