Centurion card annual fee

In 20 19 years, various high-end cards seem to be more and more difficult. For the Visa unlimited card between the standard centurion platinum and black gold, it is rumored that the minimum is to move 1000 bricks, and ordinary people basically rest; At one time, the white rights and interests of Shenka AE shrank, but fewer and fewer people succeeded in getting rid of the card; So the centurion platinum is actually close to the people?

But perhaps the rigid annual fee of 3600 yuan is a place where many people hesitate. I have been handling the card for three years (I paid 3600 in three times). Let me talk about this centurion. Is it worth applying for, and what are its rights and interests? Is it worth the annual fee of 3600 yuan? (It's not like going to Sunflower Finance for coffee and chatting with the account manager's young lady), or how to make good use of this card to earn back the annual fee?

Centurion Platinum Bull X Right

Travel courtesy

1. Match members of high-end hotel groups.

Highlights: Marriott Hilton Golden Book Shangri-La TLCTHC Project

First of all, the Centurion Platinum Card can be directly matched with Marriott Gold Card, Hilton Gold Card and Radisson Hotel Gold Card.

Take Marriott as an example, although the merged Wanda House Gold Card has no good courtesy (that is, no treatment!

), Chen Shuang, the executive lounge. Room upgrade is conditional, but it cannot be upgraded. Generally speaking, you can only be promoted to one level.

But you are standing on the shoulders of giants, aren't you? Ordinary members need to sleep at least 25 nights to upgrade to a gold card, which is not easy for unusual travelers. And get the gold card, at least have a chance to pick it up for nothing.

By the way, because of this incident, Zhu Fei pushed the F3 member X Marriott Platinum 90-day Experience Card last year, stayed for 3 nights and was downgraded, which suddenly blew up the frequent flyer circle. This threshold is lower than the threshold of hotel demotion. I wonder how the flying pig will play this year.

Let's start with the Hilton Gold Card, free double breakfast, conditional room upgrade, free accommodation for the fifth night (slightly chicken ribs), and 80% bonus points.

Although there is no Shangri-La, you can book TLC and Deluxe Circle (the preferred partner program launched by Shangri-La Hotels Group) through American Express customer service. Not only SNP, but also room promotion, meal coupons and other benefits. You can also book THC (Hotel Collection), which is probably a slightly lower FHR plan, which is much more intimate than FHR.

Centurion Zhang, the three hotel groups are done! It is still valuable to book tickets through various priority channels.

2.FHR hotel courtesy (boutique hotels and resorts)

Highlight: Enjoy the preferential price and reserve the hotel places 100.

FHR is Centurion's unique and most acclaimed luxury hotel plan.

There are more than 900 selected hotels with nearly 50 brands including Peninsula, Four Seasons, Westin, Ritz-Carlton, St. Regis, Hyatt and Oman. All over the world.

Look at the hotel catalogue in official website:

The treatment provided by American Express is also very good, mainly including:

Apart from other things, 100 yuan is very generous in hotel consumption.

In addition, more than 80% hotels in the FHR plan have this extra courtesy. If you stay in off-peak hours and enjoy the treatment of $ 100, the blood return rate is still very high.

Take hengshan road 12 luxury hotel as an example, the usual price is about 2k, and the reference price for booking through FHR is 1.6k 100 USD for in-store consumption.

The Ritz-Carlton in Pudong, Shanghai, usually costs about 3k, and the reference price for booking through FHR is 2.3k 100 USD for catering consumption; In addition, FHR also offers three pay two and four pay three. Discount, free shuttle service, etc.

Most importantly, you can book rooms and restaurants through the dedicated customer service telephone of Centurion Platinum, and fully enjoy the VIP treatment. Through personal experience, I have long coveted the top 1 terrace in Shanghai. Once I stood in line as a non-resident guest for 2 hours without a seat. Later, the centurion express concierge service made a phone call and booked it! Successfully won the night view of Pujiang!

3. 300 selected hotels of China Merchants Bank stayed at VIP price.

