Recently, I started to organize and update 24 years of credit card recommendations.
Let's update a few articles that are worth the beginning of the whole family bucket gameplay, so start with Guangfa.
When it comes to playing cards, it is inevitable that Guangfa will not be able to avoid it, and there are more than 120 kinds of cards that are currently open for application, and then count different card levels and card face styles, I dare not think.
In the issue of cards, GF has always been at the forefront of the industry, and the name of the card maniac is not called casually.
There are also co-branded cards that can be co-branded with everything.
There are all kinds of cards, and anyone can find the right card for them.
But each person can only have a maximum of 8 (sets) of main cards at the same time, there are many good cards, and I don't know how to play the GF family bucket, remember to collect this article.
First of all, let's talk about the new account option, after all, there is only one chance, and if you miss it, you can't apply.
Since the suspension of the issuance of sharp cards in April this year, there are still these 4 restrictions on new account applications:
Elite Travel Package, Safari Card, Yijia White, Jingdong Co-branded Card(Don't use a co-branded card like the NBA).
Honorable Brigade: Mileage card, set card issuance, UnionPay Fly Over Platinum + MasterCard Black Card Visa Infinite Card.
safari: Mileage card, the classic big platinum card of the American Express Card Organization, mainly for online consumption.
Enjoy the white: Owner card, play cashback, annual rebate of 1440 yuan, VIP hall does not need to grab (better than Ding), with its own spending amount rights and interests can also save a card space.
JD co-branded card: Shopping-oriented, new households will receive JD plus membership annual cards, and 10 yuan will be reduced every Tuesday at 10 o'clock when JD ** is over 30.
4 choose 1, how to choose, depending on your needs, Lao Hu gives priority to mileage, there are not many cards that can do 10:1 free annual fee, but this also means that it is easy to warm...
However, at present, the Zun Travel Card has been removed from the shelves, and it is estimated that it is a controlled issuance.
Don't touch GF if you don't play cashback, it means that there are too many cashback cards, and a few cards with simple rules and high cashback are recommended.
Dorica has a Fish Tide Card
Annual Fee:Free in the first year, 12 in the second year.
Benefits:
WeChat, Alipay, and UnionPay have a cashback rate of 1%.
Meituan, Starbucks, Didi, Nai Xue's tea, the cashback ratio is 10%.
Comments:
You can choose which, spend 1,000 yuan per month through Meituan to get 100 yuan cashback, and 1,200 yuan per year, Meituan's consumption scene reference bonus card.
Owner's card
There are many Guangfa car owner cards, such as common Yijia, elite, Shell, etc., all of which can enjoy the right to refuel cashback.
Annual Fee:: 3 purchases of 88 yuan within 90 days are exempt for the first year, and 12 times are exempt for the next year.
Benefits:
If you spend more than 2,000 yuan, you can enjoy an additional 20% cashback on Friday of the first week, with a maximum cashback of 100 yuan.
Comments:
Whether it is a petrol car or a tram, there is a cashback channel that suits you, remember to check "refueling and enjoy cashback" when applying for a card
If the monthly consumption of the oil truck is 2000, the first Friday will refuel 500 yuan and return 100
If the monthly consumption of the tram is over 1000, the total charging or highway fee is 500 and 100 will be returned
Refueling is not limited to brands and sites, nor is it counted by MCC, as long as the merchant name contains the words "refueling" and other words.
The same goes for charging and highway fees, and the merchant name can contain the following names.
Huawei Xiaomi OPPO digital card
Now the major mobile phone manufacturers are also cooperating with banks to launch their own co-branded credit cards, focusing on consumption cashback, currently Huawei, Xiaomi, vivo, oppo, can only use their respective manufacturers' pay transactions.
Annual Fee:Free in the first year, 12 in the second year.
Benefits:
Enjoy 3% cashback through their respective mobile phone Pay purchases, with a monthly cap of 100 yuan, Huawei co-branded card, Xiaomi co-branded card, and OPPO co-branded card.
Huawei co-branded cards can be DIY with rights and interests (choose one of four types: standard, car owner, and **game rights).
Standard rights: 1 free airport VIP lounge or 2 high-speed rail VIP lounges for 1 consumption, and 1 free for 3000 consumption.
*Benefits: Huawei** will get 50 yuan back for purchases over 500 yuan, once a month.
Game benefits: 10 yuan will be refunded if you spend 100 yuan in Huawei Game Center.
Owner's rights: 10% rebate on refueling when consumption reaches the standard, with a maximum rebate of 100 yuan per month.
Comments:
It belongs to the UnionPay borderless card, Huawei card is the best, in addition to cashback, you can also choose 1 of 4 rights, refueling cashback can be stacked with car owner card cashback;
3. Multiple points.
Everyday Lika - Premium White (Yagami Card).
Annual Fee:The annual fee is waived for the first year, and the next year is waived for 12 purchases.
Benefits:
On the 8th of each month, 8 times the points (swipe the card, WeChat, Alipay), and spend 28,571 to get 200,000 points.
When the cumulative monthly consumption amount reaches 3,000 and 6,000, you can receive a 30 yuan WeChat instant discount respectively (the activity ends on December 31, and it is unclear whether it will be renewed for 24 years).
True Love Star Diamond
Annual fee policy: 3 transactions of 88 yuan within 90 days are exempt for the first year, and 12 transactions are exempted for the next year.
Benefits: 8 times points for designated channels (JD.com, Pinduoduo, Vipshop, Intime Department Store, Meow Street);
You can hold one of these two 8-fold point cards, because the monthly point limit of China Guangfa Bank is 200,000, and it makes little sense to hold two.
Always shop on designated channels to choose the true love star diamond.
