The advantages of Bank of Communications credit card include free annual fee in the first year, free annual fee in the next year for some types of cards after a specified number of swipes, and short message service. There are more bank outlets than other non-state-owned commercial banks, which is convenient for customers to handle related business. In terms of points, Bank of Communications provides a wealth of gift options for points redemption. These characteristics make the Bank of Communications credit card attractive and practical.