Guangfa card is very similar to diy card. Many friends regard the new one card as an upgraded version of diy card, but there are still differences between the two credit cards. So, which is better? Let's compare and analyze it.
What's the difference between Guangfa Card and diy Card?
1, equity
According to the official introduction, the triple points of Guangfa Card can only be selected from entertainment, supermarkets, restaurants and tourism consumption, while Guangfa diy card covers all aspects. Guangfa diy card can choose the favorite merchant type among the three major merchants and enjoy triple points discount. If you only choose one of catering, entertainment, shopping and travel, it is free. If there is more than one category, the fee will be deducted according to each category of 29 yuan/year.
According to the types of merchants, there are four types of GDB cards and three types of GDB diy cards. If only one of them is selected, the coverage of GDB diy card will be wider.
In addition, Guangfa Card can choose rights package or a la carte package, and can order a variety of rights: game package, audio-visual membership, insurance service and exquisite life. More choices and greater autonomy.
2. Card grade
Guangfa card has only one grade, while Guangfa DIY credit card has two kinds: ordinary card and gold card, both of which are UnionPay cards.
3. Others
One highlight of Guangfa Card is to give 80 yuan rights and interests, which can be used to purchase rights and interests, such as game packages, music members and video members. The feature of diy card is that the points can not only be exchanged for shopping mall gifts, but also be applied to offset the consumption arrears, and 1000 points can be paid to 20 yuan.
Through comparison, it is found that in terms of rights and interests, Guangfa diy card has a wider coverage, and you can choose three kinds, but you need to pay a certain annual fee. One of the killer cards of Guangfa Card is the equity premium, which can be used to buy personal rights. So these two credit cards have their own advantages.
What does Guangfa Credit Card DIY card mean?
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. The following contents are extracted from the Credit Card Center of Guangfa Bank. You can freely choose your favorite merchant type from the following three merchant types and enjoy triple points discount. Catering and entertainment: including all kinds of catering and entertainment, shopping including department stores, supermarkets, clothing, shoes and bags, and tourism including air tickets, hotels, vacations and tourism. Remarks: If only one type is selected, it will be free; If multiple categories are selected, 29 yuan/year will be charged for each category. Points consumption or free redemption of your Guangfa DIY credit card consumption points can not only be exchanged for points and gifts at will, but also be directly used to offset the consumption arrears. Every 10000 points will be credited to 20 yuan, and more points will be deducted. Function details: 1. At present, the function of "triple points for self-selected merchant types" is limited to the application when the card is opened, and the application, modification or cancellation of the service will not be accepted temporarily after the card is opened. We will make adjustments in the subsequent business development, so 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.
What is the diy credit card (debit card) under Guangfa?
Guangfa DIY credit card (debit card) is a product aimed at young white-collar workers. This credit card (credit card) can choose catering, entertainment, shopping and tourism to triple the credit card (credit card) consumption, and then offset the consumption with points, or exchange the consumption for gifts.
Diy is also divided into gold cards and ordinary cards. The annual fee for a gold card is 80, with a quota of 10000-50000, and the annual fee for an ordinary card is 40, with a quota of 3000- 10000. For first-time applicants, the success rate of applying for a universal card will be greater.
How much is the annual fee for Guangfa DIY credit card? There is no annual fee for brushing several times.
Guangfa DIY credit card allows cardholders to customize their card rights freely, which is very good. Many card friends will pay attention to the annual fee of the card when applying. Compared with other banks, the annual credit card fee of Guangfa Bank is very low, except for platinum cards, which are basically below 100 yuan. Let's have a look.
Guangfa credit card annual fee standard
Guangfa DIY credit card, aiming at your current fast-paced work style and simple and independent consumption proposition, based on the preferential platform of points, selects three types of merchants, namely catering, entertainment, shopping and tourism, and enjoys triple points for credit card consumption. There are two grades of cards: Puka and Gold, and the annual fees of different grades of credit cards are different.
Annual fee for Puka: 40 yuan/card/year for the main card and 20 yuan/card/year for the auxiliary card; Gold card annual fee: 80 yuan for the main card and 40 yuan for the auxiliary card;
Guangfa Credit Card Annual Fee Policy
Free of annual fee in the first year, and free of annual fee in the following year if you swipe your card 6 times in that year.
Comments: The annual fee of Guangfa DIY credit card is not high, so it can be easily exempted from the annual fee of the following year. Moreover, this kind of consumption does not limit the amount and place, and online consumption is also counted, which is easy to do.
Credit card advantages:
1, 3 times the integral of the merchant type of your choice.
You can freely choose your favorite merchant type from the following three merchant types, enjoy triple points discount, and accelerate your points accumulation!
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.
Note: If only one category is selected, it is free; If more than one category is selected, it will be charged according to 29 yuan/year.
2. Free points, low consumption or gift exchange.
Don't worry about not getting the points! Now you can not only redeem the points of Guangfa Credit Card at will, but also apply directly to offset the consumption arrears. Every time 20 yuan scores 10000 points, you can accumulate more points!
Example: Ms. Zhang chooses "Travel Category" for free, and she spends * * * 10000 yuan in travel businesses in that month, earning 30,000 yuan, which can reduce 60 yuan's consumption debt!
Example: Mr. Li has chosen two types of merchants, namely "tourism" and "shopping", and only needs the annual service fee of 29 yuan. This month, Mr. Li spent 65,438+00,000 yuan on air tickets and hotels, 5,000 yuan on shopping in department stores, and * * * got 45,000 points. Because it needs to exchange 65,438+00,000 points, it can directly offset 80 yuan's consumption debt.
Guangfa DIY card
(3 times the points of the merchant type you choose, and the points can be freely exchanged for gifts or deducted from the arrears)
So much for the introduction of Guangfa diy Credit Card.