This article sorted out the platinum cards of various banks on the market from the three dimensions of difficulty in applying for the card, annual fees and benefits, and gave a certain weight to them, and selected the 10 best ones. This article is based on cost-effective platinum cards. I hope it can provide you with some useful suggestions on the way to apply for a platinum card.

Tenth place: Citi gift card "★★☆"

Ease of application: ★★ (the more stars, the easier it is)

1 ) You can apply online, but you don’t mind having too many lines; 2) You can buy financial management with bricks and mortar to achieve overtaking in corners, but the financial management of foreign banks is not so good, so you don’t have to miss it after the card is approved;

3) Applicants must be over 18 years old (inclusive) and have full capacity for civil conduct. The applicant must have a stable income occupation, have solvency and good credit; the applicant's company address must be in Beijing, Shanghai, Guangzhou or Shenzhen (Citibank online application only); the monthly salary before tax is RMB 10,000 or above. Apply for a Citi Gift Card. This is the official statement. According to actual tests, Citigroup is more concerned about cardholders from multiple banks, so it is best to apply for credit cards (debit cards) concurrently during a period of time. In this way, the time difference between the news and newspaper updates can increase the probability of your card being approved by multiple banks. Greatly improved.

Ease of annual fee exemption: ★★★ (the more stars, the easier it is)

1) 1,400 for the main card and 700 for the supplementary card (the main card will give you 1,000 yuan every year) Jingdong e-card or Ctrip’s Go Travel Card), the annual fee is basically reimbursed

2) Mileage deduction: 20,000 Citi gift miles can be deducted, and the supplementary card can be deducted with 10,000 Citi gift miles. This ratio is very bad , so it is not recommended to redeem

Benefits: ★★★

1) Apply for gifts: From April 1, 2018 to June 30, 2018, successfully apply for Citi gifts for the first time New customers of Cheng Card who meet the corresponding conditions within 60 days (natural days) after the card is approved will receive 5,000 Citi miles. If the accumulated qualifying consumption reaches 10,000 yuan, an additional 10,000 Citi miles will be added;

2) Citi Gift Miles can be redeemed for airline miles at a ratio of 1:1. Currently, Citi supports a complete range of airlines (Air China, China Southern Airlines, China Eastern Airlines, Awan, Qatar Airways, Air France, Singapore Airlines, Etihad, Garuda Indonesia, Evergreen, Virgin, Qantas);

3) 6 Dragon Points, it is recommended to use them every time you eat. A lot of points were wasted this year (3 times with supplementary card);

4) Airport pick-up and drop-off within 60 kilometers is free (3-seater 89, 5-seater business 149, foreigners’ cars have two seats less...);

5) Redeem credit card (debit card) deposit and gifts: 800 Citi miles can be exchanged for 20 RMB, and 1,500 Citi miles for USD cards can be exchanged for 5 USD. According to the ratio of credit card (debit card) 12:1 and USD 1:1, the reward for 9,600 RMB is 20 RMB. This rate of return is too low and has no bright spots. It is the same as other scumbag shops, so it is recommended to keep the etiquette.

6) Currently the only bank card that can directly transfer points to other people’s accounts, and the “points” of gift cards are actually airline miles or hotel points. This is currently and The fastest and easiest way to get miles from multiple airlines according to the rules is that you only need to have one card, keep it every year, participate in some activities, and the annual fee will be paid back in minutes;

7) Citi has at least three credit card (debit card) cashback activities every year, as well as irregular lottery activities. Basically, they are all good returns, low-key and worth participating.

Ninth place: Ping An Travel White "★★★"

Ease of application: ★ (the more stars, the easier it is)

1) Yes Online application;

2) You can apply for a card with a house, a car, a card, assets, Ping An Life insurance policies, and high-quality occupations, etc.

Ease of annual fee exemption: ★★★★★ (the more stars, the easier it is)

1,200 for the main card in the first year and 800 for the supplementary card (200,000 consumption in the next year, The supplementary card reduction and exemption rules are the same as those of the main card)

Rights: ★★★

1) Travel consumption - air tickets (4511), hotels (7011), travel agencies (4722) feedback 1 %, the rebate can be redeemed only when the rebate is greater than or equal to 100 yuan, and the monthly redemption limit is 500 yuan; the rebate is valid for one year and can be used to offset consumption in the account; there are no points for specific MCC consumption, only rebates, but they are counted as accumulated consumption Amount (Ping An’s own activities);

2) 12% off on gas: The platinum card comes with the function of a car card. You can get 12% off on gas when you spend 2,000 yuan per month, with a cap of 80 yuan, and you can recharge 50 online. 200, and you don’t need to sign up for the Platinum Card, you can participate directly;

3) Ping An Super Pay: If you meet the consumption standards, you will receive a mall coupon. Once every three months, if you use the travel bonus, this activity will be superimposed, so it is a free pick. Moreover, in some activities, even if you spend online without points, you can also accumulate consumption amount;

4) Ping An’s recommendations to new customers are the most generous, so you know.

