China International Air Traffic Bank Credit Card

Which is Air China Credit Card? Companion Peony Card VS Companion Dragon Card

If you often travel by plane, you can consider getting a China Airlines letter co-branded card, which is very cost-effective for mileage exchange and can also be exchanged for free air tickets. Here, we selected two good airline cards, Air China Zhiyin Peony Credit Card and Air China Zhiyin Long Credit Card. As for which is good, it depends on how you choose.

1. Air China Companion Peony Credit Card

Basic information

Universe Bank has a relatively complete set of cards. VISA+MASTER+ American express card institutions have it. VISA and MASTER have platinum cards, others have ordinary cards and gold cards.

Annual fee: Gold card and Puka are exempt from annual fee in the first year, swiping card for 6 times is exempt from annual fee in the next year, and Platinum card is exempt from 200,000 yuan (official website didn't prompt, but it is basically equivalent to other Platinum cards of Universe Bank, such as black and white dishes).

Redemption mileage ratio: 15: 1

Welfare rights and interests

1) All three cards are currency cards, and any consumption abroad will charge 0 currency conversion fee.

2) Platinum Card will receive aviation accident insurance with a maximum value of RMB 4 million.

When paying the full fare of commercial passenger transport by credit card or not less than 80% of the tour fare, the gold card can get the traffic accident insurance with the highest value of 1 10,000 yuan, and the ordinary card can get the traffic accident insurance with the highest value of 500,000 yuan.

3) Air China Companion Peony Credit Card customers can get travel inconvenience insurance (including flight delay insurance, baggage delay insurance and baggage loss insurance) by paying the full amount of business passenger tickets or not less than 80% of the tour fare by swiping their cards, making the journey safer and more worry-free.

Insurance amount for flight delay (more than 4 hours): domestic 500 yuan/trip, overseas 1 1,000 yuan/trip, totaling 5,000 yuan/year;

Luggage delay (more than 4 hours) insurance coverage: domestic 200 yuan/time, foreign 500 yuan/time, a total of 1, 000 yuan/year;

Insurance amount for lost baggage (more than 24 hours): 65,438 yuan+0,000 yuan/time in 500 yuan and overseas, totaling 5,000 yuan/year.

Comments: Cosmic Bank is extraordinary in temperament and generous in hand. There has never been any phone call for consumption in N years, which is beyond the reach of any bank. For this reason, even if you don't apply for the ICBC Air China co-branded card, you have to apply for other cards of Universe Bank.

2. China International Airlines Yin Zhilong Card Credit Card

Basic information

Card organization: UnionPay Gold Card+Platinum Card, MasterCard Platinum Card.

Annual fee: Gold card swipes 6 times, and Platinum card swipes 10 times (the annual fee clause was not written by official website, and the number of swipes is exempt from previous experience).

Mileage redemption: gold card 15: 1, platinum card 12: 1.

Welfare rights and interests

1. You can get 5 million platinum cards and 1 10,000 gold cards for aviation accident insurance when you buy air tickets with Yin Zhilong card;

2. Air China can obtain aviation delay insurance and baggage delay insurance if its domestic flight is delayed for more than 4 hours (200 yuan will be paid for the delay insurance every 4 hours, with Puka paying a maximum of 1 0,000 yuan, other cards paying a maximum of 2,000 yuan, luggage delayed every 4 hours paying a maximum of 1 0,000 yuan, Puka paying a maximum of 500 yuan and the rest paying a maximum of 1

3. There are some rights similar to renting a car, which is better than using UnionPay directly and much better than what comes with it.

Comments:

The cards are all full currency cards, and there is no currency conversion fee for consumption abroad, which is not bad. Nowadays, in order to distinguish between card types and functions, many banks have made some minority cards with full currency, which is a great idea. If the function has a selling point, the number of cards issued will increase.

UnionPay Platinum Card is very cost-effective. All activities organized by UnionPay that require platinum card participation (such as Hyatt Hotel, such as one-yuan parking and one-yuan pick-up) can be participated, and even UnionPay's own overseas credit card return to Air China mileage can be participated (this activity can be done by ordinary UnionPay single-label credit card).

If you look at the cumulative ratio, MasterCard and UnionPay Platinum can be used, depending on personal needs. If I were you, I might do UnionPay Platinum.

What are the advantages of BOC, Air China Companion and BOC credit card products?

Air China bosom friend BOC credit card product advantages;

1. Future Wan Li points plan: the points of the co-branded card will be accumulated into the future Wan Li points plan of the co-branded card, which will be automatically converted into Air China air miles on the billing date of each month. The Air China bosom friend membership card automatically transferred to the cardholder will be merged with its existing Air China air miles, and the conversion standard is 18 points conversion 1 km.

