There are many kinds of credit cards in various banks, which often make many card friends picky and don't know which one to choose. Today, we have integrated ten credit cards that netizens agree are the most cost-effective, and introduced them to you in two parts, hoping to help you choose a card.
List of top ten cost-effective credit cards
1, China Merchants Bank Young Card: the entry-level preferred card for young people, with relatively low threshold, under 30 years old and stable work income. Even young people who have just entered the society have the opportunity to get rid of their cards, and the first withdrawal every month is free, which is more suitable Keep a good habit of using the card, and occasionally make some contributions in stages, and the quota will be faster.
2. Ping An Bank Owner Card: Specially tailored for car owners, which can provide 8.8% discount on refueling. It can be returned to 60 yuan at most every month, and to 720 yuan at most every year. It can also be given 165438+ 10,000 yuan of vehicle accident insurance and 30 kilometers of free road rescue. The maximum amount is 50 thousand, usually it is better to have a car under your name. 200 yuan's rigid annual fee will be charged for opening the card in the first year, and the annual fee for the following year will be exempted if it exceeds 30,000 yuan.
3. Bank of Communications Wal-Mart Credit Card: one of the essential cards in daily life. As long as there is a Wal-Mart supermarket near home, there is absolutely no loss in getting a card. You can spend money at Wal-Mart's designated stores, such as physical POS machines, UnionPay payment and WeChat payment, and the amount is not limited. If you swipe your card, you can refund the payment. The monthly limit is 150 yuan, and the transaction amount can be deducted.
4. Guangfa True Love Credit Card: It is said that it is the easiest card in Guangfa Card, especially suitable for women. Many card versions can be freely selected, merchants can choose 3 times points for online shopping, and there are high health gifts for women. It can be used to renew insurance, exchange points for critical illness insurance, travel accident insurance and shopping protection insurance, which makes thousands of women crazy.
5. ABC has beautifully upgraded its mother's credit card: the card face is fashionable and personalized, and there are two kinds of gold cards and platinum cards, which can provide multiple exclusive rights such as preferential maternal and child merchants, preschool education and health care. UnionPay Platinum Card can also enjoy parking service at 0 yuan Airport, two nights in a five-star hotel, 50% discount on buffet and afternoon tea in a five-star hotel. This is necessary for a baby mother.
There are many kinds of credit cards in CCB. Which one should I choose?
Customers can log on to the homepage of CCB official website, learn about various card rights through "Credit Card-Credit Card Application", and then choose to apply for a credit card according to their own preferences. If the credit card products applied by customers are aimed at a specific group of people, they can apply at CCB outlets.
(In case of business changes, please refer to the actual situation. )
You deserve a high-value black card credit card.
This is an era of looking at faces. The higher the face value, the more people pay attention to it, and so do credit cards. As far as we know, many people like black card credit cards, thinking that they can show their mature and steady personality, but this does not mean that black cards cannot have super high face value. Here are some black cards with the highest value.
Some cardholders said that the credit cards of Agricultural Bank, Bank of Communications, Industrial Bank and Huaxia Bank, which are mainly black, have good face values. Among them, off the list, Bank of Communications elite card, Huaxia World enjoys quiet and elegant card, which can be said to be the best two. Poke here to get the card quickly.
1. Bank of Communications Elite Luka
Yan value index: 5 stars
Application conditions: You can apply for the gold card level of Bank of Communications.
Card limit: there are tens of thousands and tens of thousands.
Reason for introduction: overseas offline consumption 1 annual fee exemption for the following year.
Second, Huaxia World Exclusive Card
Yan value index: 5 stars
Application conditions: you can apply if you hold the Huaxia Elite Zunshang Platinum Card level.
Card limit: 50,000 or higher
Reason for introduction: the annual fee of the current year is exempted for spending US dollars or RMB 15K, or the annual fee is exempted for exchanging 50,000 points.
Second, China Merchants Bank MasterCard full currency card
Yan value index: 5 stars
Application conditions: You can apply for the gold card level of China Merchants Bank.
Card limit: there are tens of thousands and tens of thousands.
Reason for introduction: Free of annual fee within the validity period.
How to deal with credit cards in personality cards?
The situation of each bank is different.
(1) Shanghai Pudong Development Bank can customize various types of credit cards.
(2) China Merchants Bank, Diamond Credit Card and golden sunflower card customers with total assets of 500,000 yuan can be customized.
(3) Everbright Bank, a user who already holds a Everbright credit card, can apply for a dazzling number card when handling the second card, which can be customized for 6 people.