Eighth place: CITIC Easy Card Newbie "★★★"

Ease of application: ★★★★ (the more stars, the easier it is)

< p> 1) Online application: Integrated lending and borrowing account, holding a CITIC Bank Class I savings card, the Yika debit card function needs to be downgraded to a Class II card, the limit is not high, and the income is reduced;

2) Counter entry: You can apply for a card, it is not difficult, the limit is high, and the limit is greater than 50,000, this card is meaningful.

Ease of annual fee exemption: ★★ (the more stars, the easier it is) Little Platinum 480 yuan annual fee, 60,000 points can be deducted in the next year

Rights and interests: ★★★

1) The most important benefit of this card is that the reward points multiple is linked to the assets in CITIC: assets ≤ 5W, Platinum Card 3 times points; 5W < assets ≤ 20W, Platinum Card 6 times points; assets ＞20W, 9 times the points for the Platinum Card, and the upper limit of reward points earned per bill month is 9 times the fixed amount, so the amount is very important;

2) Points exchange for miles: 12,500 points exchanged for 500 points Mileage, with 9 times points bonus, is equivalent to a ratio of 2.8:1. The total annual limit of Air China, China Eastern Airlines, China Southern Airlines and Hainan Airlines is 15W, and the upper limit of Asia Miles is 5W, ***20W;

3) 9 shares Redeem rights; 4) 9 yuan movie rights; 5) Wonderful 365 rights, etc.

Seventh place: Industrial Hong Youbai "★★★☆"

Ease of application: ★★★★★ (the more stars, the easier it is)

1) Bai Hu Nao applies for a card;

2) Credit cards (debit cards) with a limit of more than 30,000 from other banks that have been used for more than half a year can be applied for by applying for a card;

< p> 3) Capped social security base, etc.

Ease of annual fee exemption: ★★ (the more stars, the easier it is) Rigid annual fee for the main card is 900

Rights: ★★★

1 ) Airport transfer rights: 4 domestic airport transfers + 2 overseas airport transfers, easily worth the annual fee;

2) CIP airport rapid security check and VIP lounge privileges: I can use domestic airports 12 times in a calendar year CIP airport VIP lounge service and free companionship for 2 people;

3) Mileage redemption: Miles can be redeemed for Air China, China Eastern Airlines, China Southern Airlines and Hainan Airlines at a ratio of 10:1, with a maximum limit of 20,000 per year; < /p>

4) Free supreme car rental for one day;

5) Roadside assistance;

6) Aviation accident insurance, delay insurance and car rental benefits, etc.

Sixth place: Guangfa Airlines co-branded platinum card (not limited to China Southern Airlines) "★★★☆"

Ease of application: ★★★ (the more stars, the easier it is)

1) When the water is released, directly apply online for instant approval, such as Shandong Airlines Bai in the early stage;

2) Invitation processing;

3) Branch assets are processed or apply for a card by card.

Ease of annual fee exemption: ★ (the more stars, the easier it is) The main card has a rigid annual fee of 2,500

Rights: ★★★★★

1) Equipped with a Longteng Card for free, you can enjoy VIP benefits at Longteng Airport and high-speed rail for free, covering more than 200 major domestic and foreign cities such as Beijing, Shanghai, Guangzhou, Shenzhen, Hong Kong, Tokyo, and New York;

2 ) A Priority Pass card is issued for free, and you can use the Priority Pass for unlimited times with the card. You can enjoy VIP benefits in more than 600 airport VIP lounges around the world, whether at home or abroad;

3) You can enjoy it for free VIP appointment registration service and 3 medical guidance services at tertiary hospitals in major domestic cities three times a year;

4) Mileage redemption: 7 yuan for domestic consumption is exchanged for 1 air mile, and 1 US dollar for overseas consumption is exchanged for 1 air mile. , the maximum annual limit is 600,000 valid consumption points, and when combined with other activities, the total is approximately 100,000 air miles per year. Multiple points and points from specific merchants are changed to mall coupons once a quarter.

