Many card friends think that online shopping for credit cards has no points. This perception is not entirely correct. Although online payment by credit card can't get the consumption points generated by swiping a card in a physical store, online shopping can still get corresponding points or cash benefits as long as the credit card is used correctly.
For Taobao people who often buy online from Taobao, the most suitable one is a Taobao co-branded card. There are many advantages to handling a Taobao co-branded card. Cardholders can not only get points conveniently, but also enjoy certain value-added services. Here are three models for you.
I. Industrial Bank Taobao Co-branded Card
This is a Unionpay single currency card. There are three kinds of cards: general card, gold card and platinum card. In addition to the basic financial functions of Industrial Bank, the gold card can also provide cardholders with 2 million yuan of aviation accident insurance, which other Taobao cards do not have.
The biggest advantage of this card is that online shopping can accumulate points through fast payment. Every time you spend 1 yuan = 1 points, every 500 points = 100 Alipay points = 1 yuan, you can accumulate up to 20,000 points every month, and the points can be converted into Alipay points for cash use.
When redeeming points, just click "Click to deduct cash" and select the transaction amount deducted by credit card points according to the page prompts to complete the payment.
Second, Guangfa Bank Taobao Card
Guangfa Taobao cards are divided into two types: men's and women's, both of which are UnionPay single-currency cards. Cards are divided into ordinary cards and gold cards, which not only have the basic services and functions of Guangfa Credit Card, but also have special functions such as "saving points every day", "more points every week" and "grabbing red envelopes every month".
Online shopping with Guangfa Taobao Card cannot directly accumulate credit card points, but it can accumulate concentrated treasures. It is more convenient to use integral treasure for payment in 5 yuan = 1 integral treasure, 100 integral treasure = 1 yuan.
Participating in activities can also quickly accumulate concentrated treasures, and the new card will send 5000 concentrated treasures for the first time in March. If you swipe your card every Friday and the end of the consumption authorization number is "8", you can get an equal amount of treasures; On the 8th of every month, the red packets of Jifenbao were grabbed on time at 10: 00- 16: 00, and 4 million Jifenbao red packets were randomly distributed that day.
III. CITIC Taobao Co-branded Credit Card (V Edition) Gold Card
This is a joint card of CITIC Bank and Taobao. It's a UnionPay single currency card. It has the basic services and functions of CITIC Credit Card, and can also provide cardholders with value-added services such as 4 hours 1000 RMB flight delay insurance.
Only quick payment points can be calculated for online transactions using this card, and other online transactions are not counted. On weekdays, you can use Taobao V card for Alipay express payment transactions, and enjoy up to 5 times CITIC credit card points; On the day of Taobao's special offer, you can enjoy up to 10 times CITIC credit card points when you use Alipay to pay transactions in Taobao.
What credit card should I use for online shopping?
With the development of online shopping in full swing today, most credit card online payment in the market actually has no points. Today, I will introduce a credit card suitable for online shopping to online shoppers. As an online shopper, our first requirement is of course that online shopping has points, and then there is no annual fee. The more preferential activities, the better. After some searching, it is found that the online shopping sites are basically Taobao co-branded cards of various banks, specifically: Guangfa Taobao Male/Female Card, Ping An Bank Taobao Co-branded Card, China CITIC Bank Co-branded Card, Industrial Bank Taobao Co-branded Card and China Bank Taobao Co-branded Card. Let's analyze them one by one.
1. Guangfa Taobao Male/Super Female Card
Unionpay card with single currency is divided into general card and gold card. The longest interest-free period is 50 days and the withdrawal amount is 50%. The annual fees for Puka, 40 yuan, Jinka and 80 yuan are free in the first year, and the annual fees for swiping cards six times in the following year are free.
Advantages: There are many famous activities: in March, the first time you use Guangfa Taobao Credit Card to pay quickly, you can get 5,000 pieces of concentrated treasure. On Friday (both points trading and online trading), if the consumption authorization number ends with "8", you can get the same amount of concentrated treasure. On the 8th of every month, 10:00- 16:00, you can grab the red envelope of Jifenbao on time.
