An annual fee is charged.

Once Diamond Card, Platinum Card, Titanium Card and other products are issued, an annual fee will be charged regardless of whether they are activated or not, except for products with special instructions. Industrial Bank will no longer refund the annual fees collected; any adverse impact on the personal credit record caused by overdue annual fees will be borne by the cardholder himself.

Indeed, Xingye’s Platinum Card does charge an annual fee once it is issued.

Because the VIP card provides additional value-added services compared to other cards

You can swipe the card after activation and use points to offset the annual fee.

The cards of its brands (pronounced "xíng", not "háng") are divided into three types: (standard version), platinum card (you series), and platinum card (elite version). Almost everyone in the frequent flyer circle has one of the Industrial Bank Cards, and most people will choose the Industrial Bank Cardyo Series. The focus of this issue is on this Industrial Bank Platinum Card Series (referred to as "Industrial Bank Card").

Artifact--Industrial Bank Xing Youbai

This is a card that has been magical for many years. It stands on the throne of the magical card and witnesses every card on the way. The process of reaching the altar and falling off the altar. God Wall-E said that he has been a god for n years and Kasei is still a god. Let’s take a look at its rights first.

Main benefits

1. Domestic and overseas airport pick-up and drop-off services

Industrial Bank Card (Yo Series) provides 4 free domestic airport pick-ups and 2 free overseas pick-ups per year Airport

2. Domestic and overseas airport VIP lounges

You can use airport VIP lounges 12 times per year (you can bring 2 people for free every year); overseas, you can visit unlimited times and you can bring 2 people for free every year , the airport VIP lounge is cooperated with Plaza Premium Lounge Management Ltd. The outlets are mainly concentrated in Southeast Asia. There are relatively few outlets, not even as many as Longteng overseas VIP rooms. However, if there are many flights to Southeast Asia, it is good.

3. Free parking at Capital International Airport

Card holders can enjoy 4 days of free parking around Beijing Capital International Airport and free shuttle services between the airport and the parking lot. For friends in the imperial capital, this benefit is quite good.

4. Redeem mileage

The basic redemption ratio for mileage redemption on Air China, China Southern Airlines, China Eastern Airlines, and Hainan Airlines is 10:1 (13:1 for Xiamen Airlines). According to this standard, the highest rate per year is It can be exchanged for 200,000 yuan, and the excess redemption standard is 25:1. Looking at the basic exchange ratio alone, I don’t think it’s good, but Xingye will launch multiple points events from time to time, such as the “Vibrant Overseas” event that is still in the active period.

When you encounter this overseas 10 times points activity, you only need to spend 20,000 yuan (conditional) equivalent in foreign currency to get 20,000 points, which can be exchanged for 20,000 miles. These miles can be exchanged for almost any domestic route. One-way economy class ticket on the route. It should be noted that registration is required for this event (just send "CCDH" to 95561 on your mobile phone). For a single overseas transaction equivalent to RMB 1,000 (inclusive) or more (including POS card transactions and cash advances, excluding online transactions), the first 1x points for the first transaction, 2x points for the second transaction, 3x points for the third transaction... 10x points for the 10th transaction and above, and you can directly enjoy 10x points every Thursday "Business Day"!

In addition, there are now eLong domestic 50 times points, international hotel 40 times points, flash hotel hotel 30 times points, HRS 25 times points activities, etc. You can rely on it to save points and exchange miles.

4. Supreme car rental service

Free 1-day (24-hour) daily rental for any car model (only once per customer per year), and receive a 100 yuan electronic coupon (per person) (Limited to one ticket per customer per year), exclusive 20% off daily rent for self-driving car rentals.

5. High amount

(1) 10 million public transportation accident insurance and happy travel insurance (double-click to view a larger image)?

( 2) Fixed compensation for flight delays

10 million yuan transportation accident insurance and happy travel insurance are provided by Ancheng Insurance. The biggest feature is the travel delay insurance of up to 5,000 yuan; flight delay insurance is Provided by Continent Insurance, if the flight is delayed for more than 4 hours, the compensation will be 600 yuan, which will be paid directly.

The two insurances can be stacked!

The travel delay insurance provided by Ancheng Insurance is to compensate for the expenses caused by the delay. It does not directly compensate 5,000 yuan. The "expenses" include hotel accommodation expenses, purchase of clothing, etc., and car expenses to and from the airport. , and an invoice is required. If your flight is delayed for 4 hours, these insurances can give you great psychological comfort.

Another good thing about travel delay insurance is that if you fly by yourself, you will get a compensation of 5,000 yuan, if you fly with your wife, you will get another chance of compensation, and if you fly with your children, you will get another chance of compensation. Opportunity for compensation, a cardholder can receive up to 15,000 yuan in travel delay compensation per year through this insurance.

6. Non-accident road rescue

Emergency towing within 100 kilometers one way (limited to 3 times per month), on-site quick repair (repair time within 30 minutes), including: battery charging, Tire replacement, emergency water filling, other on-site minor repair services, 3 liters of oil delivery (limited to once per day, limited to 3 times per month).

7. Overseas currency conversion fees are waived

With the issuance of single-label cards by card organizations such as VISA and Mastercard, overseas currency conversion fees are waived, which has almost become standard. Although currency conversion fees are waived, be careful of DDC fees charged by merchants (reply "DCC" to find out).

About application

For new customers, generally after applying online, the salesperson will come to your door, place items at a branch, or go to a street stall. It is required to have a higher salary, turnover, house capital, and car capital. It should be pointed out that Industrial Bank is more concerned about multiple cards and multiple credit extensions when reviewing credit cards. In other words, you should apply for an Industrial Bank card as early as possible and try to apply for an Industrial Bank card at the beginning of the card application to avoid tragedy.

About

The annual fee for the main card of Bank Card Platinum Credit Card You series is 900 yuan, and the annual fee for the supplementary card is 600 yuan. Once the card is issued, the annual fee will be deducted. The annual fee can actually be easily paid back.

Comprehensive evaluation

Although Xingyoubai has a rigid annual fee of NT$900, due to the generous additional benefits, this card has become the first "rigid payment card" for many people. "Annual fee" credit card can be easily worth back the annual fee if you use the airport pick-up and drop-off services at home and abroad; with the overseas 10 times points activity, you can earn 20,000 miles by spending 20,000 yuan, and the price is 800 yuan/10,000 kilometers according to a certain treasure. That’s 1,600 yuan, which is enough to cover the annual fee. If you have the need to take your whole family on overseas activities every year, what are you still hesitating about? Get this Xingyoubai with such a high return!

Difficulty of removing the card: three stars

Equity index: five stars

Strength index: four stars

Recommendation index: five stars