5) The card comes with aviation accident insurance of up to RMB 5 million, which can also be benefited by family members traveling with you;

6) When you encounter difficulties while traveling or on a business trip, you can call 24 at any time Hours of global emergency support service hotline, enjoy a variety of emergency support services, including: emergency card replacement, emergency cash advance, translation services, lost luggage support services, etc.; 7) When you are abroad, you can call the 24-hour platinum secretarial service hotline at any time, according to It can provide considerate services such as restaurant reservations, hotel reservations, and medical consultations; it can provide cardholders with a full range of travel VIP services, so the Guangfa Airlines co-branded card is particularly suitable for business travelers.

Fifth place: Standard Chartered Elite Platinum Card "★★★☆"

Ease of application: ★★ (the more stars, the easier it is)

1) Cities where you can apply online: Beijing, Shanghai, Guangzhou, Shenzhen, Suzhou, Hangzhou, Chongqing, Chengdu, Xiamen. In cities other than the above, you can go to local branches to apply;

2) Qualified "Priority Financial Management" customers You can apply directly, and the card approval rate is high;

3) There is a high probability that the card will not be approved if there are more than 6 lines, so it is recommended to apply first.

Ease of annual fee exemption: ★★★★ (the more stars, the easier it is). The first-year annual fee is 2,500 yuan. For qualified "priority financial management" customers, apply for the Zhencheng Platinum Credit Card (credit card) The annual fee of RMB 2,500 will be waived, and the annual fee of credit card (debit card) for the following year will be waived if the total consumption in RMB and U.S. dollars for the year exceeds RMB 150,000 equivalent.

Rights: ★★★★

1) High-speed rail/airport pick-up and drop-off service: four times a year airport/high-speed rail dedicated car pick-up and drop-off service;

2) Global Airport high-speed rail VIP benefits: Choose between Priority Pass and Longteng, and enjoy 8 benefits per year;

3) Points plan: 3 points for 1 RMB spent domestically, 10 points for 1 USD spent overseas, and you can Redeem mileage from Singapore Airlines, Asia Miles, China Eastern Airlines, Air China and other airlines at 36:1, with an annual limit of 100,000 miles;

4) Card protection: fraud insurance, flight delay insurance , checked baggage delay insurance, etc.;

5) Limited-time new household gift: Before July 31, 2018, the number of purchases within 90 days after the card is approved has reached 6 transactions and the single point-accrued consumption has reached 266 yuan ( Including) or the equivalent in US dollars, you can choose one of three options: LEXON 20-inch cabin suitcase + 240,000 points, 540,000 points or WMF portable fruit smoothie machine;

6) 2018 Haoban Duo offers a double gift of cash back: 5% cash back on Tuesday online shopping with UnionPay card, up to 200 yuan per month; 10% cash back on overseas purchases with Visa card, up to 200 US dollars per month. Qualified priority banking customers can enjoy 20% overseas cash rebate, up to US$300 per month.

Fourth place: Bank of Communications Bai Qilin "★★★☆"

Ease of application: ★★★★ (the more stars, the easier it is)

1) Apply for the card at Baihu Ditan for the first time;

2) Receive an invitation text message from the genuine Bank of Communications;

3) You can apply online, and the general card limit exceeds 30,000 , few lines or low total credit limit, it is easy to pass;

4) Ward Financial Management customers who meet the standards.

Ease of annual fee exemption: ★★★★ (the more stars, the easier it is). The annual fee is 1,000. Within 45 days of approving the card, you can make 3 purchases at any time, each of which is RMB 168, that is The first-year annual fee can be waived, and the next year you can use 250,000 points to offset it or participate in the local tycoon index for 6 months to get the annual fee waived.

Benefits: ★★★

1) Airport "Ward Fortune" airport VIP lounge service: The main cardholder can enjoy 6 times of "Ward Fortune" airport VIP lounge service, The holders of the three supplementary cards can each enjoy 6 times of "Ward Fortune" airport VIP lounge services;

2) Airport VIP Lounge benefits: The main card holder can enjoy 6 times of "Longteng VIP Lounge" services. Holders of three supplementary cards can enjoy 6 Longteng VIP Lounge services;

3) Drinking and driving service: In more than 70 cities across the country, 50 kilometers/time drinking and driving service is available throughout the year Enjoy 6 times each;

4) Points can be redeemed for mileage at a ratio of 18:1 for airline miles (Air China, China Eastern Airlines, China Southern Airlines, Hainan Airlines, Asia Miles), and the upper limit is a total of 300,000 miles per year (all airlines The company’s accumulated mileage redemption points limit is 540W/year).