China Merchants Bank's 300 selected hotels have always been talked about, and they can enjoy the VIP rates of 4 domestic and foreign hotels and 2 overseas hotels every year. The main price concessions are relatively strong. If you use it well, you can save one night's room fee in minutes.

The disadvantage of China Merchants Bank 300 Hotel is the lack of housing. After all, it is not suitable for centurions. For example, China Merchants Bank Classic White can also enjoy this right, so the rooms on popular dates are basically out of supply.

The hotel list is slightly adjusted every year. This year, I chose Fayun Anzhen in Hangzhou, and the average daily price is around 4k. Booking through 300 selected hotels of China Merchants Bank, 100 points only need 2900 yuan.

Mandarin Oriental Hotel, Paris, OTA offers are all around 7.5k, and China Merchants Bank 300 can directly win 100 points at the beginning of 4K.

Lijiang Dayan Amman Suite, 2800 yuan 100 points.

4. VIP treatment at the airport

Highlights: Except for several' halls' of Cathay Pacific in Hong Kong, it basically kills VIP rooms of all domestic airports.

It's time to release the American Express VIP room, which was taken during my last trip to Hong Kong. This is the first centurion lounge set up by American Express in Asia:

In addition to the rich dishes, desserts and drinks for three meals a day, the bar also provides various special cocktails, all of which are free to drink!

There are also private telephone rooms and conference rooms; Spare parts are L 'Occitane, and private toilets are provided (too many transit passengers! From time to time, merchants cooperate with American Express to give gifts. For example, I got a set of small gifts from a newly opened hotel in Madai last time, including eye mask and hand cream.

5. Insurance

There is also a necessary insurance for travel (but considering that people like me will get gastroenteritis in Japan and acute appendicitis in Hong Kong, this is really important).

This courtesy provides up to150,000 aviation accident insurance and up to 4,000 yuan travel inconvenience insurance (the flight is delayed for more than 3 hours; Lost luggage, lost documents, etc. ), up to $654.38+$00,000 for overseas travel and medical assistance (emergency medical treatment is transferred to China!

)

In terms of travel, centurion can also enjoy Avis Avis.

Hertz car rental is 15% off, but it's a bit tasteless, and the discount is average, so I won't say much. Talk is better than nothing.

Overall politeness

Highlights: Marriott gift package mileage redemption

Centurion's easiest chance to get points is 10 times points on his birthday, and 10000 reward points will be given at the top of the activity, and the main card and the auxiliary card will have one chance each.

However, there is a pit in China Merchants Bank, and the integral is "10 times the integral", which is an additional 9 times the integral on the basis of the normal consumption integral (1 times). In other words, it will cost 2240 yuan to get the full amount 1 165438. (Mathematical slag counts as crying)

Centurion's points exchange has two highest value ways:

Because a centurion can't exchange for A Wan, and A Wan's exchange for short distance is also a waste; It will be more cost-effective to use ten times birthday points reasonably. If you spend 1w on your birthday, you can exchange about 1.3w British Airways mileage, which is about 1300 yuan, which is already worth one-third of the annual fee. The proportion of other convertible airlines is as follows:

Dining Etiquette

1. Two free buffets.

The hotel list includes buffets in about 30 major cities and 80 well-known five-star hotels in China, including Ritz-Carlton, Shangri-La, Hilton, Marriott, Westin and Intercontinental. However, this kind of courtesy also needs to be robbed. Generally, it must be booked at least one week in advance.

Continue to turn to the picture, the spicy chicken we ate last year, the buffet dinner for two people in their early 400 s, and the Shanghai Jing' an Shangri-La, which received rave reviews, are all very satisfied:

2. 30% discount for exclusive catering

In addition to hotel catering, centurion also provides 30% discount service for some special restaurants, and most of them have the courtesy of giving red wine. This part of the restaurant list is also very rich, including some Michelin restaurants, and of course the price is relatively high. The point is that Michelin, where you can't book a seat, can be done by American Express concierge with a phone call!

