Xiaobian sorted out the most core members of the "waste line" credit card family, only talked about wool cards and ignored chicken rib cards, and filtered information for the majority of small whites by refining the essence. The cards that GF is currently worth playing are the following categories:
<h1>GF National Life Insurance Platinum Card</h1>
The recent [Guangfa National Life Co-brand Card], the fire is a mess! This platinum card overrides the previously introduced scrap high-speed rail card - Guangfa Zhenshang Platinum Card!
GF National Life Co-brand Card is divided into two types: the owner's co-brand card (refueling MCC cashback) and the insurance co-brand card (catering, department store, supermarket cashback), which include four levels: Puka, Gold Card, Little White Gold (ZhenXiang White) and Big Platinum (Value-added White). The main benefits of the card include:
1. Consumption cashback
1. Owner's co-brand card
When the monthly point consumption is 3,000 yuan, the designated MCC consumption refueling (using the small white card artifact to pick up MCC) can receive free consumption cashback.
Gold card cashback 5%, a single month limit of 50, a year can net 600 yuan.
Enjoy 12% white cashback, a single month limit of 120, a year can net 1440 yuan. (Recommended)
Value-added white cashback is 15%, the upper limit of a single month is 150, and the net amount can be 1800 yuan in one year. (Recommended)
2. Insurance co-brand card
When the monthly points consumption is 3,000 yuan, among which the designated MCC consumption catering, department stores, supermarkets (using the card artifact to pick up MCC) can receive free consumption cashback.
Gold card cashback 3%, a single month limit of 50, a year can net 600 yuan.
Enjoy 5% white cashback, a single month limit of 80, a year can net 960 yuan. (Recommended)
Value-added white cashback 15%, a single month upper limit of 120, a year can net 1440 yuan. (Recommended)
Second, new households have additional cashback
New households who have spent 99 yuan in points within three months of new issuance cards will enjoy 6% cashback, accumulating 200 yuan. Does not conflict with the specified swipeback. The total can be up to 2000 yuan / first year. That is, 15% + 6% stack, up to 21% cashback.
3. Other rights and interests
1. Green channel for medical treatment;
Every year, vip appointment registration services are made by VIP members in the top three hospitals in major cities in China; 3 times are guided by medical guidance services. This right is really just needed for the old and the small whites on the bottom!
2. Drunk driving;
Enjoy 6 times / year drunk driving service, comparable to the rights and interests of the White Kirin of the Bank of Communications
3. Airport, high-speed rail, Longteng VIP Hall;
Guangfa's high-speed rail VIP rooms are located in more than 20 mainstream cities across the country. It is also equipped with a dragon card for free, and the dragon card is 2 o'clock every year. During the waiting time, there are seats and drinks with WIFI, which is very real.
4. Birthday double points;
Double points for the month of birthday. With 3 times the points of business travel, quickly accumulate Yawan mileage
5. Triple points for business travel and overseas travel;
Like Guangfa Zhen Shangbai, 3 times the overseas points of business travel, Guoshou Bai also has. In the combination of DIY triple integrals, the points of the waste line are still quite easy to accumulate. The best way to output is, of course, Yawan Mileage!
6. Car owner card road rescue.
Similar to the rights and interests of the Ping An car owner card, it is better than nothing.
【Knock on the blackboard】
(1) The most worthwhile thing for GF is the National Life Guangfa Car Owner Zhenxiang Platinum Card and the National Life Guangfa Women's Insurance Gold Card 1+1.
(2) Since multiple points can be exchanged for repayment or airline miles, the cost of consumption can not be counted. Best output method: Yawan Mileage
(3), this platinum card earns at least 2080 yuan per year, the gold card also has 420 yuan, and the new account has 200 yuan more. A total of 2700 yuan.
<h1>Guangfa Zhenshang Platinum Credit Card</h1>
High-speed rail white, can be called a must-have god card for guangfa.
Unlimited access to GF's high-speed rail lounge. Guangfa's high-speed rail VIP rooms are located in more than 20 mainstream cities across the country. During the waiting time, there are seats and drinks with WIFI, which is very real.
It is also equipped with a dragon card for free, and the dragon card is 2 o'clock every year.
There are also 3 times the points of business travel and overseas consumption, which is simply invincible with DIY.
More conscientiously, the annual fee can be brushed free. Detailed benefits can be read by clicking on the portal.
<h1>God Card - [Broad Hair Sharp Card].</h1>
When it comes to GF, there are often card friends who ask me what card my new household is applying for, and I always recommend [GF Sharp Card]. The reason is no other, guangfa sharp card in the territory of no threshold cashback 5%, this than the column no card can be out of the right, but only new households can apply, so we must cherish this opportunity, other cards have the opportunity to apply again.
Application Details: The customer must be a new customer of GF Credit Card. New customers are customers who have never held GF Credit Card or who have previously held GF Credit Card but have cancelled all cards one year ago (subject to the date of application for GF Sharp Card Form).