(4) Industrial Bank and UnionPay Constellation Gold Card can define the last 6 digits.
(5) CCB and Longka credit cards can be customized for payment.
(6) Ping An Bank and diamond card users can apply for customized debit cards.
(7) Bank of Communications can apply for customized Ward Wealth Card with daily average assets of more than 500,000 yuan.
(8) hengfeng bank Xinyi Card Savings Card personality cards noodles, optional, free.
1. Shanghai Pudong Development Bank
As for the debit card of Shanghai Pudong Development Bank, both the 2020 Zodiac debit card of the Year of the Rat and Yao Xingka of the Happy Yangtze River Delta support customization. The charges for the two cards are the same, and the customization fee is only 18 yuan.
Second, China Merchants Bank.
Golden sunflower card, China Merchants Bank Platinum Debit Card, supports independent choice of personality.
Users can apply at bank outlets. It should be noted that to handle this card, assets (deposits, funds, insurance, entrusted wealth management, national debt and third-party depository, etc. All accounts in the same branch of China Merchants Bank must reach RMB 500,000.
In addition, in terms of credit cards, China Merchants Bank Diamond Credit Card also supports customization.
Four. industrial bank
Industrial Bank UnionPay Constellation Gold Card (12 Constellation) supports customization of 6 digits, and different special card face technologies can be selected. Customization fees range from 66 to several hundred.
Verb (abbreviation of verb) China Construction Bank
CCB Credit Card supports a variety of card surface customization, including Zodiac series, National Tide City series, Inspirational series, National Tide Lucky series and other themes, and also supports the last six kinds of customization.
What does diy credit card mean?
Even if you have never used a credit card, at least you have heard of it online or in a bank. As for how to diy credit cards, it depends on our own creativity. The following is what I mean by diy credit card for your reference!
What does diy credit card mean?
That is, you can choose your own credit card face, such as your parents' photos, children's photos and your wedding photos. Just look at my LOVE Card in CCB official website.
Guangfa DIY credit card use guide
Guangfa DIY Credit Card is a credit card product specially designed for young and fashionable white-collar workers. This card product is based on the preferential platform of points. It selects three types of merchants: catering, entertainment, shopping and tourism, provides credit card consumption, enjoys triple points, meets your fast-paced work style, and advocates simple and independent consumption.
3 times points of self-selected merchant type
You can freely choose your favorite merchant type from the following three merchant types and enjoy triple points discount.
Catering and entertainment: including various businesses such as catering and entertainment.
Shopping category: including department stores, supermarkets, clothing, shoes and bags, etc.
Travel category: including air tickets, hotels, vacations, tourism and other businesses.
Remarks: If only one category is selected, it will be free; If multiple categories are selected, 29 yuan/year will be charged for each category.
Consumption points or free gift exchange
Your GDB DIY credit card spending points can not only be exchanged for bonus gifts at will, but also be directly used to deduct consumer arrears. Every 65,438+00000 points will be credited to 20 yuan, and more points will be deducted.
Functional details:
1. At present, the function of "triple points for self-selected merchant type" is only applied when the card is opened. After the card is opened, the application, modification or cancellation of the service will not be accepted for the time being. We will make adjustments in the subsequent business development. Please pay attention to our website () or SMS notification.
2. The merchant types of "triple points of optional merchant types" are as follows: (the number in brackets is the merchant category code, that is MCC), including dining places and restaurants (58 12), fast food restaurants (58 14) and drinking places (bars, pubs, nightclubs, cocktail halls and discos) (58/4) Shopping categories include large warehouse supermarkets (54 1 1), large warehouse household goods stores (5200), department stores (53 1 1), electronic equipment, household appliances stores (5732) and sporting goods stores (594/kloc). Travel includes accommodation services (hotels, hotels, motels, resorts, etc.). ) (70 1 1), sports and entertainment campsite (7032), railway passenger transport (4 1 12), airlines (45 1 1). Ship and cruise service (44 1 1), car rental (75 12), tourism and exhibition (799 1), and direct sales of tourism-related services (5962).
3. Consumption points must be converted into 10000 points to offset consumption arrears. When the card points are less than 10000 points, the application will not be accepted. Every 10000 points can be used to deduct 20 yuan, and the preferential points applied for each time must be an integer multiple of 10000 points, and the deduction amount cannot exceed the accumulated arrears of DIY card on the same day.
4. Guangfa DIY credit card gold card can enjoy multiple points if it spends up to 200,000 yuan per month; Puka can enjoy multiple points with a maximum monthly consumption of 6.5438 million.
