Ward's standard SMS invitation

This paper sorts out the platinum cards of various banks in the market from three dimensions: difficulty in handling cards, annual fees 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 beautiful, so you don't have to be nostalgic after approving the card;

3) The applicant must be at least 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+RMB 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) and apply at the same time within a period of 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) the main card 1400, and the auxiliary card 700 (the main card sends 1000 yuan JD.COM e card or Ctrip Anyou card every year), and the annual fee is basically 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.

Equity: ★★★★/

1) Gift application: From April, 2065438 to June, 30, 2065438, new customers who successfully applied for a Citi gift card for the first time will meet the corresponding requirements within 60 days (natural day) after the card is verified, and they will get 5000 Citi miles if the accumulated qualified consumption reaches 1 000.

2) Citi's itinerary can be redeemed for air miles by 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, which are recommended to be used every time you eat. This year, a lot of points were wasted (the card was replenished 3 times);

4) Pay for the shuttle bus within 60 kilometers (89 for three business seats, 5 for business seats 149, and two for foreigners ...);

5) Credit card (debit card) gold and gift exchange: 800 Citi Miles will be exchanged for 20 RMB, and USD card 1500 Citi Gift will be exchanged 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 the mileage of multiple airlines at present and in the rules. You only need to have 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) refund activities and irregular lottery activities every year, which are basically properly returned, low-key and worthy of participation.

Ninth place: safe travel.

Simplicity of application: ★ (The more stars, the simpler)

1) can be applied online;

2) You can use the house to handle the card, the car to handle the card, the card to handle the card, the asset purchase, the Ping An Life Insurance Company of China insurance policy purchase and the quality occupation purchase and so on.

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

Equity: ★★★★/

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 feedback money, but the accumulated consumption amount (safety of their own activities);

2) 28% discount on refueling: Platinum card has its own car purchase card function, and you can get a 28% discount on refueling if you spend 2,000 yuan per month, and you can recharge 500+200 online, so you can participate directly without registering a Platinum card;

3) Ping 'an Overpayment: You can get the mall coupon when the consumption reaches the standard. Once every three months, this activity and tourism overlap, which is a waste of time. Moreover, activities can sometimes accumulate consumption without online points;

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

Eighth place: CITIC Yika Xiaobai.

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

1) Online application: loan-to-loan account, holding a first-class savings card of CITIC Bank, and the debit card function of Easy Card needs to be downgraded to a second-class card, with low quota and decreased income;

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 Free Annual Fee: ★ (The more stars, the easier it is) 480 yuan's annual fee is small platinum, and 60,000 points will be deducted next year.

Equity: ★★★★/

1) The most important advantage of this card is that the bonus points are linked to the assets in CITIC: assets ≤5W, platinum cards with 3 times points; 5w "Assets ≤20W, platinum card 6 times points; Assets "20W, platinum card 9 times points, the upper limit of points for each billing month is 9 times the fixed amount, so the amount is very important;

2) Redemption mileage of points: 12500 points are converted into 500 points, which is equivalent to 9 times of points, and the ratio is 2.8: 1. The annual total quota of Air China, China Eastern Airlines, China Southern Airlines and Hainan Airlines is 15W, and the maximum quota of asia miles is 5W, totaling 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 of the main card is 900.

Equity: ★★★★/

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

2) Quick security check and VIP room courtesy at CIP airport: During the natural year, 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 Aviation Co-branded Card Platinum Card (not limited to China Southern Airlines) "★★★★☆"

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

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

2) handle the invitation;

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 of the main card is 2500.

Rights and interests: ★★★★★★★★

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

2) Issue the Priority Pass card free of charge, with which you can use more than 600 airport VIP rooms around the world for unlimited times, and you can enjoy VIP treatment at home and abroad;

3) Enjoy VIP reservation registration service and medical guidance service in major cities in China three times a year;

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

5) Up to 5 million yuan aviation accident insurance 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; Guangfa Aviation Co-branded Card can provide cardholders with all-round VIP services, so it is especially suitable for business travelers.

Fifth place: Standard Chartered Zhencheng 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 to 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 and USD in that year is1.5000 yuan, equivalent to RMB, and the annual fee of credit card (debit card) in the next year is exempted.

Rights and interests: ★★★★★

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

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

3) Points plan: if you spend 1 yuan at home, you can get 3 points, and if you spend 1 dollar abroad, you can get 10 points, and 36: 1 points can be exchanged 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, 20081day, if you spend 6 times within 90 days after the credit card is approved and the single countable points reach 266 yuan (inclusive) or equivalent US dollars, you can choose one of the following three options: boarding a 20-inch suitcase at Lesen Airport, France, plus 240,000 points, 540,000 points or WMF.

6)20 18 Good Partner Duet Cash Back Double Gift: 5% cash back on UnionPay card online shopping on Tuesday, and return to 200 yuan at most every month; Overseas Visa cards can be cashed back 10%, with a maximum cash back of $200 per month. Qualified priority wealth management customers can enjoy 20% overseas cash back, up to $300 a month.

Fourth place: Bai Qilin of Bank of Communications "★★★★★☆"

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

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

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

3) You can apply online. Puka with a quota of over 30,000, a small quota or a low total credit is easy to pass;

4) Ward Wealth Management meets the standards of customers.

How easy it is to avoid the annual fee: ★★★★ (The more stars, the easier it is). The annual fee is 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 250,000 points or join the local tyrants index for half a year next year.

Equity: ★★★★/

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) Redeem mileage of points: 18: 1 Redeem air mileage (Air China, China Eastern Airlines, China Southern Airlines, Hainan Airlines and asia miles), with a maximum of 300,000 miles per year (the maximum mileage redemption limit 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 a fixed amount of pocket life can have a green channel with a high pass rate;

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. You need to register and spend 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) Free oral care service and physical examination service 1 time per year (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) Up to/kloc-0.5 million aviation accident insurance and up to 2,000 yuan travel inconvenience insurance (including flight delay).

Second place: people's livelihood elite Bai.

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

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

2) Purchase 2.4 million properties;

3) 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). The annual fee is 1.800 yuan/year. If you have accumulated 200,000 exclusive points, you can automatically deduct the annual fee on the annual fee day of the following year. Before March 365 438+0, 2065438, 2009, 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 (guest departure service), airport lounge, luxury hotel room, medical examination service, dental service, registration service, etc.

2) Enjoy the luxury accommodation experience: there are four grades: 299 yuan +200 points; 399 yuan +200 points; 499 yuan +200 points; 599 yuan +200 points, convertible every natural year 1 time;

3) Priority access to the airport VIP room: the presiding cardholder can enjoy unlimited priority access to the 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 unlimited times.

First place: Pufa Cloud Copper White "★★★★★".

Simplicity of application: ★ (The more stars, the simpler)

1) can apply online, and the possibility of second refusal is very high;

2) It is more likely that offline real estate, automobile production, income proof, social security base will be capped or specific products will be approved in stages;

How easy it is to avoid the annual fee: ★★★★ (The more stars, the easier it is). The annual fee is 3,600 yuan, which is free in the first year and can be deducted with 200,000 points 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)Priority Pass airport VIP room courtesy: the presiding cardholder can enjoy unlimited Priority Pass airport VIP room service, and can accompany 7 people free of charge 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 the 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, if you book a room in China Shangri-La Hotel in advance, you can enjoy the second free extended stay. The duration of the activity is 5000 nights, and you can enjoy 2 rights at most.

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 Shanghai Pudong Express; Reliable flight activities are over.

7) Domestic and international medical and travel rescue services, etc.