It is convenient and safe for banks to buy Taobao co-branded credit cards with their own characteristics. Because each bank has different policies for different people, the amount and usage rules of Taobao credit card are also different. So which is better for Taobao co-branded credit card? How should I choose? Here are four high-quality Taobao credit cards for everyone.
Which Taobao joint credit card is good?
Societe Generale, Ping An, China, Guangfa and China CITIC Bank all launched Taobao shopping points activities. The Societe Generale Credit Card Center Taobao co-branded cards have platinum card standard version, platinum card elite version, gold card and ordinary card. Which bank Taobao credit card is better, the factors we want to examine are nothing more than cashback strength, how many points to send when shopping, how much to reduce when it is full, and so on. Generally speaking, every Taobao credit card has its own merits, and no one can be perfect. However, there are still many people applying for Taobao Credit Card of Industrial Bank, which meets the consumer demand of most people. The characteristics of other banks may not be so obvious, and cardholders can choose according to their own needs.
Comparison of Advantages and Disadvantages of Three Taobao Credit Cards
First, CITIC Taobao co-branded credit card.
1, the new household card enjoys the 30 yuan Alipay red envelope;
2. Alipay express payment has points, gold card consumption or withdrawal 1 yuan points, double birthday, the highest accumulated points 10 times;
3. Surprises continue throughout the year, with 50% discount for cooperative businesses on Wednesday and Saturday; You can also enjoy the value-added preferential activities such as "9-share exchange" of CITIC Credit Card and "watching movies in 9 yuan";
3, 4 hours 1000 yuan flight delay insurance.
Advantages: online and offline transactions count as points.
Disadvantages: The reward points are limited, with Taobao V6 customers not exceeding 40,000 points and customers below V5 not exceeding 30,000 points.
Second, Guangfa Taobao Card
1, Guangfa Taobao Card directly accumulates concentrated treasure, and every time it consumes 5 yuan = 1 concentrated treasure, 100 concentrated treasure = 1 yuan;
2. Every Friday, if the end of the consumption authorization number is "8", you can get the same amount of concentrated treasure;
3. On the 8th of each month, 10:00- 16:00 grab the Jifenbao red envelopes on time, and randomly send out 4 million Jifenbao red envelopes on that day;
Advantages: consumption directly accumulates treasures, and treasures are spent as money.
Disadvantages: consumption directly accumulates Jibao and does not accumulate Guangfa points. Only used in Taobao, the scope is limited.
Third, Ping An Taobao co-branded card.
1, online shopping Alipay fast payment has points, and points can also be spent as money;
2. Enter Taobao for purchase through Ping An Wanlitong website, and Taobao members get 3 times Miles points;
3. Shopping in popular cooperative businesses (Tmall, 1 store, JD.COM, Amazon, Haagen-Dazs, etc.) on Wednesday can enjoy a maximum discount of 100 by 50. ).
Advantages: Ping An Taobao Card cooperative merchants cover online and offline, and there are points for online transactions, and there are as many as 27 cities offline (10 yuan has more than 1,000 restaurants and shopping discount merchants).
Disadvantages: Ping An Miles points will be converted into 15% handling fee for integral treasure.
Introduction of other Taobao credit cards
1, Industrial Bank Taobao co-branded credit card
Xingye Taobao co-branded credit card covers six functions, including "online application of credit card, quick payment of credit card, online payment of points, quick payment of credit card bills and online repayment of Alipay". Customers can operate through the network from application, use to repayment, and truly realize a faster, more affordable and full-process online payment service.
2. China Bank Taobao co-branded credit card.
China Bank Taobao Credit Card is a credit card jointly signed by Bank of China Co., Ltd. and Alibaba Group's Taobao and Alipay. Activate the cartoon payment function on Alipay website to facilitate online payment. China Bank also provides services such as easy to buy by stages and preferential merchant network all over the world.
After signing a contract with Alipay account, BOC Taobao credit card cartoon payment can be made from the bound credit card without logging into Alipay account through online banking and relying on Alipay payment password, so as to experience simple, safe and fast Alipay online payment.
3. Shanghai Bank Taobao co-branded credit card
Through Alipay express payment transaction, you can not only earn Taobao points, but also accumulate credit card points of Taobao co-branded cards. When you pay by Alipay Express, you can directly deduct the amount paid by Alipay Express by using the credit card points of Taobao co-branded card. 750 credit card points = 100 points. In addition, at any business outlet of Shanghai Bank, you can enjoy the green channel of VIP customers at the outlet when you show this card, and give priority to private cash business.
Is the credit card of CITIC Bank good?
CITIC Bank's credit card is still good, which mainly has the following advantages:
1. There are many kinds of credit cards issued by CITIC Bank with different themes. Some credit cards have low thresholds. For example, QQ Caibei co-branded card is easy to apply for, but the amount is not necessarily high.
2. After applying for the credit card of CITIC Bank online, if it is successfully approved, you will receive an official message from CITIC Bank asking you to bring your ID card to the business hall of the bank, which also means that the credit card has been successfully applied and needs to be signed in person for confirmation.
3. The customer service attitude of CITIC Bank is quite good. Whether you go to the business hall of CITIC Bank or call the official customer service of CITIC Bank, you will get a satisfactory answer soon. However, after all, CITIC Bank is not as dense as the four major banks, so it may not be very convenient in some relatively small places.
4. There are many credit card preferential activities of CITIC Bank. It is the first time to choose CITIC Credit Card to pay on Taobao, and there are discounts. 9 yuan watches movies, and some cards are cashed back.
Extended data
CITIC Bank's credit card is very convenient, which can be used not only in domestic supermarkets, but also in some foreign consumer places. Credit cards have greatly facilitated ordinary people and made banks gain more profits from them.
First of all, we should develop good consumption habits and not brush off all credit lines without restraint. Credit cards are used because on some occasions, when cash and bank cards cannot be paid normally, CITIC Bank's credit cards have a certain amount, and the amount of ordinary quality customers will be higher accordingly.
In addition, it should be noted that the credit card of CITIC Bank must be repaid on time. Paying back on time is the embodiment of a person's sense of responsibility. If the cardholder can't guarantee timely repayment, it is best not to use a credit card.