Third place: China Merchants Bank Classic White "★★★☆"

Ease of application: ★★ (the more stars, the easier it is)

1 ) Normally use the card, and the natural graduation gold card limit reaches 50,000, or the installment graduation limit reaches 60,000, you can try to apply for classic white. If you apply for the fixed limit of mobile life, there will be a green channel, and the pass rate is very high;

2) Gold Sunflower customers can apply if their assets reach an average of 50W per day for 3 months;

Ease of annual fee exemption: ★★★★★ (the more stars, the easier it is). The annual fee is 3,600 yuan, which can be offset by 10,000 points. Deduction, 10 times the points on your birthday, capped at 10,000 points, registration required, and spending 22,240 yuan.

Rights: ★★★★

1) 4+2 room nights per year “30100” high-end hotel rights;

2) 6 airport visits per year VIP lounge service;

3) One free oral care service and one physical examination service per year (transferable);

4) Points exchange for mileage: 1,500 points can be exchanged for 2,000 Air China and China Eastern Airlines , China Southern Airlines miles, 1,800 points can be exchanged for 2,000 Asia Miles, 50,000 miles per household per year;

5) Aviation accident insurance up to 15 million yuan, travel inconvenience insurance up to 2,000 yuan (including flight delays).

Second place: Minsheng Elite White "★★★★"

Ease of application: ★★★★ (the more stars, the easier it is)

1) Proof of annual salary of RMB 200,000 is required;

2) Proof of real estate worth RMB 2.4 million is required;

3) Already have high-level cards (Hao Bai, Centurion Platinum and above) High) There is a probability of not approving the card;

Ease of annual fee exemption: ★★★★ (the more stars, the easier it is). The annual fee is 1,800 yuan/year. If you accumulate 200,000 exclusive points, you can The annual fee will be automatically deducted on the annual fee date of the following year. Before March 31, 2019 (inclusive), if there is no Minsheng Credit Card (credit card) activation record under your name, you can enjoy the annual fee exemption for the first year after activation.

Benefits: ★★★★

1) Points: 900 points are obtained in each fee cycle, and the points can be redeemed for airport CIP (full set of departure services for guests), airport lounges, Luxurious hotel room nights, physical examination services, dental services, registration services, etc.;

2) Exclusive luxury accommodation experience: *** Level 4: 299 yuan + 200 points; 399 yuan + 200 points ; 499 yuan + 200 points; 599 yuan + 200 points, which can be redeemed once per calendar year;

3) Priority Pass airport VIP lounge benefits: The main cardholder can enjoy unlimited Priority Pass airport VIP lounge service;

4) Points can be redeemed for mileage: 15:1 ratio for airline miles (Air China, China Eastern Airlines, China Southern Airlines, Hainan Airlines), the upper limit is a total of 20,000 miles per year, and the ratio is touching after exceeding;

5) Travel accident insurance, aviation delay insurance and road rescue, etc., such as unlimited trips for 1,000 yuan for 2 hours.

First place: Pufa Express White "★★★★"

Ease of application: ★ (the more stars, the easier it is)

1) You can apply online, and the possibility of rejection within seconds is very high;

2) Offline real estate, car products, income certificates, capped social security bases or specific installment products are more likely to be approved;

Ease of annual fee exemption: ★★★★★ (the more stars, the easier it is). The annual fee is 3,600 yuan, which is waived in the first year and can be deducted with 200,000 points in the following year.

Benefits: ★★★★★

1) Exclusive luxury accommodation experience: 50,000 points can be redeemed for luxury hotels, and hotel rights can be redeemed twice during the event;

< p> 2) Free domestic airport pick-up and drop-off rights: you can enjoy exclusive free airport pick-up and drop-off services in more than 40 major cities, 4 times a year;

3) Priority Pass airport VIP lounge benefits: main card holder People can enjoy unlimited Priority Pass airport VIP lounge services, and can bring 7 companions for free throughout the year;

4) Points can be redeemed for mileage: 12:1 ratio for airline miles (Air China, China Eastern Airlines, China Southern Airlines, Hainan Airlines), the upper limit is 100,000 miles per year (the upper limit for Hainan Airlines is 60,000 miles per year);

5) Until June 30, if you book a hotel room in Shangri-La in China in advance, you can enjoy a free extension for the second night Stay privileges are limited to 5,000 room nights during the event, and you can enjoy the benefits up to 2 times;

6) Just use the Shanghai Pudong Development Express Platinum Card to pay in full 70% of the air tickets or tour fees for yourself, your spouse, and your children. For the above fee, you can enjoy aviation accident insurance up to 15 million yuan and travel inconvenience insurance up to 5,000 yuan; the Reliable Flying activity is over.

7) Domestic and international medical and travel assistance services, etc.