Courtesy of life

1. Fitness exercise

At present, the only sport with free experience is golf, and the threshold is relatively high. Free practice privileges throughout the year 12, with several hours of practice time at a time and all-inclusive equipment, which is enough for beginners to force.

2. Tooth cleaning and physical examination services

Every household has 1 free physical examination and 1 oral care service every year. The medical institutions are mainly Aikang, Ruici and Ciming, but there are still many stores.

All-round secretarial service

The official description is this:

This VIP service is more interesting. Simply understood, it is butler service, 24-hour online and caring service.

For example, if you want to eat a Michelin restaurant, you can't book a seat? Find express customer service!

There is no room in the hotel when it is hot. Find express customer service!

I don't know how to prepare a visa, please contact American Express customer service!

Even if you don't understand the language in a foreign country, you can ask the express customer service to help you contact the hotel, pick up the plane or tear up the X service.

Finally, after reading these, if you want to take off your card, remember to hurry up before April ~

Starting from April this year, new centurion platinum cards and supplementary cards will also be charged! Each household can handle two supplementary cards, so a set of three cards will cost 7200 yuan!

Q&A: What is the annual fee of China Merchants Bank in golden sunflower card? China Merchants Bank golden sunflower card has no annual fee, but there is a management fee, which is free for the first three months and starts in the fourth month. 150 yuan/month/card. However, there are ways to reduce management fees: 1. Customers who pay wages are free, and 6 months after they stop paying wages are free. In the seventh month, they began to collect 2. Average monthly and daily assets ≥ 500,000, free of charge in that month; 3. There are 1 month with an average daily asset of ≥ 500,000 for three consecutive months; 4. For three consecutive months, the average daily asset+loan balance is ≥ 1 10,000/month. Golden sunflower card is a platinum debit card launched by China Merchants Bank. Golden sunflower card has many special functions and is the first financial platinum card in the Asia-Pacific region. With the platinum quality of distinguished service, we can enjoy the services of national airport VIP boarding, free 800 hotline service, global consumption withdrawal, overseas emergency rescue service, independent selection of personalized card number, one-on-one financial consultant and so on. If the assets in all personal accounts of the same branch of China Merchants Bank (referring to the sum of local and foreign currency fixed-term and current accounts, and the sum of market values of "Yinzhengtong", "Yinjitong", agency insurance, personal gold and certificate-based treasury bonds) reach RMB 500,000, the applicant may apply for golden sunflower card. Features (1) The first financial platinum card in the Asia-Pacific region (2) Platinum quality of distinguished service (3) VIP boarding at the national airport (4) Free 800 hotline service (5) Global consumption cash withdrawal (6) Overseas emergency rescue service (7) Independent selection of personalized card number (8) One-on-one "financial consultants provide professional and unique personalized financial design and services to answer your investment questions. (9) Superior and exclusive financial space China Merchants Bank has 67 "Golden Sunflower" financial centers, 228 "Golden Sunflower" VIP rooms and 250 "Golden Sunflower" VIP windows throughout the country, and will give priority to your business. Since then, cardholders don't have to queue up and enjoy superior and exclusive financial management space. (10) Rich and timely financial information According to the customization requirements of the card owner, it provides the card owner with rich and timely investment information to help you grasp every investment appreciation opportunity. In addition, in order to let you fully know the income and expenditure of your account, China Merchants Bank will send you the "golden sunflower card" statement every month, and all the transaction records in the account can be seen at a glance (customers who handle it after 20 1 1 will no longer provide paper statements, but customers who have handled paper statements before will keep them). (1 1) Special value-added benefits As a "sunflower" customer of China Merchants Bank, you can enjoy all kinds of value-added benefits provided by China Merchants Bank and international organizations: reduction and exemption of various transaction fees and special merchant discounts. (12) No matter where cardholders go along the national roaming route, they can enjoy the highest level of national roaming services: "Golden Sunflower" VIP boarding service, star hotel reservation and VIP service, telemedicine emergency rescue service, air ticket reservation, weather and traffic consultation service, free temporary safe deposit box service, emergency withdrawal, emergency loss reporting, free SMS or email financial secretary notification service, etc.