All credit card purchases do not count towards points. After the customer uses the Sharp Card to make purchases in the designated merchant types (including department stores, supermarkets and restaurants), the bank will give the following proportion of cashback rewards according to the merchant type, and the merchant type will be determined by the bank according to the UnionPay merchant category code.
Note: One of the three means that the customer can only select one merchant type among the three designated merchant types.
Customers can register for the type of merchant of their choice with 5% cashback on Friday when filling out the application form, if they do not register, the customer agrees to default to "food and beverage". The effective date of the optional merchant type is the day the card is activated. Customers can modify the type of merchant of their choice through the cashback area of the "Discover Wonderful" APP, and the modification is limited to once a year from the date when the first modification of the selected merchant type takes effect.
Cashback ratio: up to 100 per month (on Friday, brush is also designated MCC to pick up 2000, or usually 10,000)
Gameplay Analysis:
1, and rebate card, is the bill month, remember!
2. Like the rebate card, offline UnionPay merchants rebate, network scan code does not count, but cloud flash payment, various PAY can.
3, the rebate card through the rebate APP to give you cash, sharp card bank through the form of free repayment of the amount of cash back to the customer credit card account simple and rude, self-selected card artifact MP70, directly choose to brush.
4. After every month, continue to dip DIY. Income: 100 yuan per month. You can save 1200 yuan a year.
<h1>Guangfa China Southern Airlines White / China Eastern Airlines White</h1>
The first three broad-haired god cards are introduced, and then the advanced gameplay is introduced - mileage. GF's mileage card series includes a lot, it is worth introducing: [Guangdong Southern Airlines White / China Eastern Airlines White].
A、 GF China Southern Airlines White:
Platinum Card 7 RMB automatically accumulates 1 mileage. Through the doubling of business travel, the actual can be 3.5:1, the maximum monthly brush business travel 24.5W to get 70,000 China Southern Airlines mileage. Remarks: Business travel MCC includes: 4411 (ship and cruise route services), 4511 (airline), 4582 (airport services), 4722 (travel agencies), 5962 (tourism-related services direct sales), 7011 (accommodation services: hotels, hotels, motels, resorts, etc.), 7012 (time-sharing villas or vacation rooms), 7991 (travel and exhibitions) can be doubled points, you need to choose your own MCC machine to pick up, stability does not jump code one household and one terminal is the key
In addition, China Southern Airlines has had good news recently. China Southern Airlines APP launched the full cabin dynamic redemption function! In short, mileage redemption tickets, the range of options is greatly expanded, and the exchange is more flexible with the fluctuation of the fare. In the past, the tickets for mileage redemption were limited classes and numbers, after the new regulations, all the seats on sale are at your disposal, the number of miles floats in real time, thousands of domestic routes of China Southern Airlines have been used, and all domestic routes of China Southern Airlines will be opened on October 15!
The full class is redeemable, and the ticket volume is more sufficient
The number of tickets that are dynamically exchanged is synchronized with the cash ticket, any class can be exchanged, there is a lot of choice, and the little whites don't have to worry about having miles but no tickets can be exchanged! In the past, the standard mileage redemption was one price 365 days a year, but the new dynamic redemption mileage is floating in real time with the cash fare, and the standard redemption is still provided on each flight, but it is more cost-effective to use dynamic redemption when the fare is low! The dynamic price calendar function of mileage has been added to the China Southern Airlines APP, and the price fluctuation of dynamic redemption miles can be viewed at any time.
B. GF China Eastern Airlines White:
Here we are talking about the GF China Eastern Airlines co-brand card, which includes four levels of Pu card, gold card, Zhenxiang white and value-added white, all of which have 5 times points.
The activity period starts from August 1, 2018 and ends on January 31, 2019, during the event, the new guangfa households applying for the China Eastern Airlines co-brand card can get 5 times the online payment of 5 times the point reward for 3 months after the card, with a minimum of 1.4:1,
This ratio is probably only surpassed by the white qilin blessing overseas 20 times the points to reach 0.9:1, but unfortunately, the white unicorn overseas 20 times points have already shrunk seriously. 5 times the points, you can get 35,000 miles per month, 3 months is 105,000 miles. China Eastern Airlines mileage has been valued once before, assuming that it is calculated at 5.50/million, the value of 105,000 miles is also 5775 yuan!
This is worth more than any new household gift, the sharp card is 1200 cashbacks per year, and it takes nearly 5 years to get 5775 yuan.
The only regret is that old users and dogs are not allowed to participate. So, if you're still a new user, then you can consider this card.
In addition, there are several caveats that must be mentioned:
1. Must be a new account that has never had a GF credit card or a customer who has cancelled a GF card before August 1, 2018;
2. 5 times the points of online consumption include WeChat and Alipay, major e-commerce websites, excluding cloud flash payment;
3, need to register, during the activity there is a point consumption to count the successful registration, the next month to receive a successful SMS to start brushing, the nuclear card in the month of brushing is useless;
4, GF risk control is more stringent, to have the best card posture!