Is it worth applying for Minsheng Shangri-La Platinum Card?
It is important to understand these points!
Minsheng Shangri-La Co-branded Card is a platinum credit card from Minsheng. It has always been very cost-effective. However, the application channel was closed last year, and offline receipts were stopped. The second batch channel that was revealed this time is actually the Shangri-La WeChat official account.
co-branded card.
Many cardholders have followed suit. It is said that many people are approved for 50,000 yuan in seconds, and many new households are approved for 30,000 or 40,000 yuan. So is the Minsheng Shangri-La Platinum Card worth applying for?
In terms of credit limit, Minsheng Xiangbai is a platinum card. If there is a basic instant approval of a Minsheng credit card with a limit of 50,000, the limit will be more than 50,000, and there are many other new accounts with 30,000 or 40,000.
However, according to feedback from cardholders, there are also a lot of people who are rejected immediately, mainly those with Mercedes-Benz cards, and there are also many with a credit limit of 5,000. The key is personal qualifications.
From the perspective of rights and interests, the rights and interests of Minsheng Xiangbai are basically related to Shangri-La. In addition to being able to use it for your own consumption, staying in hotels or eating buffets, you can mainly get Shangri-La's Golden Circle points. If you accumulate 1,000 points, you can exchange them for 100 US dollars, which can be purchased at Shangri-La
Consumption for personal use, or discounted cash.
From the perspective of risks, there are still certain risks in applying for Minsheng Xiangbai regardless of the official website being taken off the shelves. The main points are as follows: 1. This application link is probably an oversight on the part of Shangri-La. According to Minsheng’s previous handling of Mercedes-Benz
It cannot be ruled out that the Bai incident happened in the same way, with a bunch of Shangri-La blacks appearing, that is, Minsheng loan users.
2. The Minsheng refueling fund was in arrears for more than half a year, and an explanation has begun. However, the delay in importing Minsheng Xiangbai points has not been resolved, and the problem may still exist now.
3. Some card users who have tested the card said that when checking the application progress, the card surface of Xiangbai is displayed, but the card that is purchased is not actually the card of Xiangbai. After all, Xiangbai has stopped issuing, so it is really unclear what card is being purchased.
not good.
Minsheng Xiangbai's credit limit and benefits are indeed very cost-effective, and the standard platinum card also waives the annual fee. However, whether it is worth applying for it requires everyone to understand the risks and make their own decisions, and do not blindly follow the trend.
Minsheng Shangri-La Platinum Card VS ICBC Shangri-La Platinum Card, which platinum card is better?
As a high-end hotel brand, Shangri-La has also cooperated with banks.
It has cooperated with Industrial and Commercial Bank of China and Minsheng Bank of China, and also has co-branded credit cards, namely ICBC Shangri-La Platinum Card and Minsheng Shangri-La Platinum Card.
So, Minsheng Shangri-La Platinum Card VS ICBC Shangri-La Platinum Card, which platinum card is better?
Today, let’s do a comparative analysis of the two cards.
1. Card form Minsheng Shangri-La Platinum Card is divided into two categories: Standard Platinum Card and Deluxe Platinum Card, both of which can be applied for and used separately.
The ICBC Shangri-La Platinum Card is issued and used in the form of a “1+1” card set.
There are three types of ICBC Shangri-La Platinum Card: UnionPay, MasterCard and VISA. Generally, applicants can choose "MasterCard + UnionPay" or "VISA + UnionPay" to apply for the card.
2. Card annual fee The annual fee of the standard platinum card and the deluxe platinum card of the Minsheng Shangri-La Platinum Card will be different. The annual fee of the standard platinum card is 600 yuan per year; the annual fee of the deluxe platinum card is 3,600 yuan per year.
And the standard platinum card is free of annual fees in the first year, and the annual fees in the following year can be waived by swiping the card 15 times or spending over 50,000 yuan.
The annual fee for the Luxury Platinum Card is a rigid annual fee and cannot be reduced or reduced.
The annual fee for the ICBC Shangri-La Platinum Card is RMB 2,000 per year.
Old users who spend over RMB 200,000 per year can be exempted from the annual fee for that year.
For new users, the annual fee is waived for the first year, and if you are a Diamond or Jade member of the Golden Circle, you can enjoy a three-year annual fee reduction.
The above is a comparative analysis of Minsheng Shangri-La Platinum Card and ICBC Shangri-La Platinum Card.
In fact, these two platinum cards are very good. There is not much difference between them in terms of benefits and limits. Specifically, there are differences in the form of card issuance and use, as well as the annual fee.
Minsheng Shangri-La Platinum Card Points Rules Minsheng Shangri-La Platinum Card points are automatically converted into VIP Golden Circle points, and there is no need to actively apply.
It should be noted that the minimum monthly redemption point for a single cardholder is 250 Golden Circle points.
If there are less than 250 Golden Circle points in the current period, the co-branded card points will be transferred to the next month until it reaches or exceeds 250 Golden Circle points.
The specific points redemption rules are as follows: 1. Standard platinum credit card for generally valid card consumption: spending RMB 120 = 1 VIP Golden Circle bonus point.
Luxury Platinum Credit Card: Spend RMB 60 = 1 Golden Circle bonus point.
2. Shangri-La Group Hotels_ Standard Platinum Credit Card for card consumption: spending RMB 60 = 1 Golden Circle bonus point.