Which Minsheng Credit Card is worth doing? Recommend several entry-level livelihood cards!
The credit card of China Minsheng Bank is not prominent among many banks, which is not as famous as China Merchants Bank, nor as active as Pudong Development Bank.
But the credit card activity of Minsheng Bank is one of the favorites of the Wool Party.
1. Basic knowledge
1. Minsheng credit card account consolidation, just like China Merchants Bank, even if you apply for 1 Minsheng credit cards, there is only one account, only one bill will be issued, and the repayment will only be returned to any card.
The advantage of account merging is that it won't pollute the personal newspaper, as all the old drivers who took part in the Minsheng UnionPay 62 activity for several months at the end of last year know.
2. Minsheng Credit Card basically has no points for online payment, while offline payment has points for most life scenarios.
note that there is no score for refueling MCC.
Minsheng credit card points are usually valid for 3 years.
3. Minsheng Credit Card ranks in turn as Puka, Gold Card, Standard Platinum Card, Luxury Platinum Card, Express Centurion Platinum Card, Diamond Card, Unlimited Card and Express Centurion Black Gold Card.
gold card: every year in 3 yuan, if you spend a sum within two months after issuing the card, you will be exempted from the first year, and if you swipe your card for 5 or 1 times, you will be exempted from the annual fee for the following year;
standard platinum card: every year in 6 yuan, if you spend one sum within two months after issuing the card, you will be exempted from the first year. In that year, you can accumulate 18 points or 5, yuan, and you will be exempted from the annual fee for the following year.
luxury platinum and above are rigid annual fees.
2. Some entry-level credit cards
1. Minsheng in Card
This is Hua Dan, the master of people's livelihood, and he is indispensable for any activity.
main activities: 1 points to grab a Starbucks mug electronic coupon.
the activity is valid until September 3th, 217, and there is a 99% chance that it will be renewed.
2. Minsheng Car Card
I think this is the best credit card for people's livelihood, especially the standard platinum card for cars, which has the highest cost performance.
Main activities:
Gold card: if the monthly integral consumption is over 1,5 yuan, you will be given two car washes in 1 yuan, and 5% of the fuel money will be returned (the maximum 5 yuan is 1 yuan);
bidding: if the monthly integral consumption reaches 2,5 yuan, you will be given 4 car washes in 1 yuan, and 8% of the fuel money will be returned (the maximum 1 yuan is 1,25 yuan);
haobai: if the monthly integral consumption reaches 3, yuan, you will be given four car washes in 1 yuan, and 15% of the fuel money will be returned (the highest 2 yuan is 1,335 yuan).
Refueling money is very convenient to collect now. Don't miss it if you have a car.
why is the Minsheng car card so worth recommending?
Because there are no gas stations, 5541, 5542, etc. can participate.
3. Minsheng White Bar Co-branded Card
Main activities:
The activities will last until the end of February 218.
Third, people's livelihood activities
1. People's livelihood activities are the first to promote "People's Livelihood Everyday"
The activities will last until May 2, 218. The most valuable things in people's livelihood every day are food coupons on Friday and movie coupons on Saturday.
2. During the period from September 12th to November 7th, every Tuesday (1:-23:59), Minsheng Credit Card customers bought physical goods in JD.COM Mall (PC and mobile terminal) and successfully made a transaction by using Minsheng Credit Card Jingdong, which reduced 3 yuan for a single transaction over 2 yuan and above, and limited the participation of the first 2, users every day.
each cardholder is limited to one discount per day.
3. During the period from November 14th to January 2nd, every Tuesday (1:-23:59), Minsheng Credit Card customers bought physical goods in JD.COM Mall (PC and mobile terminal) and successfully made a transaction by using Minsheng Credit Card Jingdong, with a single payment of 3 yuan and above reduced to 5 yuan, with the participation of the top 1,5 users per day.
each cardholder is limited to one discount per day.
there are many small activities that I won't list one by one.
How much is the annual fee of Minsheng Bank's credit card
This depends on the situation:
Main card: the annual fee standard is 1 yuan; Puka supplementary card: the annual fee standard is 5 yuan;
gold master card: the annual fee standard is 3 yuan; Gold supplementary card: the annual fee standard is 15 yuan;
platinum card: the annual fee standard is 6 yuan.
The annual fee of Minsheng Bank's credit card is charged annually. If you swipe your card once within 2 months after the card is verified, the annual fee in the first year can be exempted. If you swipe your card for 8 times in that year, the annual fee in the next year can be free.