2. Colorful Gift Points Plan: In addition to the above-mentioned future Wan Li points plan, cardholders will also receive an additional 50% bonus points from us, which will be accumulated into the colorful gift points plan, and cardholders can redeem generous bonus gifts.

3. Air China employees do not enjoy the automatic mileage redemption service of "Future Wan Li Points Plan", and 65,438+050% of the points are accumulated in "Colorful Gifts", which can be redeemed independently in "BOC Points 365".

4. The automatic redemption service of Air China's air mileage "Future Wan Li Points Plan" is only provided to the holders of the main card and supplementary card of Air China Yin Zhi Bank, and the mileage will be included in the respective accounts of Air China Yin Zhi members of the main card and supplementary card holders (for some supplementary cards with aviation membership numbers added earlier), that is, Air China Yin Zhi members stamped on the front of Air China Yin Zhi Bank credit card.

5. Air China Yin Zhi Bank of China credit card holders can combine and redeem the "bride price" points with all the points of Bank of China credit card products under their names.

Tips: Preferential rights will be adjusted at any time according to business development and market changes. Please refer to the actual product promotion.

The above contents are for your reference. Please refer to the actual business regulations.

If you have any questions, please contact online customer service of Bank of China.

You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.

[img] How to choose an airline joint credit card?

Specifically, you should choose your favorite destination, otherwise there will be no more routes and no place you want to go, and it is meaningless to accumulate mileage.

1, the ratio is the best at present-ABC aviation co-branded card.

ABC's aviation co-branded cards are divided into platinum cards and gold cards. Gold card is preferred, because the application threshold is low, 6 times can be exempted, and there is no card processing cost.

At present, there are six, and the partners are Air China, China Eastern Airlines, Hainan Airlines, China Southern Airlines, Xiamen Airlines and Kyrgyzstan Airlines. Except for Jihang, the exchange rates of China Eastern Airlines, Air China, Hainan Airlines, China Southern Airlines and Xiamen Airlines are all 15: 1. At present, the membership level can be doubled, and the comprehensive ratio is 7.5: 1.

This month, the five-fold points of ABC's credit card were not renewed, and friends complained that ABC's aviation co-branded card was finished, especially some friends who got stuck at the end of June. There is no need to hesitate between keeping and canceling the card. Even if there is no 50% discount, the ratio of 7.5: 1 is better than that of most airline co-branded cards that are free of annual fees. So, what do you have to complain about?

ABC credit card members can unconditionally enjoy the benefits of 2 points (you need to receive the benefits manually, and the path is the "ABC Credit Card" applet-click on the top member level-member benefits-double points).

If you try to upgrade to the diamond level, you can get 5 times points, reaching a comprehensive ratio of 3: 1 Of course, for most small partners, it is difficult to reach the diamond level, so the Buddha can score twice as many points.

If the qualification is acceptable, then ABC Airlines joint platinum card is also a rare good card. Except for auspicious co-branded cards, the conversion ratio of China Southern Airlines is 13: 1, and that of other airlines is 12: 1. With double points, China Southern Airlines is 6.5: 1, and other airlines are 6: 1.

Other rights and interests, such as CIP services, are basically the same as ordinary platinum essence.

The annual fee is 880 yuan/year, which is rigid in the first year, and the annual fee for the following year is exempted after spending 30 transactions. Please note that the annual fee waiver for the first year is still valid. More patience and more customer service calls will save 880 yuan.

I can't find the second aviation co-branded card with a ratio of 6: 1 free of 30 annual fees (except for some cards of local banks).

Related reading: ABC Airlines co-branded Platinum Card (please automatically exclude 5 times points).

2, the highest cost performance-Industrial Bank China Eastern Airlines, China Southern Airlines elite white

In terms of free mileage, I only serve Xingye's China Eastern Elite White and China Southern Elite White, and the ratio of China Eastern Elite White to mileage is10:1; China Southern Elite 12: 1.

Pay 19 yuan online every day, and you will get 1 lucky draw opportunity, ranging from 6 to 60,000 points, and draw 60,000 points, that is, 6,000 miles of China Eastern Airlines or 5,000 miles of China Southern Airlines. Although the probability of winning now is not high, you can always win if you persist. In addition, this month's activities are overweight, and you can participate twice a day.