5. If you encounter delay or risk in a settlement month, all transactions in that settlement month will not get multiple points.
6.GDB DIY credit card will be sent out in the second month of the transaction.
7. If your Guangfa DIY credit card is an IC chip card, it supports credit card transactions and electronic cash transactions. The balance of the electronic cash account is initially 0, which can be recharged through the credit card account of this card. If you use Guangfa DIY card to make electronic cash flash payment, the transaction is not counted and you don't enjoy multiple points.
8. If your Guangfa DIY credit card is an IC chip card, you can support electronic cash transactions in merchants with (UnionPay) or (Flash Payment) logo, and you can complete it by inserting a card or debit card.
9. If the credit card is lost, you can call our customer service hotline 95508 to report the loss of the credit card, and the electronic cash account cannot report the loss.
10. If your Guangfa DIY credit card is an IC chip card, you need to transfer the electronic cash balance of the old card to the new card at the counter when updating or replacing it, and the old card will be recycled and destroyed by our bank. The bank will transfer the balance of the electronic cash account to the new credit card account within 30 natural days after acceptance, and the transfer amount shall be subject to the amount recorded by the banking system. If it is not returned, the electronic cash balance of the old card can continue to be used until the card expires, during which it is not allowed to be deposited.
1 1. If your Guangfa DIY credit card is an IC chip card, the cancellation of its electronic cash account must be handled at our outlets, and the card will be recycled and destroyed by our bank.
12. Within the scope permitted by law, Guangfa Bank can adjust this product and detailed rules of activities according to the provisions of national laws and regulations and the actual situation.
Personalized credit card: You can DIY your own card face.
Today's credit card, in addition to rich functions, a colorful and personalized card face is also essential. Some banks offer DIY cards, allowing users to design their own credit cards.
For example, Mr. Cheng has been married for five years and has always had a good relationship with his wife. She has been looking for an opportunity to express her love, but her wife doesn't like to send roses. By chance, Mr. Cheng learned from his colleagues that there is a personalized credit card that can be made by DIY. So he made a card with their wedding photos as a commemoration of their fifth wedding anniversary.
For young people, having a self-identified credit card is a unique personality. A personalized credit card is not only a credit card, but also a sign of their identity.
At present, personalized credit cards include MYLOVE card of China Construction Bank. Users can upload and edit personal photos (such as close-ups of precious babies, sweet wedding dresses, warm family photos and so on). ), choose your favorite pictures from the website gallery, and design your own MYLOVE credit card face and CITIC Bank QQ-DIY credit card. Cardholders can design QQ show pictures for their cards and print their own works on the card surface. There are also the dog card of Guangfa Bank and the wow card of Shanghai Pudong Development Bank.
Foreign credit card
Credit cards of different shapes can be divided into standard credit cards and irregular credit cards. The so-called irregular credit card refers to a credit card with irregular shape, which can be built with various chips, that is to say, it has many different functions.
I. Definition of foreigners' credit cards
Irregular credit cards refer to credit cards with irregular shapes, which are generally non-international standard cards tailored for personal needs, and their card thickness and size are different from those of standard credit cards.
Heterogeneous credit cards have different base thicknesses, card sizes, etc., and personalized patterns or memorable pictures may be used on the card cover.
However, due to the unconventional size of the special-shaped card, its use is limited. Therefore, in order to ensure that cardholders can enjoy all the services of credit cards, banks should apply for a standard card at the same time when they apply for special cards for users, so as to ensure that users can still enjoy credit card services even if they can't use special cards.
Second, the advantages of special-shaped credit cards
1, the card surface has a personality, which is generally a commemorative pattern or personalized spray painting, which has certain appreciation and collection value;
2, the card is compact and easy to carry;
Third, the disadvantages of alien credit cards.
1. special-shaped cards cannot be used for automatic teller machines (ATMs), automatic deposit machines (CDM/CDS) and card terminals, so they cannot be used for cash advances.
2. Different-shaped cards cannot be manually pressed, because the card surface information is not embossed characters, and its function is limited.
3. As an accessory product of ordinary credit cards, special-shaped cards must be activated before they can be used, which is equivalent to managing two credit cards at the same time.
Four. Introduction of foreigners' credit cards
Guangfa China Southern Pearl M Card: The unique letter shape is simply a special card among special cards.
Xingye Garfield Cat Card Couple Edition: By splicing the curved edges of two cards, two cat tails can be intertwined.
PUFA WOW popular buckle card: skillfully use the arc shape and button pattern of the card, integrate cowboy elements, and multiply the sense of trend.
So much for the introduction of personalized credit cards.