Actually,
Minsheng Bank credit card is still very good. At present, there are many types of credit cards for Minsheng Bank to choose from, such as:
1. Cards that you can choose frequently when traveling include: Minsheng Air China Companion Credit Card, Minsheng Southern Airlines Pearl Credit Card, Minsheng HNA Credit Card, etc.
2. The cards that can often be selected abroad are: Minsheng VISA full currency credit card, Minsheng standard dual currency credit card, etc.
3. Cards that you can choose if you like shopping are: Minsheng Hanshen Department Store co-branded credit card, Minsheng.com Tesco installment credit card, etc.
Supplement: The credit card points of China Minsheng Bank are all relatively high in terms of credit card points used by banks. In addition, China Minsheng Bank has several advantages. First, the installment service of the credit card of the People's Bank of China will not occupy the credit card's usage quota. And there is no need to charge any handling fee for cash withdrawal by credit card. What's more, if you are a gold card user of China Minsheng Bank, you can also enjoy a lawyer service and business travel reservation. Finally, the ID card he provided is very personalized and can be customized by users, but this requires users to pay a certain fee for business card printing.
The disadvantage of China Minsheng Bank Credit Card is that there are few business outlets, so users may feel a little inconvenient when they need to handle related business at the business outlets. Another is to support Alipay consumption. But for this consumption, there are consumption restrictions. Single consumption shall not exceed RMB in 1 yuan, and the maximum amount of accumulated consumption per day shall be limited to RMB 5,. But this restriction should be enough for us ordinary users.
What is the standard platinum card of Minsheng UnionPay?
Minsheng UnionPay Standard Platinum Card is a digital credit card product jointly launched by China Minsheng Bank and China UnionPay. This product is designed with the concept of "convenient application and immediate activation" and around the rights system of "payment and unlimited enjoyment" to create a safe and fast digital experience.
the biggest advantage of "card" over traditional bank cards is that it can be applied online, tied with one button and easily managed. Users can operate online on multiple platforms, such as China Unionpay Quick Pass APP, commercial bank APP or mobile phone manufacturer's wallet, and can quickly apply for a card in just a few simple steps. Take the application and opening of China Unionpay Quick Pass APP as an example:
The opening process is simple, and the approval time is seconds. After successful application, financial functions such as wealth management, consumption and payment are fully supported, and they can be tied to merchant apps such as JD.COM and Du Xiaoman with one click to meet the consumption needs of various scenarios. At the same time, the card also supports "card-code integration", which can be used to flash payment with mobile phone or scan QR code, and the payment method is flexible.
in addition, users can view and manage unionpay card transactions in real time in China Unionpay Quick Pass APP and other applications.
this time, China unionpay developed the first digital bank card product with the support of all parties in the industry, which is a new attempt to promote the digital upgrade of payment services, and also helps to promote the coordinated development of various mobile payment products with China Unionpay Quick Pass APP as the core and consistent with the unified standards of the banking industry, and its wide application in important convenience scenes.
Global use, benefits
This UnionPay card is issued simultaneously at home and abroad, which supports the usage scenarios of the global UnionPay standard. At present, 17 national commercial banks, some regional banks and Internet banks such as Jiangsu Bank and Weizhong Bank will join the first batch of pilot projects.
It is understood that from now on, cardholders can apply for the card one after another through the China Unionpay Quick Pass APP UnionPay card zone and the commercial bank APP, and they can also enjoy the digital gift certificate of 5 yuan Shangchao through the China Unionpay Quick Pass APP, and deduct cash when shopping at supermarkets such as Wal-Mart, Carrefour and Family Mart.
in addition, unionpay card also provides users with rich exclusive card rights covering the whole world. Including:
membership benefits: there are more than six transactions per quarter, and there are also popular membership benefits such as JD.COM PLUS members, Tencent Video VIP members, Zhihu Salt Selection members, Keep members, etc.;
corporate * * * payment rights and interests: cardholders can enjoy monthly discount when recharging, paying and repaying through China Unionpay Quick Pass APP mobile phone;
rights and interests of Shangchao gift certificate: fully opened card can be enjoyed by Shangchao convenience deduction coupon, which is worth 5 yuan;
protect the rights and interests with the card: the cardholder can get the insurance for the loss of stolen brush with a maximum amount of 3, yuan for free after successful insurance, which will give the account more security protection;
UnionPay consumption benefits in domestic and overseas business circles: cardholders can enjoy UnionPay consumption benefits covering domestic and overseas business circles, including full discount for hotels in Trip.com, free cup promotion for Starbucks in Hong Kong and Macao, ticket discount for Yicang Art Museum, cross-border cash back, "excellent plan" and other benefits.
that's enough for the introduction of Minsheng unionpay credit card.