Disadvantages: consumption directly accumulates concentrated treasure, and every time 5 yuan accumulates 1 concentrated treasure, the value is 100 concentrated treasure? 1 yuan, but not cumulative guangfa points.
After many inquiries, if I understand this sentence correctly, I understand that offline consumption accumulates 1 points in 5 yuan, and online consumption has no points. In other words, offline consumption returns to the collection and distribution of online shopping. This is online shopping without points! ! Do you deserve the name Taobao Card? It just passed.
Second, Ping An Bank Taobao Co-branded Card
This card is a single-currency UnionPay card, just a general card. The longest interest-free period is 50 days, the withdrawal amount is 50%, and the annual fee is 100 yuan. Free of annual fee in the first year, and free of annual fee in the following year after swiping the card six times.
Advantages:
1. Pay online quickly by credit card, 1 yuan = 1 mileage points. You can redeem gifts on the exclusive website of Ping An Miles Points, or you can directly use the points for Taobao shopping. The conversion rate from mileage points to telephone charges is 5 million mileage = 1 yuan, and the cash arrival rate of Taobao is 5.75 million mileage = 1 yuan.
2. In the first three months of each month, new customers pay for Taobao shopping quickly, and each payment is given an extra 5000 points, that is, 50009=45000 points. Send extra Miles points through "Miles Taobao Rebate", and Miles will send points by watering the trees every day. (Voice-over: I really like the mileage points of their family. It seems that I have sent a lot of points. )
3. Every Wednesday, Taobao Credit Card will pay full 100 minus 5 yuan.
4. Send an Alipay account.
5, there is a free SMS reminder every time you spend.
Disadvantages: offline promotion is concentrated in Shenzhen, and people in other areas can only use this card as an online purchase card.
Three. China CITIC Bank Taobao Co-branded Card
This card is a single-currency UnionPay card and a general card. The longest interest-free period is 50 days, the withdrawal amount is 30%, and the annual fee is 200 yuan. Free of annual fee in the first year, and free of annual fee in the following year after swiping the card five times.
Advantages:
1, online trading points, more than 2000 yuan double points.
2. Send the growth point of Taobao members.
More than 3.200 yuan will be reminded by SMS.
4. There are many activities, 9 sharing and communication, watching movies in 9 yuan, wonderful 365 and so on.
Disadvantages: points can't be converted into money for online transactions, only mileage or gifts.
Four. Industrial Bank Taobao Co-branded Card
Unionpay card with single currency, including ordinary card (annual fee in 80 yuan, free for five swipes in the first year and five swipes in the next year), gold card (annual fee in 200 yuan, free for five swipes in the first year and five swipes in the next year) and platinum card (500 yuan/2,600 yuan, free for annual fee), with the longest interest-free period of 50 days and the withdrawal amount of 50%.
Advantages:
1, 1 yuan = 1 minute, with a monthly limit of 20000 points. Points can be exchanged for 500 credit card points = 100 AliPay points = 1 RMB.
2. Give points when opening a new card: Activity A: Within 60 days after the card is approved, if a single limited transaction reaches 128 yuan, you can give 10000 points.
Activity B: Within 60 days after checking the card, you can get 10000 points if you limit 3 transactions and each transaction is over 228 yuan. You can only participate in one of the two activities.
3. Free handling fee for the first withdrawal every month.
4. The gold card gives 2 million yuan of aviation accident insurance (this other family seems to have no)
Disadvantages: There are actually quite a lot of offline promotions, but we don't have them here.
Verb (abbreviation of verb) China Bank Taobao co-branded card
I don't know why YY of Appearance Association didn't like this card when she saw it. She felt a strong local flavor. This card is a single-currency UnionPay card and a general card. The longest interest-free period is 50 days, the withdrawal amount is 30%, and the annual fee is 100 yuan. Free annual fee in the first year, free annual fee in the following year if you swipe your card five times.
Advantages:
1, 1 yuan = 1 points, which can be converted into AliPay points, 300 credit card points = 100 Alipay points = 1 yuan, and at least 3000 credit card points can be converted each time.
2, send Taobao diamond VIP,
Disadvantages: As one of the four major banks, the quota is inevitably low.
