Which bank’s platinum credit card is better
There are many benefits to owning a platinum credit card. Platinum cards can enjoy many value-added services provided by banks. Having a platinum card represents good credit, outstanding status and the bank's trust in the cardholder. Which platinum credit card is better? Which bank should I choose for my Platinum Credit Card? I will give you a brief introduction to which platinum credit card is better.
Platinum Credit Card, as soon as you hear the name, you will know that this is a relatively high-end credit card. Compared with ordinary credit cards, the annual fee for the Platinum Card is higher. Even if it can be waived, the conditions are quite harsh. Of course, the value-added services provided by various banks to platinum credit card customers are very good. See what their pros and cons are.
1. ICBC Platinum Card
Annual fee: 2,000 yuan
The biggest feature: free PP card, aviation accident insurance
Four Industrial and Commercial Bank of China, which has the largest number of credit card issuances among the major state-owned banks, is also very good in terms of its platinum card service. ICBC Platinum Card has all the functions of an ordinary credit card, with partial penalty interest. The most eye-catching thing about ICBC is that the main cardholder of ICBC Platinum MasterCard card will receive the legendary PP card for free. Holding this card can enjoy free VIP rest services, free coffee, snacks, etc. at many airports around the world. It is a favorite among air fliers. If you apply for this card on your own, the annual fee is $299. Suitable for business elites who fly around.
In addition, the 4 million yuan aviation accident insurance provided by the ICBC Platinum Card does not require the cardholder to swipe the ICBC Platinum Card to purchase air tickets or pay group fees. Regardless of the ticket purchase method, if an accident occurs while flying, he can claim for compensation. . If you use your card to purchase air tickets or pay more than 80% of the group fare, flight delay insurance and luggage loss insurance are also provided.
The annual fee for the ICBC Platinum Card can be waived by spending a total of 200,000 yuan on the card in a year, or it can be redeemed with 160,000 points.
2. Industrial Bank Platinum Card
Annual fee: 2,600 yuan
Best features: free physical examination, golf
Similar to state-owned banks Compared with commercial banks, the services are naturally more comprehensive, but the requirements are also higher. In terms of aviation accident insurance, although Industrial Bank provides platinum card holders with insurance up to 10 million yuan, it requires that they use the Industrial Platinum Card to purchase air tickets or pay more than 80% of the tour fee. The Industrial Bank Platinum Card also provides flight delay insurance and luggage loss insurance. Industrial Bank Platinum Card customers can also rest in VIP lounges at airports in major domestic cities, but it is not very convenient abroad.
The Industrial Bank Platinum Card also provides cardholders with two health examinations per year, or two times combined into one enhanced physical examination. As far as I know, the single price of this type of physical examination in the hospital is more than 1,000 yuan for the ordinary type, and more than 2,000 yuan for the enhanced type. In addition, holders of the Industrial Bank Platinum Card can also enjoy unlimited golf at multiple golf driving ranges, with free green fees twice a year. According to industry insiders, golf green fees are quite expensive, with cheaper ones costing thousands of dollars.
However, the annual fee of the Industrial Bank Platinum Card cannot be waived. The annual fee of 2,600 is really not cheap.
3. China Construction Bank Platinum Card
Annual fee: 580 yuan
The biggest feature: no annual fee and simple terms
China Construction Bank Platinum Card The gold content is not high, and it can be regarded as an upgraded gold card. The annual fee can be waived by swiping the card 18 times. You can also receive high-value aviation accident insurance by swiping your CCB card to purchase air tickets and pay more than 80% of the tour fee. It is suitable for cardholders who are new to platinum cards, and the threshold for applying for a card is relatively low. CCB has more services in its diamond card.
4. Shanghai Pudong Development Bank Platinum Card
Annual fee: 300 yuan
The biggest feature: free car rescue
Pudong Development Bank Platinum Credit Card comes with a Free car rescue service for cardholders. Compared with the car rescue services of other bank cards, the Pudong Development Platinum Card can be used as long as the cardholder is in the car. It is not limited to a certain car and has many services with no limit on the number of times. This is great for cardholders. Very useful for cardholders with more than one vehicle. Other services are less impressive, but due to their low annual fees, they are well worth using for car owners.
Pudong Development Platinum Card can be redeemed with 30,000 points.
The above is my introduction to which platinum credit card is better. The credit card website releases the latest credit card center information every day. The most frequently inquired ones are China Merchants Bank Platinum Card, Guangfa Platinum Card and CITIC Platinum Card. , CCB Platinum Card, etc., providing you with the latest credit card information.