What is worth applying for a platinum credit card?

The Best Platinum Credit Card to Buy in 2022

I. Bank of Communications Bai Qilin (Business Travel)

Second, China Merchants Bank Express Platinum Card (International Shopping and Tourism)

Iii. Pufa AE Platinum Card (which can be called 17 annual God Card)

Fourth, CITIC I Platinum Credit Card (shopping, food)

Compared with the gold card, the platinum card naturally has higher application conditions and costs money, but the rights and quota of the platinum card are really attractive.

The amount of platinum card is much higher than that of ordinary card and gold card, which also shows noble status and indicates that the cardholder is a successful person.

Bank VIP service, airport VIP lounge, giving high aviation accident insurance, preferential merchant discount, free golf in many cities across the country, free car rescue, physical examination in Grade A hospitals, no need to make an appointment, no need to queue up and many other preferential privileges are all enjoyed by the standard platinum card.

At present, the annual fee of platinum card is standardized: no matter whether the card is opened or not, once the card is verified to be opened, the annual fee will be charged. Most credit cards are standardized, with annual fees ranging from 500 to several thousand yuan. There is no annual fee for credit card spending. The standard is: in the first year, credit card spending ranges from tens of thousands to hundreds of thousands.

Platinum cards are also true and false. Now banks have also launched many fake platinum credit cards, commonly known as "Little Platinum". This kind of platinum card looks no different from the standard platinum card. In fact, it is a world of difference.

Distance of credit limit: the starting point of standard platinum credit card is relatively high, with the starting credit limit above100,000, while the limit of "Little Platinum" is usually only higher than that of gold card, and its starting point is usually between 30,000 and 50,000 according to different qualifications.

Annual fee distance: usually, the annual fee of a standard platinum card will be as high as several thousand yuan, but "small platinum" can be offset without annual fee or by credit card and points.

Service distance: The above advantages are usually only for standardized credit cards, and "Little Platinum" can enjoy very few services.

Due to the particularity of platinum cards, some banks usually pass many platinum cards if they apply automatically. These banks prefer to send invitations automatically to invite qualified users to upgrade to platinum cards.

If you need to set the credit limit of the supplementary card or modify the set credit limit, please call the 24-hour platinum VIP service hotline and our platinum service specialist will handle it for you.

The supplementary card has no separate statement. All the transaction details of the secondary card are listed on the statement of the primary card and sent to the cardholder of the primary card, so that you can master and understand the usage of the secondary card.

How many 10 platinum credit cards (debit cards) do you have?

This paper sorts out the platinum cards of various banks in the market from three dimensions: card difficulty, annual fee and rights and interests, and selects the most cost-effective 10 platinum cards to form this paper, hoping to provide some useful suggestions for you on the way to apply for platinum cards.

Tenth place: Citi gift card "★★☆"

How easy it is to apply: ★ (The more stars, the easier it is)

1) You can apply online, but there are too many lines. 2) You can move bricks to buy wealth management and achieve overtaking in corners, but the wealth management of foreign banks is not so good-looking, so you don't have to be nostalgic after approving the card;

3) The applicant must be 18 years old and have full capacity for civil conduct. The applicant must have a stable income occupation, solvency and good credit status; The applicant's company address must be in Beijing, Shanghai, Guangzhou or Shenzhen (only for Citibank online application); If the monthly salary before tax is RMB 65,438+00,000 or above, you can apply for a Citi gift card. This is an official statement. According to the actual measurement, Citigroup pays more attention to multi-line card users, so it is best to apply for credit cards (debit cards) at the same time, so that the time difference between newspaper updates can greatly improve the probability of your multiple banks approving cards.

How easy is it to get rid of the annual fee: ★★★ (The more stars, the easier it is)

1) main card 1400, and auxiliary card 700 (the main card will send 1000 yuan of JD.COM E card or Ctrip Anyou card every year), and the annual fee will basically be refunded.

2) Mileage deduction: 20,000 Citi gift deduction, and supplementary card 10000 Citi gift deduction, which is very bad and is not recommended to be exchanged.

Rights and interests: ★★★★

1) Gift application: From April 2065438 1 day to June 30, 20 18, new customers who successfully apply for a Citi gift card for the first time will receive 5000 Citi Miles if they meet the corresponding requirements within 60 days (natural day) after the card is verified, and the cumulative qualified consumption will reach/kloc-0.