Finally, I introduce a card that can "take the world with one card"-CITIC I Platinum.
I never dared to look at a platinum card when I chose a credit card. It's said that the annual fee is expensive, so you can't get rid of it-but although the annual fee of this I Platinum is 480 (down from 2000 last year), it's now free in the first year, and you can get rid of it in the second year after swiping 12 times, which really deserves its advertising slogan-the first platinum card in your life.
Advantages:
1, double points for offline consumption and double points for online fast payment transactions (online can get 10000 points at most every month).
2. UnionPay respects the platinum level and enjoys all kinds of UnionPay platinum services (such as China Eastern Airlines booking discount, and the handling fee is not refunded for high positions).
3. Book tickets through designated channels and enjoy 2 hours/1000 yuan delay insurance (this is great! In the future, I hope that the flight will be delayed, and the points can be exchanged for Air China/China Eastern Airlines/China Southern Airlines miles, and I can participate in CITIC 9 points exchange activities.
5. CITIC has many credit card activities, such as Wonderful 365, which is quite practical.
Disadvantages:
1. This is a single currency card, so it will be a little inconvenient to go abroad.
2, the risk of delay must be designated channels to buy tickets, certainly more expensive than Qunar.com.
Summary:
1. If you have a credit card with a limit of more than 20,000 yuan, you can try to apply for CITIC I Platinum Credit Card, which is definitely a platinum card worth owning.
It doesn't matter if your quota is low. You can consider handling Ping An Taobao Card or Xingye Taobao Card. The points are faster and you can withdraw cash.
3. If there is no such bank in your city, you can also apply for CITIC Taobao Card or Bank of China Taobao Card, but you can't even think about issuing a wide card.
Which bank is good for online shopping credit cards? Comprehensive Comparison of Five Taobao Credit Cards
It is no exaggeration to say that Ma Yun's Alibaba has influenced a generation. Taobao has bought goods from door to door, compared the performance and price of goods, and now it can buy favorite goods without leaving home, which is really indispensable. In this era of rapid development of online shopping, in order to meet the consumer demand of users, Taobao credit card came into being. So which bank is good for online shopping credit cards?
First, Ping An Taobao Credit Card
Introduction index: ★★★★★
Reason:
1, send mileage points for shopping in Taobao, which can be exchanged for gifts, or you can use the points to shop directly in Taobao (535 mileage points = 100 points);
2. SMS service is free;
3.6 times free of annual fee;
4. There are many discounts, and there are discounts for eating, drinking and having fun (see official website for details);
If you like eating, drinking and having fun, and love online shopping, consider this card.
Second, Guangfa Taobao Credit Card
Introduction index: ★ ☆ ☆ ☆ ☆.
Reason:
1. Guangfa Taobao Card directly accumulates the collected treasures. Every time you consume 5 yuan, you accumulate 1 collected treasures. 100 What is the value of the treasures in the collection? 1 yuan, but not cumulative guangfa points.
2. The first application is this Taobao card, which is used for online shopping and found that there is no concentrated treasure in online shopping. I called to ask, the physical store consumption sent integral treasure, but the online shopping didn't-I was in tears when I knew the truth. In that case, why is it called Taobao card? (_ _ _) _. But this card can be used for general consumption. 5 yuan gave 1 jifenbao. From the perspective of exchange ratio and practicality, this card is also a good choice for daily consumption.
3, the number of brushes is free of annual fee;
Disadvantages:
1, SMS service fee, 3 yuan/yuan. (Now you can use WeChat to bind your credit card, and you can receive WeChat notification when you spend. )
2, online shopping does not score points, do not send Jifenbao.
3. Consumer 5 yuan gave it to 1 integral treasure, in other words, it was not given below RMB.
Three. CITIC Taobao Co-branded Card Gold Card (Gold Card Only)
Note: The platinum card of CITIC Taobao co-branded credit card is charged an annual fee in the first year, and it needs tens of thousands of points in the second year to reduce the annual fee, so I don't introduce it.