There is no limit to merchants, and if you can concentrate on 1 day of consumption, you can choose Tiantian Li Card.
Of course, if you say that you can't spend so much on the 8th of each month, and you can't get enough of the designated channels, you can also hold two tickets and spread the amount.
Fourth, functional cards.
Two multi-point cards were introduced earlier, through which you can get an additional 200,000 points per month, and then superimpose the base score of 28571, you can get 228571 points per month, and you can get up to 2.74 million points per year.
Then you need to convert next, and there are two kinds of GF points that are the most valuable.
One is to redeem the spending amount and directly offset the bill.
The other is to redeem airline mileage, which can be 5:1 when stacked with Dingji card
To get the maximum, you'll need to add two more functional cards to convert points.
Smart Card
Annual Fee Policy: The annual fee is waived for the first year, and the next year is waived for 6 purchases.
Benefits:
10,000 points can be exchanged for 10 yuan spending amount, with a maximum of 200,000 points per day, and a maximum of 1 million points (equivalent to 1,000 yuan) in a calendar year
Dingji card
The diamond card issued in 19 years to easily reduce the annual fee, but the core rights and interests are all UnionPay fathers, so it is also called "rhinestones". Less than 1 week after its release, he was expelled from the Diamond status and demoted to the platinum level. Later, it was renamed Dingji Platinum Card, which was also called "Water White".
Annual Fee:
UnionPay card 4,000 yuan per year, Visa Infinite card 8,000 yuan per year;
The annual fee is waived for the first year, and the annual fee for the next year is waived if the total consumption is 48 transactions or bound for 12 consecutive months (WeChat, Alipay, JD Pay).
Benefits:
By default, 2 times the points for domestic consumption and 3 times points for overseas consumption
2 points of Longteng year, can be exchanged for 1 airport VIP lounge and 2 high-speed rail VIP lounges respectively;
Consumption up to standard, enjoy unlimited GF self-operated airport high-speed rail VIP lounge (need to grab);
40:1 redemption for airline miles, up to 20,000 miles per year.
Comments:
The point pool is shared with multiple points cards, and the Yashin card and Star Diamond card can be 5:1, which can be exchanged for miles of China Southern Airlines, Air China, China Eastern Airlines, and Yawan, with an annual redemption limit of 20,000 miles.
If you can get 2.74 million points through the 8x point card, then both of them need to be won.
The Zhihui card can consume 1 million points a year and redeem 1,000 yuan in spending credit.
The Dingji card can consume 800,000 points per year, redeem 20,000 miles, about 1,000 yuan, and can be used for more value in peak seasons.
5. Business travel.
Airline Prestige Platinum Card
There are 7 mainstream airlines, including Air China, China Southern Airlines, China Eastern Airlines, Hainan Airlines, Xiamen Airlines, Sichuan Airlines, and Shenzhen Airlines.
The rigid annual fee of 800 yuan, 10:1 exchange for airline mileage, up to 60,000 miles per year.
Benefits:
40:1 redemption for airline miles, up to 60,000 miles per year.
Unlimited GF self-operated airport high-speed rail VIP lounge (with its own rights, no need to meet the consumption standard);
2 points of Longteng year, can be exchanged for 1 airport VIP lounge and 2 high-speed rail VIP lounges respectively;
Comments:
Compared with Safari and Safari, it is also a 10:1 redemption, but the upper limit of Ultimate White is higher, and you can enjoy a true unlimited VIP lounge.
Chongqing Fei Chang Yi Xing Card Platinum Card
In fact, you can apply for two regional rights and interests cards from all over the country, but the experience in these two places will be better.
Annual Fee:Within 90 days, 3 transactions of 88 yuan will be exempted for the first year, and 12 transactions will be exempted for the next year.
Chongqing Jiangbei International Airport Rights:
1 airport transfer (within 30 km).
5 valet parking.
12 times airport battery car.
5 First Class security lanes.
Unlimited access to the T3 dedicated lounge.
GF Card Benefits:
Spend 1 transaction of 500 yuan, that is, enjoy unlimited high-speed rail VIP lounges and 2 airport VIP lounges throughout the year.
Comments:
Designated airports enjoy a full set of VIP services, and small partners in Chongqing can completely get this card, and the annual fee can also be easily reduced. In addition, there is also a Longteng Airport Co-branded Card, which gives away the rights and interests of Baiyunshan Airport, which is slightly inferior to Chongqing.
6. Summary. First card:
1.Exclusive Travel, Safari, Yijia Enjoyment, JD.com, choose 1 out of 4
At present, the online application for the premium travel card has been stopped, is this to control the rhythm of the protection of rights?
Must do:
2.Dorica (monthly rebate 100, annual rebate 1200).
3.Daily Lika True Love Star Diamond 2 choose 1 (8 times points, monthly limit of 200,000).
4.Smart Card ($1,000 per year).
5.Dingji card (superimposed 8 times point card to achieve 5:1 mileage exchange).
There are already 5 cards here, and there are still 3 card slots left to supplement depending on the personal situation.
Look at individual needs:
6.Owner's card (monthly rebate 100, annual rebate 1200).
7.Huawei, Xiaomi, OPPO co-branded card (monthly rebate 100, need to hold the corresponding mobile phone).
8.Airline card (10:1 for mileage).
9.Chongqing Feichangyi Travel Card Platinum Card Longteng Airport Pass Co-branded Card (see resident city).
Winning the best cards of the same type as much as possible and performing their own duties is the essence of playing the family bucket.
According to GF's practice, there will be a new card next year, and we will see it then.
I'm Lao Hu, with the same number on the whole network, and I continue to share card playing skills and strategies.
If you have any questions, please feel free to leave a message in the comment area, and we will try to answer them after seeing them!