2) Citi trip can be converted into air miles 1: 1. At present, the airlines supported by Citigroup are quite complete (Air China, China Southern Airlines, China Eastern Airlines, Yawan, Qatar Airways, Air France, Singapore Airlines, Etihad, Garuda Indonesia, Evergreen, Virgin and Qantas);

3)6 Longteng points, it is recommended to use them every meal, and a lot of points have been wasted this year (3 times to replenish cards);

4) Pay within 60 kilometers of the shuttle bus (three seats 89, five seats 149 business, two foreigners? );

5) Gold and gifts for credit cards (debit cards): 800 Citi Miles for 20 RMB, and USD cards 1500 Citi Gifts for 5 USD. According to the ratio of credit card (debit card) 12: 1 and USD 1, 9600 will be rewarded with 20.

6) At present, the only bank card that can directly transfer points to other people's accounts is the "points" of gift cards, which are actually airline miles or hotel points. This is the fastest and easiest way to get multiple air miles in the current rules. You only need to apply for a card, then swipe it once a year, participate in an activity, and return the annual fee in minutes;

7) Citi has at least three credit card (debit card) return activities every year, as well as irregular lottery activities, which are basically legitimate returns, low-key and worth participating in.

Ninth place: safe travel, Xiaobai.

How easy it is to apply: ★ (The more stars, the easier it is)

1) can be applied online;

2) Cards can be issued by house, car, card, asset, Ping An life insurance policy and quality occupation.

How easy is it to get rid of the annual fee: ★★★★ (The more stars, the easier it is).

In the first year, the main card 1200, and the supplementary card 800 (in the second year, the consumption is 200,000, and the rules for reducing and exempting the supplementary card are the same as those of the main card).

Rights and interests: ★★★★

1) Travel consumption-air ticket (45 1 1), hotel (70 1 1), travel agency (4722) feedback 1%, and the reward is greater than or equal to1. The rebate is valid for one year and can be used to offset the consumption in the account; There are no points for the specific mcc consumption, only money is given back, but the accumulated consumption amount (safety of your own activities);

2) 8.8% discount on refueling: Platinum card has its own car card function, and you can get 8.8% discount on refueling if you spend 2,000 yuan per month, and recharge 500+200 online, so you can participate directly without registering a Platinum card;

3) Ping An Overpayment: If the consumption reaches the standard, you will get the mall coupon. Once every three months, this activity and tourism overlap, which is a waste of time. Moreover, activities can sometimes accumulate consumption without points offline;

4) Ping An's recommendation to new tenants is the most generous, so, you know.

Eighth place: CITIC Yika Xiaobai.

Ease of application: ★★★★★ (The more stars, the easier it is)

1) Online application: the loan is transferred to a credit account, and the first-class savings card of CITIC Bank is held, and the debit card function of Easy Card needs to be downgraded to a second-class card, so the amount is low and the income is reduced;

2) Counter installation: you can apply for a card with little difficulty and high quota. This card is meaningful only if the amount exceeds 50,000.

Ease of annual fee exemption: ★ (The more stars, the easier it is) 480 yuan has an annual fee of small platinum, and 60,000 points will be deducted in the following year.

Rights and interests: ★★★★

1) The most important advantage of this card is that the integral multiple is linked to the assets in CITIC: the assets are ≤5W, and the platinum card is 3 times integral; 5w > 20W, 9 times points for platinum card, and the upper limit of monthly points for each bill is 9 times the fixed amount, so the amount is very important;

2) mileage for redemption of points: 12500 points are redeemed at the ratio of 500, which is equivalent to 2.8: 1 with 9 times of points. The annual total quotas of Air China, China Eastern Airlines, China Southern Airlines and Hainan Airlines are 15W, and those of asia miles are 5W and * * 20w.

3)9 Share rights and interests; 4)9 yuan film rights and interests; 5) Wonderful 365 rights and interests, etc.

Seventh place: Industrial Bank Youbai "★★★★☆"

How easy it is to apply: ★★★★★ (The more stars, the easier it is).

1) White home naked application card;

2) Credit cards (debit cards) with credit lines of more than 30,000 yuan from other banks can be applied in the form of cards for more than half a year;

3) The social security base is capped.