Taking these two cards for daily consumption is definitely not cost-effective. Why not use ABC's aviation co-branded card with the ratio of 10: 1? So it is enough to participate in the online payment lottery every day, and these two cards can get mileage for free.

At present, both China Eastern Elite Baishou Card and Second Card can be applied. The first card can be applied in China Eastern Airlines app, and the second card must be applied under Xingye outlets. China Southern Elite White is limited to new entrepreneurs and can apply in China Southern app (path: China Southern app- Home-China Southern Members-Co-branded Card).

3. Consumer feedback is the co-branded card with the most characteristics of CGB airlines.

As for which bank has the most comprehensive aviation co-branded card, the answer must be Guangfa, which has issued co-branded cards including Air China, China Eastern Airlines, China Southern Airlines, Hainan Airlines, Spring and Autumn Airlines, Shandong Airlines, Sichuan Airlines, Xiamen Airlines and Shenzhen Airlines. Except for the spring and autumn aviation co-branded cards, the conversion ratio is 4: 1 (spring and autumn integral 100 equals 1 yuan), the conversion ratio of other aviation co-branded cards is 14: 1.

This ratio looks weak.

It's really weak, but don't forget the shopping mall coupons that will be given every quarter when the business travel consumption reaches the standard. Quarterly business travel expenses of Gold Card: RMB 6,543.8+0,000 Yuan ≤ Quarterly expenses < RMB 30,000 Yuan, and you can get coupons from 50 yuan Guangfa Mall; 30,000 yuan ≤ quarterly consumption < 60,000 yuan, get 160 yuan Mall coupon; If you spend 60,000 yuan or less on a quarterly basis, you can get coupons for 340 yuan Mall. It is equivalent to spending 20,000 yuan per month, and getting the mall coupon of 1.360 yuan every year.

Don't think this mall coupon is an IQ coupon. In fact, there are quite a lot of things you can buy, such as supermarket cards and oil cards, so don't worry about not spending them. In addition, the corresponding consumption can also get 17 142 mileage.

Well, Shuai Shuai, the co-branded card of the three banks with the best ratio, the highest cost performance and the most feedback, has been found out for everyone. How to choose is up to you.

Maybe some friends will ask: why not use other cards to accumulate comprehensive bank points and then redeem mileage, which is much better? Indeed, for example, the conversion mileage ratio of the Bank of Communications' comprehensive points is 18: 1, and the ratio of 3.6: 1 can be achieved by using five times the points of Shenka-Niuka, and it is easy to win the aviation co-branded card. So, Niuka is out of print.

On the other hand, there is an upper limit for converting comprehensive points into air miles. For example, Guangfa is generally two Wan Li. Even if all kinds of activities are superimposed with N times points, the upper limit will be blocked, and it doesn't make much sense.

Or you have accumulated a lot of comprehensive points and found that the points were frozen and cleared when you redeemed them.

Aviation co-branded cards generally do not have these problems, and the upper limit of redemption mileage is higher and safer. As can be seen from the above, the proportion of mileage redemption and the cost required are not that bad. Therefore, Shuai Shuai's suggestion is: first, use ordinary credit cards to participate in activities to accumulate comprehensive points and reach the redemption limit, and then the airline co-branded cards will be brainless.

Finally, don't be half-hearted about the accumulated mileage, but focus on an airline, because the more mileage, the greater its value.

Joint credit card refers to the agreement reached between credit card and commodity distributor, so that cardholders can not only enjoy excellent financial services, but also enjoy special discounts from manufacturers when spending.

Compared with other forms of credit cards, joint credit cards have the following characteristics:

1, and the application requirements are low.

Using the ready-made co-branded card partner database, the number of credit cards issued can be increased rapidly in a short time, and the standards required for applicants are relatively low. For example, the teachers and students of the corresponding school can basically apply for a successful Longka prestigious school card.

2. Co-branded cards can enjoy double discount.

In addition to common functions such as ordinary credit card overdraft and interest-free installment, you can also enjoy similar membership card discounts in joint merchants.

Advantages:

1, integer

This is a function that almost all co-branded cards have. Where joint merchants spend by credit card, the merchants will give corresponding points according to the consumption amount to attract consumers, and specially prepare some very special gifts, stipulating that they can only receive them according to the consumption points to attract consumers to shop.

2. Discount

This is another major feature of the co-branded card. In order to attract frequent customers, merchants give discounts through co-branded cards. For some designated discounted goods, the merchant stipulates that you can only enjoy the discount with a co-branded card, which is something that you can't enjoy in cash or other ways.