Introduction index: ★★★★★☆☆
Reason:
1, online transactions have points, and the proportion of points is different according to the level of Taobao members; Multiple points for special people such as birthdays and membership days;
2. Transaction SMS notification (SMS starting point is RMB transaction in 200 yuan).
3. Brush the annual fee for the following year for 5 times;
Disadvantages:
2000 CITIC Bank points = 100 points (this ratio. . . . . . . . Men and women can't accept it! )
Advantages:
Whether online trading or physical consumption, easily get multiple points;
Four. Industrial Credit Card Gold Card
Introduction index: ★★★★★☆☆
Reason:
1, transaction SMS is free;
2, brush over 6 times to avoid the annual fee of the following year;
3. If you meet any credit card transaction 100 yuan or more in the current month, you can enjoy the average points discount for online transactions in the next month;
Disadvantages:
1, credit card fair 100 yuan refers to the consumption transaction (physical store consumption, such as supermarkets and convenience stores) conducted through POS machines; If you are not satisfied, you will have nothing. . . .
2. Points cannot be exchanged for Jifenbao (confirm with Taobao customer service).
Advantages:
If you meet the requirements of online shopping points, online transactions are points! (This is very powerful, b()d)
Note: "Online shopping" refers to online transactions conducted by Industrial Bank PASS credit card; Online transactions include payment through Industrial Bank, Alipay express payment transaction, Tenpay express payment transaction, quick money express payment transaction and UnionPay online transaction (except 0 with merchant number 8 to 165438+4458).
Verb (abbreviation of verb) Xingye Taobao co-branded credit card (introduction of Puka/Gold Card)
Disclaimer: This card includes platinum card, gold card and ordinary card. Since once the Platinum Card is issued, no matter whether it is activated or not, an annual fee will be charged, so the application will not be introduced.
Introduction index: ★★★★★☆.
Reason:
1, SMS service is free;
2. Annual fee is 200 yuan/year, free of annual fee in the first year, and free of annual fee in the following year after 5 times of brushing (contact customer service for confirmation);
3, online shopping points, conversion ratio: 500 points = 100 points;
Disadvantages:
Compared with the industrial bank PASS credit card, the integral function is not so powerful.
The above is a single introduction about Taobao credit cards of five banks. You may be confused about which online credit card is better. Let's make a comprehensive comparison of Taobao credit cards of five banks from the perspective of function and preference, and you can easily see which one is better and which one is worse.
As far as the above five Taobao cards are concerned, Guangfa Taobao Card is useless. Online shopping doesn't count as points, and you don't send Jifenbao. I'm curious how to call Taobao card. On the whole, the only credit cards that can be scored online are Ping An, CITIC and Xingye.
First of all, from the integral function.
1 Societe Generale's credit card is the most powerful, but it has a fatal drawback: among Alipay's credit card points, Societe Generale is limited to Societe Generale's Taobao co-branded credit card, which can be exchanged for the points of Concentrated Treasure. I personally consulted Taobao customer service.
Industrial Bank's Taobao co-branded credit card can be paid quickly through Alipay, and points can also be earned. Try to pay with Alipay (Industrial Taobao Co-branded Credit Card) in Meituan. But I can get points.
2 It is easiest for CITIC Bank to get multiple points by running Taobao co-branded card.
Second, from the perspective of preferential treatment.
Ping An Bank Taobao co-branded card offers the most discounts. Including watching movies, eating, drinking and having fun.
As far as the availability of credit card points is concerned
Credit card points are redeemed for Jifenbao, and Taobao cards of the above major banks have been redeemed by PK. The ranking is as follows:
First place: Xingye Taobao co-branded card-500 points = 100 points;
Second place: Ping An Taobao co-branded card -535 points = 100 points;
Third place: CITIC Taobao co-branded card -2000 points = 100 points.
No introduction: industrial bank PASS credit card-confirmed with Taobao customer service that PASS credit card points cannot be exchanged for concentrated bets.
So generally speaking, in the case of online shopping, the first credit card is Ping An Taobao co-branded credit card and Xingye Taobao co-branded credit card, followed by CITIC Taobao co-branded credit card.
Let's stop here for the introduction of what credit card to use for online shopping.