Ease of free annual fee: ★★ (The more stars, the easier it is) The rigid annual fee for the main card is 900.

Rights and interests: ★★★★

1) Shuttle right: 4 domestic shuttles +2 foreign shuttles, which can easily offset the annual fee;

2) Quick security check and VIP room courtesy at CIP airport: In natural years, I can use the VIP room service at CIP airport 12 times in China, and I can take two people with me for free;

3) Mileage redemption: The mileage of Air China, China Eastern Airlines, China Southern Airlines and Hainan Airlines can be redeemed at the ratio of 10: 1, with an annual ceiling of 20,000;

4) Free supreme car rental for one day;

5) Road rescue;

6) Aviation accident insurance, delay insurance and car rental courtesy.

Sixth place: Guangfa Airlines Co-branded Platinum Card (not limited to China Southern Airlines) ★★★★☆;

How easy it is to apply: ★★★ (The more stars, the easier it is)

1) Apply for second batch online directly when releasing water, such as the previous Shandong Airlines White;

2) invitation to handle;

3) Import of outlet assets or issuance of cards.

Ease of free annual fee: ★ (The more stars, the easier it is) The rigid annual fee for the main card is 2500.

Rights and interests: ★★★★★★★

1) Free Longteng Card, Longteng Airport, and high-speed rail for unlimited VIP treatment, covering more than 200 major cities at home and abroad such as Beijing, Shanghai, Guangzhou, Shenzhen, Hong Kong, Tokyo and new york;

2) Priority pass cards are distributed free of charge. With this card, more than 600 airport VIP rooms around the world can enjoy VIP treatment at home and abroad.

3) You can enjoy VIP appointment registration service and medical guidance service three times a year for free in major cities in China;

4) Mileage conversion: 7 yuan RMB for domestic consumption is converted into 1 air mileage, and consumption abroad 1 USD is converted into 1 air mileage. The annual maximum limit is 600,000 effective consumption points, and if other activities are added, it is about 65,438+million air miles a year. Multiple points and points of specific businesses are exchanged for mall coupons once every quarter.

5) The aviation accident insurance of up to 5 million yuan is attached with the card, which can also benefit family members in the same industry;

6) When you encounter difficulties during travel or business trip, you can call the 24-hour global emergency support service hotline at any time and enjoy a number of emergency support services, including: emergency card replacement, emergency cash advance, translation service, lost luggage support service, etc. 7) When you are abroad, you can call the 24-hour platinum secretary service hotline at any time, and you can provide intimate services such as restaurant reservation, hotel reservation and medical treatment as needed; It can provide cardholders with all-round VIP services, so Guangfa Airlines Co-branded Card is especially suitable for business travelers.

Fifth place: Standard Chartered Sincere Platinum Card "★★★★☆"

How easy it is to apply: ★ (The more stars, the easier it is)

1) Cities that can apply for Internet: Beijing, Shanghai, Guangzhou, Shenzhen, Suzhou, Hangzhou, Chongqing, Chengdu and Xiamen. Non-above cities can apply for local branches;

2) Eligible "priority wealth management" customers can apply directly, and the approval rate of using the card is high;

3) Cards with more than 6 lines are likely to be rejected, so it is recommended to apply first.

Ease of free annual fee: ★★★★ (The more stars, the easier it is). The annual fee for the first year is 2500 yuan. For qualified "priority wealth management" customers, the annual fee of Sincere Platinum Credit Card (Debit Card) is reduced by 2500 yuan, and the total consumption of RMB dollars in that year1.5000 yuan is equivalent to RMB, and the annual fee of credit card (credit card) is exempted in the following year.

Rights and interests: ★★★★★

1) high-speed rail/airport shuttle service: airport/high-speed rail shuttle service four times a year;

2) VIP treatment of global airport high-speed rail: PriorityPass or Longteng, 8 rights per year;

3) points plan: domestic consumption 1 RMB 3 points, consumption abroad 1 USD 10 points, 36: 1 redeemable for airline miles such as Singapore Airlines, Asia Miles, China Eastern Airlines and China International Airlines, with an annual limit of 654.38 million miles;

4) Card protection: theft insurance, flight delay insurance, checked baggage delay insurance, etc.