Some high-profit shopping malls even stipulate that you can enjoy different discounts as long as you use a co-branded card. For those who want to spend money in the mall anyway, it can be said that it is cheap to get a co-branded card and enjoy the discount service.

3. Value-added

This is the most worthwhile place to make a fuss about co-branded cards. For car buyers, a co-branded card means that only with a card can you enjoy the proper maintenance service, such as the Toyota co-branded card in Japan.

For people who buy a house, the co-branded card is a master key of the owner. With the card, not only can the house be discounted, but it can also be used as a door opening card, a parking card, a property card, a friendship card and so on. For example, Vanke co-branded card of a real estate tycoon.

For the general shopping mall consumers, the co-branded card may have more humanized service functions, such as the co-branded card of Tesco supermarket, which can take the free bus provided by the supermarket.

The benefits of co-branded cards have been recognized by cardholders, merchants and banks, and more and more projects have been launched one after another. I believe that in the near future, co-branded cards will become more popular and bring more benefits to consumers.

What are the product advantages of Bank of China, Air China and Bank of China Credit Card in Yin Zhi?

1, two cards in one, double courtesy

The membership number of Air China Yin Zhi Club is stamped on the card surface. When redeeming the boarding pass, you only need to show the joint card to complete the accumulation of Air China flight award miles.

2. Double points and triple mileage accumulation

(1) Future Wan Li Points Plan

If you spend or withdraw 1 yuan (or 1 USD) with a co-branded card, you can get 1 points (or 7 points), and the part that is less than 1 yuan still accumulates as 1 points.

(2) colorful gift points plan

In addition to the future Wan Li points program, you will also receive 50% bonus points donated by us, which will be accumulated into the colorful gift points program.

3, aviation insurance value-added services

As the contents of insurance services will be adjusted according to market conditions, please refer to the announcement of official website.

4. Air China Companion Member Award Mileage

Using the China Bank Credit Card of Air China Companion to swipe the card at Air China and its partner merchants (inclusive), not only can you get mileage, but you can also get mileage rewards provided by Air China and its partner merchants, and you can accumulate double mileage in one consumption.

The above contents are for your reference. Please refer to the actual business regulations.

If you have any questions, please contact online customer service of Bank of China.

You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.

Top Ten Credit Cards in China

Baidu Knows

Top Ten Credit Cards with the Highest Gold Content in China

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The top ten credit cards with the highest gold content in China are as follows:

1, Minsheng Bank Diamond Credit Card, among the credit cards issued in China, the most outstanding one should be Minsheng Bank Diamond Card. Although the color of the card is not black, its credit limit can reach up to 3 million RMB, and the annual membership fee is as high as 10000 RMB.

2. ICBC Peony Platinum Card, which claims to have only 7,000 users worldwide. As one of the four largest state-owned banks in China, the issuance standard of Peony Platinum Card is quite strict. Individuals cannot take the initiative to apply, and they must be invited by the bank to apply.

3. China Everbright Bank Yanhuang Credit Card-Platinum Card, features: ultra-high aviation risk.

4. CITIC Bank Air China Companion CITIC Credit Card, Platinum Card, Features: The first Platinum Air China Companion Credit Card.

5. CITIC Bank CITIC Star dual-currency credit card and platinum card. Features: global airport VIP room courtesy.

6. China Everbright Bank Everbright Golf Credit Card and Platinum Card. Features: In more than 65,438+050 golf courses all over the country, you can enjoy the preferential golf service at a discount of 5-7% off the tourist price.

7. Everbright Bank Sunshine Business Travel Credit Card and Platinum Card. Features: VIP enjoyment, optional.

8. China Merchants Bank China Merchants Bank Platinum Credit Card, Platinum Card, Features: National Special Store.

9. Shanghai Pudong Development Bank Pudong Credit Card, Platinum Card, Features: RMB/USD dual currency settlement.

10, Pufa Dream Card, personalized personal tailor service, distinguished vip service at many airports at home and abroad and high-speed railway station, preferential service at international hotels, free of annual fee, and high cash rebate for consumption abroad.

What kind of credit card does China Bank use?

Bank of China has issued many credit card products, including: Personal Jinpu Credit Card, Platinum Credit Card, Unlimited Credit Card and American Express Card. , perfect function, rich and colorful activities. You can learn about it through credit card WeChat official account, colorful life APP, official portal, customer service hotline and other channels.

The above contents are for your reference. Please refer to the actual business regulations.

If you have any questions, please contact online customer service of Bank of China.

You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.

The launch of Air China Credit Card and Air China Bank of Communications Credit Card ends here. I wonder if you have found the information you need?