5) Time-limited new home gift: before July 3, 2008, Kloc-0, 2065438, if you spend six times within 90 days after the card is approved and the single countable score reaches 266 yuan (inclusive) or equivalent US dollars, you can choose one of three schemes: boarding a 20-inch suitcase in Lexon, France, adding 240,000 points, 540,000 points or WMF portable fruit milkshake machine;

6)20 18 double gift of good partner duet cashback: cash back 5% of UnionPay cards online on Tuesday, and return to 200 yuan at most every month; 10% foreign Visa card can be cashed back up to $200 per month. Qualified priority wealth management customers can enjoy 20% cash back overseas, up to $300 per month.

Fourth place: Bai Qilin of Bank of Communications.

Ease of application: ★★★★★ (The more stars, the easier it is)

1) The first card was handled by a white household;

2) Received an invitation message from the Bank of Communications that invited the real card;

3) You can apply online, and ordinary cards with a quota of more than 30,000, several lines or low total credit are easy to pass;

4) Ward Wealth Management reaches standard customers.

Ease of free annual fee: ★★★★ (The more stars, the easier it is). Annual fee 1000. Within 45 days of checking the card, you can spend three pens at will, all of which are 65438 yuan +068 yuan, which can be exempted from the annual fee for the first year. You can deduct the annual fee with 250 thousand points in the following year or join the local tyrant index for six months.

Rights and interests: ★★★★

1) Airport "Ward Fortune" airport VIP service: the main cardholder can enjoy 6 Ward Fortune "airport VIP service, and the three supplementary cardholders can enjoy 6 Ward Fortune" airport VIP service;

2) Airport Longteng VIP room courtesy: the main cardholder can enjoy six Longteng VIP rooms, and the three supplementary cardholders can enjoy six Longteng VIP rooms;

3) Drunk driving service: In more than 70 cities across the country, you can enjoy 6 times of 50 km/time drunk driving service every year;

4) Redemption mileage of points: 18: 1 Redeem air mileage (Air China, China Eastern Airlines, China Southern Airlines, Hainan Airlines and asia miles), with a maximum mileage of 300,000 miles per year (the maximum mileage for all airlines is 540W/ year).

Third place: China Merchants Bank classic white "★★★☆"

How easy it is to apply: ★ (The more stars, the easier it is)

1) If the card is used normally, the amount of natural graduation gold card reaches 5W, or the amount of graduation by stages reaches 6W, you can try to apply for a classic white card. The application for pocket living quota can have a green channel, and the pass rate is very high;

2) Sunflower customers can apply for assets of 50W per day for 3 months;

Ease without annual fee: ★★★★ ★ (The more stars, the easier it is) The annual fee is 3,600 yuan, which can be deducted 10000 points, and the points on the birthday are 10 times, with the highest 10000 points. Need to register, it costs 22240 yuan.

Rights and interests: ★★★★★

1) 4+2 nights per year "300+ 100" high-end hotel benefits;

2) VIP lounge service at the airport six times a year;

3) Annual 1 free oral care service and 1 physical examination service (transferable);

4) mileage redemption: 1500 points can be redeemed for 2000 miles of Air China, China Eastern Airlines and China Southern Airlines, and 1800 points can be redeemed for 2000 miles of Asia, with 50,000 miles per household per year;

5) Aviation accident insurance up to150,000 yuan and travel inconvenience insurance up to 2,000 yuan (including flight delay).

Second place: people's livelihood elite Bai.

Ease of application: ★★★★★ (The more stars, the easier it is)

1) proof of income with an annual salary of 200,000 yuan;

2) 2.4 million real estate purchases;

3) The existing premium cards (Bai Hao Card, Centurion Platinum Card and above) may not be approved;

Ease without annual fee: ★★★★ (The more stars, the easier it is) Annual fee 1.800 yuan/year. Accumulate 200,000 exclusive points, and the annual fee can be automatically deducted on the annual fee day of the following year. Before March 365, 438+0, 2065, 438+09, if there is no activation record of Minsheng Credit Card (Debit Card), you can enjoy the first prize.

Rights and interests: ★★★★★

1) points: earn 900 points every year, which can be exchanged for airport CIP (full departure service for guests), airport VIP rooms, luxury hotel rooms, medical examination services, dental services, registration services, etc.

2) Enjoy the luxury accommodation experience: * * Fourth gear: 299 yuan +200 points; 399 yuan +200 points; 499 yuan +200 points; 599 yuan +200 points, convertible every natural year 1 time;

3)PriorityPass airport VIP room courtesy: the main cardholder can enjoy unlimited PriorityPass airport VIP room service;

4) Redemption mileage of points: 15: 1 is converted into air mileage (Air China, China Eastern Airlines, China Southern Airlines and Hainan Airlines), with an upper limit of 20,000 miles per year, after which the proportion is touching;

5) Travel accident insurance, aviation delay insurance, road rescue, etc. For example, 2 hours 1000 yuan is unlimited.

First place: Pufayun Copper White "★★★★★".

How easy it is to apply: ★ (The more stars, the easier it is)

1) You can apply online, and there is a great possibility of second refusal;

2) offline real estate, automobile production, proof of income, capping the social security base or approving specific products in stages are more likely;

Ease of annual fee exemption: ★★★★★★ (The more stars, the easier it is). The annual fee is 3,600 yuan, free in the first year, and 200,000 points can be deducted in the second year.

Rights and interests: ★★★★★★★

1) Enjoy the luxury accommodation experience: 50,000 points can be redeemed for luxury hotels, and hotel rights can be redeemed twice during the event;

2) Free airport transfer right in China: you can enjoy free airport transfer service in more than 40 major cities, 4 times a year;

3)PriorityPass airport VIP room courtesy: the main cardholder can enjoy unlimited PriorityPass airport VIP room service, and can accompany 7 people for free throughout the year;

4) Redemption mileage of points: 12: 1 converted into air mileage (Air China, China Eastern Airlines, China Southern Airlines and Hainan Airlines), with an upper limit of 6,543,800 miles per year (the upper limit of Hainan Airlines is 60,000 miles per year);

5) From June 30th, you can enjoy the second free extended stay if you book a room in China Shangri-La Hotel in advance. The duration of the activity is set at 5000 nights, and you can enjoy up to 2 rights and interests.

6) You can enjoy aviation accident insurance of up to150,000 yuan and travel inconvenience insurance of up to 5,000 yuan only by paying more than 70% of air tickets or tour group fees for yourself, your spouse and children in full with the Platinum Card of Pudong Express; Reliable flight activities are over.

7) Medical and travel rescue services at home and abroad.

What are the best platinum credit cards to buy?

Platinum credit card has a high credit limit, and rights and interests are the knowledge of card friends, but how to choose platinum credit card products issued by major banks? What are the best platinum credit cards for 20 18? Let me tell you something!

1, CITIC No.1 Platinum Credit Card

This is a small platinum that is easy to apply for, and it is easier for small partners who are not very strong in economic strength, but from the perspective of rights and interests, this card is also worth handling.

CITIC Credit Card can enjoy Starbucks, Haagen-Dazs and 9 yuan with 9 points, and buy two movie tickets and 365 activities at a discount, which can be enjoyed by all I Platinum credit card holders.

In addition, you can also enjoy online trading points, 50% discount on IMAX, 2-hour flight delay insurance, 5 million aviation accident insurance and other benefits.

2. Bank of Communications White Kirin Card

This is an old card that has been issued for many years and has never left the detective. Because of its rights and interests, it has never shrunk:

1) The main card and the supplementary card share the VIP service of "Ward Fortune" airport six times a year, and the main cardholder also has the Longteng travel service six times a year;

2) drunk driving 6 times a year;

3) High points, 3 times the US dollar consumption, 5 times the birthday, 2 times the current month, and the points can also be exchanged for air miles;

4) Annual fee 1 1,000 yuan can be deducted from 250,000 points.

3. Pufa American Express Platinum Credit Card

Known as the "platinum card that can take you to the world", the rights and interests are very bright and worth handling, but the premise is that your economic conditions can pass: domestic customers demand an annual salary of more than 400,000 after tax, and foreigners demand more than 650,000.

Pufa American Express Platinum Credit Card Equity

20 18 There are many platinum credit cards worth handling, but it is also very important to choose a product that suits you according to your credit application. If your financial strength is not hard enough, you may wish to apply for CITIC I Platinum.

This is the end of the introduction about the Platinum Credit Card worth applying for and what kind of card it is. I wonder if you found the information you need from it?